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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

81% of Vanguard mutual funds and ETFs (exchange-traded funds) performed better than their peer-group averages over the past 10 years.*

Low costs

The average Vanguard fund expense ratio is 83% 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.
  • More than 200 commission-free Vanguard mutual funds and ETFs.

Investment flexibility

Enjoy competitive trading commissions on:

  • Non-Vanguard mutual funds and ETFs.
  • Individual stocks, 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 there for you today 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.


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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 fee

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 fee

A $20 fee charged annually for all Vanguard Brokerage Accounts and for each individual Vanguard mutual fund holding with a balance lower than $10,000.*

Want to skip this fee completely?