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March 19, 2022

Vanguard Review: Are they really an investor-choice?

Welcome to my review of Vanguard!

Why is this the only investment company owned by people like you?

Who are they? What do they offer?

Let’s get to know Vanguard in this Review!

What is Vanguard?

Vanguard Review

  • Name: The Vanguard Group Inc.
  • Website: vanguard.com
  • CEO/Owner: John C. Bogle
  • Price: Minimums of $1,000
  • Rating: 3.5/5.0

Vanguard, under The Vanguard Group Inc., is an investment management company based in Malvern, Pennsylvania.

The company isn’t owned by shareholders. Thus, it’s owned by the people who invest in their funds.

Given so, their owners have access to personalized financial advice, high-quality investments, retirement tools, and relevant market insights that help you build a future.

More so, Vanguard set out in 1975 under a radical ownership structure that remains unique in the asset management industry. The company is owned by its member funds, which in turn are owned by fund shareholders.

With no outside owners to satisfy, they focus squarely on meeting the investment needs of their clients.

Vanguard’s Value of Ownership

Since Vanguard’s investors are their owners, they are able to provide:

Aligned interests

No conflicting loyalties are getting in the way of our focusing on their interests.

Greater conviction

They also act with conviction on the investment themes that are important to them.

Long-term perspective

They can also focus on the long term rather than quarterly results.

Low costs

Furthermore, they can consistently pass along economies of scale and lower the cost of investing, so they keep more of their returns.

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Services of Vanguard

Vanguard Advice

Vanguard Personal Advisor Services

This offers individual investors ongoing collaboration with professionals. Their advisors work closely with their clients to create personalized plans and help them stick with those plans over the long term.

Also, estate and tax planning, personal trust services, and other wealth management services are available for ultra-high-net-worth investors.

Vanguard Digital Advisor

This service offers individual investors professional, automated money management.

More so, their Robo-advisor is powered by their proven investment methodology and invests client assets in their well-diversified exchange-traded funds. It keeps portfolios balanced and in line with clients’ time horizons and risk tolerance.

Vanguard Participant Advice Services

Also, this benefits workers who invest through employer-sponsored retirement plans. Their participant experience is customized to seamlessly focus participants on their next best action toward retirement readiness.

Vanguard Institutional Investor Services

This allows partners with the sponsors of defined contribution retirement plans to evaluate investment offerings and deliver custom investment solutions.

Vanguard Institutional Advisory Services

On the other hand, Vanguard Institutional Advisory Services, Vanguard’s outsourced chief investment officer (OCIO) service, helps nonprofit organizations and pension plans invest assets and navigate shifts in the regulatory and legal environment.

Help You Invest

The Help You Invest service is a joint venture between Vanguard and Ant Group Company, that provides customized advice for investors in China.

More so, the service also requires low minimum investment and is delivered through the Alipay app, a comprehensive wealth management platform operated by Ant Financial.

Vanguard Investment

They offer a large variety of high-quality investments at a low cost.

More so, Vanguard funds are better investments by design. They seek to launch only products that have enduring investment merit, fulfill long-term client needs, and offer compelling advantages over competitors.

Retirement Services

Also, the company delivers personal experiences that help individual investors—and institutional investors and financial advisors that offer retirement plans and advice—achieve their goals.

Individual investors

Whether they’re just starting on the road to retirement, already retired, or anywhere along the journey, they empower individual investors to tackle retirement with confidence.

Institutional investors

They offer an array of services to help large businesses construct and deliver world-class retirement plans that attract and retain employees.

In addition, they serve the recordkeeping needs of 403(b), 457, and other defined contribution and nonqualified plans.

Financial Advisors

Vanguard Retirement Plan Access™ (VRPA) helps financial advisors serve the needs of small and midsize businesses through simple, low-cost 401(k) and 403(b) plans, as well as other types of retirement plans.

Vanguard Retirement Optimizer

This helps financial advisors quickly create, test, and refine robust retirement scenarios.

Thus, it simplifies the allocation of assets based on investors’ long-term goals and risk tolerance, enabling advisors to spend more time helping their clients with other critical challenges.

Reviews and Ratings of Vanguard

Here are some of the reviews and ratings of Vanguard:

Vanguard Review

Vanguard Review

Vanguard Review

  Vanguard Review

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What I LIKE About Vanguard

Large mutual fund selection

Vanguard has more than 3,300 no-transaction-fee mutual funds, and an expanded lineup of proprietary, low-cost, socially responsible mutual funds and ETFs.

Focused on Learning

Investment requires thorough studies and research.

Thus, the broker’s site includes tons of retirement-planning tools, calculators, and resources for investors of all ages. More so, investors can set up plans for various goals, compare funds side-by-side, screen for funds, as well as project college and retirement costs so that you can meet them.

What I HATE About Vanguard

Traditional Trading Platform

Vanguard’s trading platform is basic and lacks the analytical tools typically offered by brokers that support stock trading.

High Investment Minimums

Most Vanguard retirement funds and the Vanguard STAR Fund have investment minimums of $1,000, and other Vanguard funds carry minimums of $3,000. However, that initial minimum purchase amount of $1,000 to $3,000 will be too high for many beginner investors.

Complex Commission Structure

It has several tiers depending on how much you have invested in Vanguard’s ETFs and mutual funds.

  • First, if you have less than $1 million in Vanguard funds, options trades cost $1 per contract.
  • Second, from $1 million to $5 million, the first 25 options trades in a year are free and subsequent trades cost $1 per contract.
  • Third, from $5 million and up, the first 100 options trades are free, and $1 per contract thereafter.

Terrible Customer Service Reviews

Review sites flock angry customers who experienced terrible customer service from Vanguard.

So, if you don’t have the patience, this is not for you.

Is Vanguard a SCAM?

Vanguard is NOT A SCAM.

They have been in the industry for quite a while and they offer legitimate services.

However, the company is quite traditional as compared to other trading and investment platforms.

Also, they do not elaborate on GOLD IRAs.

Final Thoughts

With investments, comes risks.

Thus, we try to avoid volatility and high-risk investments especially if the money is something that we have worked very hard for. 

Thus, GOLD IRAs exist because of it!

And when we talk about Gold IRAs, GOLDCO is the top in this industry.

Goldco is a leader in the precious metals industry, with over a decade of experience helping customers protect their retirement savings. Thus,  if you have an IRA, 401(k), 403(b), TSP, savings, or similar tax-advantaged retirement account, a Goldco Specialist can help you protect those assets with a Precious Metals IRA.

They also offer direct sales of gold and silver to our customers. Thus, if you have a savings account, a Goldco Specialist can help you diversify those funds with precious metals. 

They are rated A+ by the Better Business Bureau and Triple-A by Business Consumer Alliance. More so, their quality customer service, dependability, and ethical business practices have resulted in thousands of satisfied customers and positive reviews.

Click below to know more about them:

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