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Account types

Image of two people looking at a phone as they choose the best account type for their goals.
See IRA options
Open a brokerage account
Choose a small-business account
Open a 529 plan
Open an account

Already 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).

Traditional and Roth IRAs

Small-business retirement 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.

529 plan

UGMA/UTMA account

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.

Individual and joint accounts

Emergencies

We recommend keeping 3–6 months of living expenses in an easily accessible account.

Individual and joint accounts

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.

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Vanguard Digital Advisor™

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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 IRAs

Emergencies

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.

See our research

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 prioritizing

Your goals are our goals.

Our unique, client-owned structure keeps us focused on investor needs first.*

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*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.