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Vanguard Review

as of 15/04/2019 at 8:08 am

Holly's View

Low-cost. Huge global player. Fair. Good choice to get started as a default option. Vanguard has an almost evangelical following from people who like the low-cost simple mantra of this firm. They offer cheap ready-made investment portfolios which are great options for many but don’t expect much help on navigating your way into them. It’s still a bit lacking in help and support but is worth a look for many. No pension yet.

Our Rating

Recommended For

Beginner Investor

Confident Investor

In a nutshell

Low cost

No access to shares

Straightforward investments

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Your overall rating

Based on 26 reviews

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Sponsored by

Vanguard

At Vanguard, we've been helping investors reach their goals since 1975, growing into one of the world's largest fund managers along the way. Our aim is to cut the cost and complexity of investing, and do the right thing. By taking a stand for all investors, treating them fairly, we aim to give everyone the best chance for investment success.

Investment risk information:

The value of investments, and the income from them, may fall or rise and investors may get back less than they invested. Past performance is not a reliable indicator of future results.

A different type of investment company

In 1975, our founder John ‘Jack’ Bogle launched a bold experiment: an investment company that was designed to make money for its investors, not from them. He structured Vanguard in the US to be owned by its funds. Instead of paying dividends to external shareholders, we would redirect any profits we made to our own investors in the form of lower costs. A year after opening Vanguard's doors, Bogle created the first index fund for individual investors, ushering in the era of low-cost index (or tracker) investing. Today, Vanguard remains committed to helping all investors achieve investing success.

Why invest with Vanguard?

Because our focus is always on you, where it belongs. Because we provide clear information that empowers you to make smart investment decisions. Because we give you access to the world of equity and bond investments at low cost. Some people say investing is complicated. We don't think it has to be. In fact, we believe successful investing rests on four simple principles – goals, balance, cost & discipline.

And the benefit to you? You get to keep more of your investment returns over time. Because when it comes to investing, you get what you don't pay for. That's the Vanguard difference.

More about Vanguard

What to Expect

Investment Choice

Products

Stocks and Shares ISA

Junior ISA

Investment Account

Investments available

Own brand funds

Investment help

Robo advice / ready-made portfolios

The 'Geeky' Details

Provider details

Vanguard is one of the world's largest asset management groups, which recently launched Vanguard Investor so investors can buy its funds directly. There are just investments and ISAs today, however the launch of a pension is looming. You can only hold their investments – so you can’t access other fund managers or buy shares here. 
This low-cost service won’t offer research and shares, bells or whistles; but with its LifeStrategy range of funds it will manage your money in a decent portfolio, spread around lots of global investments which are picked and run for you, for around 0.48% all-in or £4.80 on a £1,000 investment.   

Important Facts & Figures

Provider Size:

New investment service from one of the world's largest asset managers.

Minimum amounts: £100 minimum monthly amount
£500 minimum initial amount
12 month indicative performance:

A medium risk fund (Vanguard LifeStrategy 60%) returned 8.6% in 2017, after charges.

Your Questions

"Hello, I currently have a Stocks & Shares ISA and a Junior ISA with Wealthsimple. I am considering changing these to Vanguard, but I am unsure if transferring across providers is a simple process, and if they can transfer without issues. Also I am confused, as I would maybe like to invest over a few different platforms, but it seems you can only pay into one per year?"

Philip, County Antrim

21/05/2019

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"I've been reading about Beaufort Securities, and how potentially the administrator could have used investor money to cover their costs. What is the best way to avoid the same thing happening to my Stocks and Shares ISA?"

Jenny, Greater Manchester

29/04/2019

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"I am a beginner investor and would like to invest in a "socially responsible" Stocks & Shares ISA. I have looked into the Nutmeg and Wealthify funds, having found out about them through the Money Saving Expert website. Is there information about any other such providers on your website? And do you have any advice about how to compare the "socially responsible" criteria on the different funds?"

Joy, Glamorgan

16/04/2019

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