Vanguard

Winner of Boring Money Best Buy and Best for Awards 2022

The awards listed below are compiled using customer reviews (30% of the score), Boring Money’s rigorous behind the scenes testing using our live accounts, charges (25% of the score) and customer service including call centres and support. These awards take our research team of 6 analysts over 2 months to research and collate, and recognise all round excellence.

• Best Buy ISA
• Best Buy Pensions
• Best Buy JISA
• Best for low-cost ISA - less than £50k
• Best for low-cost ISA - more than £50k
• Best for low-cost SIPP - less than £50k
• Best for low-cost SIPP - more than £50k

What we say

Vanguard is a huge low-cost global player known mostly for its passive funds.

• This service is only open to people who have at least £50,000 invested on their platform (eg in a Vanguard ISA, GIA or SIPP).
• Service is tiered – under £100,000 and it’s pretty much all online; £100k - £750k and you can phone a pool of advisers; £750k + and you get your own specific individual all the time.
• The ongoing fees are 0.79%, which includes advice, administration and investments – so this is an all-in cost. This is a LOT cheaper than many alternatives.
• Aimed at those who are not planning to retire in the next 5 years, this is designed to help people who want to get their ducks in a row re retirement savings and get advice on this – it won’t tailor to specific needs so if you have complex individual questions about property, business, inheritance planning or the like, it’s not for you.
• The system behind the scenes is thorough and complex and will tweak and monitor your investments and allocations for you on a continual basis.
• If you need advice and help to save for the long-term, without any frills, this looks like one of your best choices.
• Expect the process upfront to take about 30 – 45 minutes to set up.
• The caveat on all of this is that it’s a brand new service (launched April 2021) and so without any customer feedback this is all based on logic and numbers rather than experience.

Customer reviews

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The details

Cost (£10k): N/A

Cost (£100k): £790 (total)