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Goals

It’s easier to choose the right account type when you know your goal. Whether you’re saving for retirement or paying for a wedding, we have an account for you.

Save for retirement

Start a college fund

Open an account

Balance

The right balance of investments gives you a path to reach your goals, with less risk. See what balance is right for you.

See how 9 model portfolios have performed in the past

Learn more about asset allocation

Get help choosing investments

Costs

Lower investment costs keep more of your money working for you. See how we keep your costs down, so you have a better chance of investing success

See how our commission-free stocks & ETFs work for you

Understand our costs & fees

Discipline

Investment discipline means following your plan no matter what's going on in the market.

Learn about Market volatility

View latest News & Perspectives

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Lower costs can add up to big savings

You can keep more of what you earn with Vanguard's low fees. Say you invested $50,000, if it earned 6% per year, and you subtracted the costs, here's what you'd have over time.*

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

*As of December 31, 2019, Vanguard's average expense ratio is 0.10%. Industry average mutual fund and ETF expense ratio: 0.57%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2019. This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.


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