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Vanguard Review

as of 18/01/2019 at 12:25 pm

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.

Our Rating

Recommended For

In a nutshell

Low cost

No access to shares

Straightforward investments

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Your overall rating

Based on 25 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 – there's no pension yet. 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 just 0.37%.

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

"I presume you probably get a lot of these emails from hopeful entrepreneurs attempting to make money. However, I also concluded that it was worth a shot! - I have read a lot of your content online about investing money and I have seen you on the BBC before. I was hoping that you'd potentially share some words of wisdom with me. I often find that my monthly salary is spent on things I don't need or just saved up; without accumulating much. So I guess my question is.. what do I do with my money to make money? Of course I am not expecting you to tell me where and when to invest but simply what to read, and I guess I really would like to know how you became an expert, where did you start? I feel like investment is something so big I can barely even touch it, and I would greatly appreciate any words of advice you could share with me. Thanks and I hope to hear from you soon. Kind Regards, Beth"

Beth, London

07/12/2018

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"I have just bought a house; got 3 months income in my current account and now will be earning about £1000 per month after bills and normal spending. I’ve been investing in Nutmeg’s Risk 10 profile for three years which helped my deposit for my house. I also contribute to the Teacher's Pension scheme. I am now wondering whether to use Nutmeg again, or should I use LifeStrategy for my £1000 per month? Is there a difference between Vanguard's LifeStrategy option and let’s say a well known robo adviser like Nutmeg? Or do I now push the boat out and start investing in a few funds? I am still a beginner and would like to keep things simple, but happy to take risk and prepared to leave my investments for a long time. Please do you have any advice for me? Thank you."

Jordan, Surrey

26/11/2018

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"I am a 35 year old woman working part time on a reasonably good salary. I have recently taken out a Stocks & Shares ISA with Wealthify (from reading the recommendations on Boring Money) where I pay in £40 per month. However, I am wondering if I should be doing more? Should I be diversifying and using more than just Wealthify by also investing in Vanguard or Investec, for example? Or is it better to increase the amount into Wealthify? Thanks!"

Holly, Sussex

17/10/2018

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