What's next in your Vanguard journey?

Your investing strategy is more effective when considered holistically. Our advice services can help your household strategize for your goals and the future.

When markets are volatile, disciplined investing can help you maintain perspective regarding your portfolio. Staying the course and avoiding trends may increase your chances of long-term success.

A portfolio is all the securities held by a mutual fund or the total investment holdings of an individual or an institution.

Asset allocation is the way an investment portfolio is divided among various asset classes, such as cash investments, bonds, and stocks.

A mutual fund is 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.

An exchange-traded fund (ETF) is an investment with characteristics of both mutual funds and individual stocks. Many ETFs seek to track an index, a commodity, or a basket of assets. Unlike mutual funds, ETFs can be traded throughout the day. ETFs often have lower expense ratios but must be purchased and sold through a broker, which means you may incur commissions.

A stock is a security that represents part ownership, or equity, in a corporation. Each share of stock is a proportional stake in the corporation's assets and profits, some of which could be paid out as dividends.

A brokered certificate of deposit (CD) is an insured, interest-bearing deposit at a bank and sold through brokerage firms that requires the depositor to keep the money invested for a specific period of time. CDs can be traded on the secondary market.

A bond is a debt security (IOU) issued by a corporation, government, or government agency in exchange for the money the bondholder lends it. In most instances, the issuer agrees to pay back the loan by a specific date and make regular interest payments until that date.

A short-term cash investment is a lower-risk savings option typically offered at a higher interest rate, or yield, than the standard bank savings account that mature in less than one year. Examples include money market instruments, certificates of deposit (CDs), and Treasury bills.

Our automated advisory service, or robo-advisor, is a hands-off tool for investors who want more time and peace of mind. A $100 minimum investment makes you eligible for this service.

Our hybrid service combines the time efficiency of automated investment management with the reassurance of talking with a Vanguard advisor when you need it. A $50,000 minimum investment qualifies you for this service.

Our dedicated advisor service provides personalized advice tailored to your unique goals, along with support in navigating complex financial situations. This service is available to clients who have $500,000 or more in assets.

Exclusively for investors with $5 million or more in investable portfolio assets, Vanguard Wealth Management offers a team of specialists to address the most complex financial needs, including trust services, investment planning, family legacy planning, and charitable giving.