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Turn to Vanguard for your small-business plan

You can help simplify your retirement planning by joining an investment community where your bottom line is the only one that matters.

Enjoy easy plan setup & administration

Our small-business specialists can guide you to the retirement plan that best suits your business. With Vanguard, you'll benefit from:

  • No setup fees. There are no additional costs to establish your retirement plan.
  • No commission. Our specialists aren't paid on commission, so you can be sure you're receiving unbiased help.
  • Competitive account service fees. Our annual account service fees can be waived in certain circumstances.
  • Streamlined account management. Our secure website, Vanguard Small Business Online®, makes it easy to contribute to and administer your plan.
  • Help when you need it. From plan setup to day-to-day administration, we take the complexity out of retirement planning so you can stay focused on the needs of your business.

Invest in high-quality funds

We've been helping people to secure their financial futures for more than 40 years by offering funds that deliver a steady investment track record, low costs, and top management.

Competitive long-term performance

87% of our funds have performed better than their peer-group averages over the past 10 years.*

Low investing costs

The average Vanguard mutual fund expense ratio is 84% less than the industry average.** When less is taken out of your funds' earnings to cover expenses, more stays in your account.

Broad fund selection

Enjoy a wide selection of mutual funds, including Vanguard Target Retirement Funds, which can help simplify the investment process. And there's no minimum initial investment for small-business retirement accounts.

Opportunity for more potential returns

Because we don't have any stockholders or outside owners to answer to, we can keep our costs low, which can help you keep more of your returns.†


Our program for small- and mid-sized businesses is a high-quality, easy-to-administer retirement offer for 401(k) plans, 403(b) plans and other retirement plan types. It includes a full range of services, such as low-cost investments, recordkeeping, plan administration, compliance, and participant education. The program is available for start-up businesses to those with assets in excess of $50 million.

Get complete portfolio management

We can custom-develop and implement your financial plan, giving you greater confidence that you're doing all you can to reach your goals.

Make retirement saving easy

If you don't know how to start saving for retirement, we can help you figure out how much you'll need and how to balance all your savings goals.

Consolidate your accounts

Consider moving accounts you hold elsewhere to Vanguard. You'll enjoy more control of your portfolio now and get a clear picture of your investment strategy.


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Mutual fund

A type of investment that pools shareholder money and invests it in a variety of securities. Each investor owns shares of the fund and can buy or sell these shares at any time. Mutual funds are typically more diversified, low-cost, and convenient than investing in individual securities, and they're professionally managed.

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No-load mutual fund

A fund that charges no sales fees either on the front end (when you buy fund shares) or back end (when you sell fund shares).

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Expense ratio

The annual operating expenses of a mutual fund or ETF (exchange-traded fund), expressed as a percentage of the fund's average net assets. It's calculated annually and removed from the fund's earnings before they're distributed to investors, directly reducing investors' returns. For example, if you had $10,000 invested in a fund with an expense ratio of 0.20%, you’d pay about $20 a year out of your investment returns.

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The investment returns you accumulate on the savings in your account.

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Target retirement fund

A fund designed to provide varying degrees of long-term appreciation and capital preservation based on an investor's age or target retirement date through a mix of asset classes. The mix changes over time to become less focused on growth and more focused on income. Also known as a target-date fund or life-cycle fund.

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An owner of shares in a mutual fund or corporation. Also known as a shareholder.