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A Vanguard IRA offers more of what you want

Any company can claim it's client-focused, but with no outside owners or private stockholders to answer to, Vanguard's built to put you first.

Why should you open an IRA at Vanguard?

High-quality funds

93% of Vanguard funds performed better than their peer-group averages over the past 10 years.*

Low costs

On average, Vanguard mutual fund expense ratios are 82% less than the industry average.**

Our funds also come with:

Broad fund selection

Select from a wide variety of options for your Vanguard IRA®, including:

  • "All in one" Target Retirement Funds.
  • Vanguard mutual funds and exchange-traded funds (ETFs).

Investment flexibility

With a Vanguard Brokerage IRA, you'll also enjoy competitive trading commissions on:

  • Non-Vanguard mutual funds and ETFs.
  • Individual stocks and bonds and other securities.


Whether you're new to investing or already know what you want, you can choose the IRA and investments that are right for you.


You can count on us to be here for you now and in the long run. We've been around since 1975 and are now one of the world's largest mutual fund companies.

Just between us

People like you, our clients, own Vanguard. There are no stockholders to pay because we don't have any. So with no one wedged between us, we get to focus on you, and you get to keep more of your returns. How we do that, and how it impacts you, is an interesting story.

Open your IRA today

We're here to help

Talk with an experienced investment professional.

Call 800-551-8631

Monday to Friday
8 a.m. to 10 p.m., Eastern time


"In every single time period and data point tested, low-cost funds beat high-cost funds."

Morningstar study††



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Sales load

A fee you pay when you buy an investment on the "front end" or sell it on the "back end."

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12b-1 fees

An annual fee charged by some mutual funds to pay for marketing and distribution activities. Like a fund's expense ratio, the fee is taken directly from fund assets, thus reducing shareholders' total returns.

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A fee charged for making a transaction. At Vanguard, no one gets paid a sales commission for putting you in one of our funds.

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Account service fees

A fee assessed each year on certain lower-balance mutual fund accounts and paid directly to the funds. The fee helps offset the cost of serving accounts with smaller balances. At Vanguard, you can avoid paying yearly account service fees by signing up for our e-service package.