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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.
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Cost (£10k): N/A
Cost (£100k): £790 (total)