What's an investment product?
An investment product is an asset that may grow your money for you such as a mutual fund or ETF (exchange-traded fund). When you open a Vanguard Brokerage Accountyou can choose multiple investments and hold them all in 1 account. Check out your options below.
- Mutual funds
- ETFs
- Money market
- Stocks
- CDs
- Bonds
Vanguard mutual funds
Mutual funds offer diversification and convenience
Vanguard pioneered low-cost mutual fund investing. Our current fund lineup includes a wide selection of both index funds and actively-managed funds.
Vanguard ETFs®
ETFs offer more flexibility than traditional funds
You don't need thousands of dollars to purchase exchange-traded funds (ETF) to enjoy their low-cost diversification.
Make your cash work for you
It’s important to have cash set aside for a rainy day. See what money market fund is right for you.
Want to invest in a specific stock? No problem.
With Vanguard Brokerage Services®you can invest in your choice of stocks.
Add stability to your account with CDs
FDIC insured certificates of deposit (CDs) offer principal preservationearningsand less volatility in your portfolio.
Diversify your portfolio with bonds
You can earn income while investing in a less risky alternative to stocks.
Vanguard mutual funds
Mutual funds offer diversification and convenience
Vanguard pioneered low-cost mutual fund investing. Our current fund lineup includes a wide selection of both index funds and actively-managed funds.
Vanguard ETFs®
ETFs offer more flexibility than traditional funds
You don't need thousands of dollars to purchase exchange-traded funds (ETF) to enjoy their low-cost diversification.
Make your cash work for you
It’s important to have cash set aside for a rainy day. See what money market fund is right for you.
Want to invest in a specific stock? No problem.
With Vanguard Brokerage Services®you can invest in your choice of stocks.
Add stability to your account with CDs
FDIC insured certificates of deposit (CDs) offer principal preservationearningsand less volatility in your portfolio.
Diversify your portfolio with bonds
You can earn income while investing in a less risky alternative to stocks.
Already have an investment in mind?
Holding Cash vs Investing
Does investing work? Don't take our word for it. See how $10,000 has historically performed in the market compared with not investing at all. Past performance doesn't guarantee future performancebut the results speak for themselves.
Additional financial products to consider
Diversifying your holdings can help reduce market risk. Need help finding a bond to stock ratio for your account?
What does it cost to invest at Vanguard?
Helpful resources
What our experts have to sayStay on top of everything from market updates to smart tax strategies. Read our blog posts and news articlesor watch videos from our experts. |
Get perspective on the marketsMarket volatility is a part of investing. But with the right investing strategyyou can ride out ups and downs with less stress. |
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Ranked highest and named "Most Trusted" in the J.D. Power 2025 U.S. Investor Satisfaction Study. Vanguard has won this award 4 out of 5 years.
For J.D. Power 2025 award informationvisit jdpower.com/awards . View methodology
It's very meaningful to me that Vanguard is owned by its investorswhich is me!”*
Vanguard is investor-ownedmeaning the fund shareholders own the fundswhich in turn own Vanguard.
Get a sneak peek at what investing with us looks like
As a Vanguard clientyou'll have access to a variety of features that help you manage your portfolio.
This illustration is hypothetical and isn't representative of any client's account.
See your accounts at a glance
Get a bird's-eye view of how your accounts are doing on our Balances page.
A detailed look at your portfolio
Keep track of how your portfolio is allocated and get helpful portfolio alerts based on Vanguard's investing philosophy.
A snapshot of your retirement savings
Use this page to manage and keep track of your retirement journey.
One page for your trading needs
Our Buy & sell page allows you to easily access trade paths to all the products your Vanguard account can hold.
Easily manage your profile preferences
Set up recurring investmentsbanking informationbeneficiariesand more to keep your profile information up to date.
Your portfolio at your fingertips
With a few tapsyou can review your account balancesplace tradesand manage your Vanguard profile.
- See your accounts at a glance
- A detailed look at your portfolio
- A snapshot of your retirement savings
- One page for your trading needs
- Easily manage your profile preferences
- Your portfolio at your fingertips
- See your accounts at a glance
- A detailed look at your portfolio
- A snapshot of your retirement savings
- One page for your trading needs
- Easily manage your profile preferences
- Your portfolio at your fingertips
Start investing today.
Common questions about investment products
Your account holds the investments you choose to grow your money. The investment products you select put your money to work by generating earnings or increasing in value.
Think of your accounts as an empty garage. The different vehicles you keep in the garage are like the varying investment products you hold in your brokerage accounts to build your portfolio.
You can buy a Vanguard ETF® for as little as $1regardless of the ETF's share price. All stocks and non-Vanguard ETFs must be bought at market share price. Both Vanguard and non-Vanguard mutual fund minimum investment amounts vary by fund.
Expense ratios on mutual funds and ETFs are calculated by dividing the fund's operational expenses by its average net assets.
When you open an account at Vanguardyou're opening a brokerage account that can hold most types of investments. Having all your investments in 1 place helps you easily keep tabs on your portfolio and make changes if necessary.
Your brokerage account includes a settlement fund—a money market mutual fund used to pay for and receive proceeds from brokerage transactions.
The most common investments held in Vanguard accounts are mutual funds and ETFs (from Vanguard and other fund families) and individual stocksbondsoptionsand CDs.
Lower-risk productsincluding certificates of deposits (CDs) and money market fundsaim to protect your principal; but pay lower interest rates.
Learn more about cash investments
Learn more about CDs
Learn more about money market funds
The biggest risk is that your portfolio will lack diversification. An individual investment productlike a stockcould provide excellent returnsbut the company could also go bankruptand its stock could become worthless. By investing in products that hold multiple investmentslike mutual funds and ETFsyou spread out the risk of 1 investment performing poorly.
Consider your investment goaltime frame for needing the moneyand overall risk tolerance to determine an appropriate asset allocation. Thenpick a proportion of stockbondand cash investments to build a portfolio that matches your target asset mix.
You can also take our Investor Questionnairewhich will suggest an asset mix based on your results.
Yes. ESG funds are a great way to complement your portfolio with funds that reflect your values. We offer ESG investing options that consider environmentalsocialand governance issues. Our ESG funds have differing investment s and objectives and invest in stocks and bonds.
Sometimesthe term ESG is used interchangeably with “socially responsible investing (SRI)” and “sustainable investing.”
Opening a Vanguard investing account is freeeasy—and fast! (It should only take around 5–10 minutes.) Start by choosing Open an account from the menuthen select Start your new account.
Most investors fund their new accounts with an electronic bank transfer. If you choose this optionmake sure you have your bank account and routing numbers readily available.
Actively managed funds are directed by professional fund managers who handpick investments to try to beat market returns.
Browse our actively managed funds
Passively managed funds—also called index funds—are directed by professional fund managers to try to keep pace with market returns by mirroring certain market segments.
Each strategy has a unique method for selecting its underlying investments. Compare other aspects of these management s
We offer several low-costall-in-one funds that invest in multiple asset classes to help simplify how you manage your portfolio.
Whether you're saving for retirementa loved one's educationor any other financial goalwe've got you covered.
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For more information about Vanguard funds or ETFsvisit vanguard.com to obtain a prospectus orif availablea summary prospectus. Investment objectivesriskschargesexpensesand other important information about a fund are contained in the prospectus; read and consider it carefully before investing.
*The experience of this Vanguard client may not be representative of the experiences of other Vanguard clients and is not a guarantee of future investment performance or success.
ESG funds are subject to ESG investment riskwhich is the chance that the stocks or bonds screened by the index provider or advisoras applicablefor ESG criteria generally will underperform the market as a whole orin the aggregatewill trail returns of other funds screened for ESG criteria. The index provider or advisor’s assessment of a companybased on the company’s level of involvement in a particular industry or their own ESG criteriamay differ from that of other funds or an investor’s assessment of such company. As a resultthe companies deemed eligible by the index provider or advisor may not reflect the beliefs and values of any particular investor and may not exhibit positive or favorable ESG characteristics. The evaluation of companies for ESG screening or integration is dependent on the timely and accurate reporting of ESG data by the companies. Successful application of the screens will depend on the index provider or advisor's proper identification and analysis of ESG data. The advisor may not be successful in assessing and identifying companies that have or will have a positive impact or support a given position. In some circumstancescompanies could ultimately have a negative or no impact or support of a given position.
Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the Fund name refers to the approximate year (the target date) when an investor in the Fund would retire and leave the work force. The Fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Income Fund has a fixed investment allocation and is designed for investors who are already retired. An investment in a Target Retirement Fund is not guaranteed at any timeincluding on or after the target date.
You must buy and sell Vanguard ETF Shares through Vanguard Brokerage Services (we offer them commission-free online) or through another broker (who may charge commissions). See the Vanguard Brokerage Services Commission and Fee Schedules for limits. Vanguard ETF Shares are not redeemable directly with the issuing Fund other than in very large aggregations worth millions of dollars. ETFs are subject to market volatility. When buying or selling an ETFyou will pay or receive the current market pricewhich may be more or less than net asset value.
All investing is subject to riskincluding the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income.
Vanguard's advice services are provided by Vanguard AdvisersInc. ("VAI")a registered investment advisoror by Vanguard National Trust Company ("VNTC")a federally charteredlimited-purpose trust company.
The services provided to clients will vary based upon the service selectedincluding managementfeeseligibilityand access to an advisor. Find VAI's Form CRS and each program's advisory brochure here for an overview.
VAI and VNTC are subsidiaries of The Vanguard GroupInc.and affiliates of Vanguard Marketing Corporation. Neither VAIVNTCnor its affiliates guarantee profits or protection from losses.