Account types
IRAs
An IRA makes saving for the future less taxing.
Both traditional and Roth IRAs give you an easy way to save for the future, and they each offer different tax breaks.
See IRA optionsIndividual and joint accounts
Want flexibility? Consider an individual or joint account.
Individual and joint accounts are more flexible than tax-advantaged accounts, because they don’t restrict when you can take your money out or what you can use it for.
Open a brokerage accountSmall-business options
If you’re a business owner, you know what it means to be self-reliant.
That’s why it’s important to take advantage of retirement plans designed for workers who are self-employed. Choose from a SEP-IRA (Simplified Employee Pension) or an individual 401(k). If you have employees, consider a SEP-IRA or SIMPLE (Savings Incentive Match Plan for Employees) IRA.
Choose a small-business accountEducation savings
Opening a 529 plan can pave the way for a well-funded education.
Invest in a brighter future—for you, your children, your grandchildren, or someone else.
Open a 529 planUGMA/UTMA accounts
Want to gift money to a minor, but not limit it to education?
An Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA) account is owned by a minor but off limits until they reach adulthood. After that, the money can be used for any purpose.
Open an accountAlready know what you want?
I want to save for:
Retirement
The government offers tax advantages for the following account types (in addition to company-sponsored plans).
Education
Saving for college can reduce the burden of student debt—whether you're saving for you, your child, your grandchild, or someone else.
A house
When saving for a house or other personal goal, you'll need an account without restrictions. That way you can access your money when you need it.
Emergencies
We recommend keeping 3–6 months of living expenses in an easily accessible account.
Retirement
The government offers tax advantages for the following account types (in addition to company-sponsored plans).
Education
Saving for college can reduce the burden of student debt—whether you’re saving for you, your child, your grandchild, or someone else.
Education
Saving for college can reduce the burden of student debt—whether you’re saving for you, your child, your grandchild, or someone else.
A house
When saving for a house or other personal goal, you'll need an account without restrictions. That way you can access your money when you need it.
Emergencies
We recommend keeping 3–6 months of living expenses in an easily accessible account.
Retirement
The government offers tax advantages for the following account types (in addition to company-sponsored plans).
Education
Saving for college can reduce the burden of student debt—whether you’re saving for you, your child, your grandchild, or someone else.
Education
Saving for college can reduce the burden of student debt—whether you’re saving for you, your child, your grandchild, or someone else.
Education
Saving for college can reduce the burden of student debt—whether you’re saving for you, your child, your grandchild, or someone else.
A house
When saving for a house or other personal goal, you'll need an account without restrictions. That way you can access your money when you need it.
Education
Saving for college can reduce the burden of student debt—whether you’re saving for you, your child, your grandchild, or someone else.
Emergencies
We recommend keeping 3–6 months of living expenses in an easily accessible account.
Still need help? Consider our advisor services.
Vanguard Personal Advisor Services®
Get personalized support as you strive toward your goals, no matter where you stand on your financial journey.
Vanguard Digital Advisor™
Let our new online financial planner match an investment strategy to your retirement goals.
Learn more about smart investing
Retirement
Is a Roth or traditional IRA right for you?
Factors like your age, your income, and possible tax consequences may influence whether you choose a Roth or traditional IRA.
Compare IRAsEmergencies
How much do you really need for emergencies?
How do you save for everything from a home repair to a job loss? Here are savings strategies to prepare for just about anything.
General savings
How to prioritize multiple savings goals
If you're like most people, you're juggling several long- and short-term goals. But they're not all equal. Get insight on what to put first.
Start prioritizingYour goals are our goals.
Our unique, client-owned structure keeps us focused on investor needs first.*
Ready to open an account?
Built around the idea that a company should put its clients first.
Want to learn more about investing?
Sign up for The Vanguard Investor newsletter.
Enter your email address to receive information about Vanguard. We may also send you other Vanguard information you might be interested in. You can opt out at any time.
*Vanguard is client-owned. As a client-owner, you own the funds that own Vanguard.
Vanguard Personal Advisor Services is provided by Vanguard Advisers, Inc., a registered investment advisor, or by Vanguard National Trust Company, a federally chartered, limited purpose trust company.
Vanguard Digital Advisor's services are provided by Vanguard Advisers, Inc. ("VAI"), a federally registered investment advisor. VAI is a subsidiary of VGI and an affiliate of VMC. All investing is subject to risk, including the possible loss of the money you invest. Neither VAI nor Digital Advisor guarantees profits or protection from losses.