We're here for you.

Vanguard is built differently. You own the funds and the funds own Vanguard, which makes you a client-owner. And that's no accident. You're the reason we're here.


"The thing about being client-owned is, there is no us and them."

Karin and Sudarshan Murthy

Vanguarding since 2004

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So what's the big deal?
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We don't have any stockholders or outside owners to answer to. So we can run our funds at cost, and you get to keep more of your returns. On average, Vanguard mutual fund expense ratios are 82% less than the industry average.* Over time, that means more money can stay in your pocket.

Industry average

What you get
to keep

10 years
20 years
30 years

*As of December 31, 2014, Vanguard's average expense ratio is 0.18% and the industry ...

*As of December 31, 2014, Vanguard's average expense ratio is 0.18% and the industry average expense ratio is 1.02%. Sources: Lipper, a Thomson Reuters Company, and Vanguard.

This hypothetical example assumes a 6% return on a $50,000 investment. If the rate of return were altered, results would vary from those shown. The shaded amounts represent both the amount paid in expenses as well as the "opportunity costs"—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment and doesn't account for inflation. There may be other material differences between investment products that must be considered prior to investing.

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"The less you pay, the more you keep."

Ricardo Guerra

Vanguarding since 2004

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Think you only get what you pay for?

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Think again. Over the past decade, 93% of Vanguard funds outperformed their peer averages.** So you don't have to sacrifice performance for low cost.

Money market
fund performance


of all our money market funds

Bond fund performance


of all our bond funds

All Vanguard fund performance


of all Vanguard funds

Balanced fund performance


of all our balanced funds

Stock fund performance


of all our stock funds

outperformed their peer averages

Click or tap our funds to see how they performed.


**For the 10-year period ended September 30, 2015, 10 of 10 Vanguard money market funds ...

**For the 10-year period ended September 30, 2015, 10 of 10 Vanguard money market funds, 49 of 52 Vanguard bond funds, 18 of 18 Vanguard balanced funds, and 110 of 122 Vanguard stock funds—for a total of 187 of 202 Vanguard funds—outperformed their Lipper peer-group averages. Only funds with a minimum 10-year history were included in the comparison. Source: Lipper, a Thomson Reuters Company. The competitive performance data shown represent past performance, which is not a guarantee of future results. See the most recent performance of our funds

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"Just trying to keep that long-term perspective in mind."

Sam Gooch

Vanguarding since 2005

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It's what's best for you that matters

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Seriously, each move we make impacts you. So whenever we evaluate our funds, costs, strategies, even our culture, we think about how it affects you and your future. And because putting our clients first is the right thing to do, others have noticed.


Vanguard.com gets an "A+" for
transaction satisfaction

Mutual Fund Monitor, February 2014

"There's reason to trust the firm, which earns an A grade for its culture in Morningstar's Stewardship methodology."

Morningstar, May 2013

16 Vanguard funds made the "Money 50" list of recommended funds.

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Money, January 2015

"… if [a Wall Street firm's] senior management and board would like to study a culture that does put clients first, they should hop in a limo and go 110 miles southwest to Valley Forge, Pa.—the home of The Vanguard Group."

Harvard Business Review, March 2012

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

The Morningstar study covered expense ratios from 2005 through 2008 and then tracked the funds' progress through March 2010. Total returns were measured as of the end of March 2010 for mutual funds that survived the study period. The study found that in every asset class over every time period, funds in the cheapest quintile produced higher total returns than those in the most expensive quintile.

Morningstar FundInvestor, August 2010

We've got your back

You'll get the guidance you need along the way to help you maintain a balanced, long-term approach and become a better investor. That's Vanguarding. It's being able to spend more time enjoying your daily life and less time fretting over today's market close.
After all, what means more in the long run?

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All investing is subject to risk, including the possible loss of the money you invest.
Vanguard provides services to the Vanguard funds and ETFs at cost. More information about Vanguard funds, including at-cost services, is available in the fund's prospectus.
Mutual Fund Monitor is published by Corporate Insight, Inc., a New York-based research and consulting firm that provides competitive intelligence and digital user experience research.

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