Hello, Future. Meet financial well-being.

Woman at a laptop imagining the benefits of financial well-being

Hello, Future. Meet financial well-being.

We’re changing the game on how the industry approaches financial well-being with a comprehensive program that puts participant outcomes at the center of everything we do.

Woman at a laptop imagining the benefits of financial well-being

Hello, Future. Meet financial well-being.

We’re changing the game on how the industry approaches financial well-being with a comprehensive program that puts participant outcomes at the center of everything we do.

Discover how Vanguard’s financial well-being program can prepare your participants for life’s big moments—and the small ones too. Welcome to Vanguard Well on Your Way™.

Integrated wellness tools and services

that bring the full financial picture into view, help manage day-to-day expenses, pay off debt, save for emergencies and health care costs, and plan for an enjoyable retirement.

Actionable advice

that brings options for all participants, at all stages, to help achieve all goals—not just the retirement ones.

Enduring investments

that can help participants maximize retirement saving over the long haul.

Financial well-being for moments that matter

Your participants need an investment well-being partner who can help them on every step of their journey to retirement, and through it. Vanguard Well on Your Way is designed to guide them in every phase of life.

Built to drive outcomes

Participant wellness needs met through one integrated experience

A wellness experience shaped to your needs and theirs.

  • My Financial Wellness, an integrated financial well-being hub and overall wellness assessment.
  • Total support to assess, educate, guide, and implement the actions that lead to financial well-being.
  •  Flexible architecture that allows plan sponsors to easily integrate with benefit partners.
  • Building financial literacy every step of the way.

Improving overall financial wellness of employees is the top priority for 401(k) plan sponsors.

Source: The Cerulli Report, U.S. Retirement Markets 2021

Focused on outcomes. Not bells and whistles.


From how they're built to how they're priced and delivered, our advice services are powerful financial well-being tools.

73% of Americans rank finances as their number one source of stress.

Source: Capital One CreditWise Survey, 2021.

Our advisors are not incentivized to upsell.

Enduring investments

The power of an investor-first philosophy

Focused on success over the long haul.

  • Proven performance: Vanguard Target Retirement Funds have all delivered higher risk-adjusted returns than their respective peer averages over 3, 5, and 10 years.1
  • A differentiated investment philosophy: A long-term focus, disciplined approach, and sound process for evaluating investment managers, which help produce strong results.
  • Compelling strategies: Investments that allow participants to allocate for retirement goals, plus Vanguard target-date strategies that blend investment theory and behavioral finance with a glide path to help participants retire when they want, with enough money to live comfortably.

Nearly 80% of U.S. participants in a retirement plan at Vanguard invest in a target-date fund, and for many, it's the only investment they hold.

Source: Vanguard, January 2022.

Based on Sharpe ratios (risk-adjusted returns) for each Vanguard vintage relative to their peer-group average for each period ending December 31, 2021. Only funds with at least 3, 5, or 10 years of history, respectively, were included: 12 out of 12 Vanguard Target Retirement Funds in the 3-year period, 11 out of 11 in the 5-year period, and 10 out of 10 in the 10-year period delivered higher risk-adjusted returns than their respective peer-group averages. Results will vary with different time periods. Sources: Vanguard and Morningstar, Inc. Note that the competitive performance data shown represent past performance, which is not a guarantee of future results, and that all investments are subject to risks. For the most recent performance, visit our website at www.vanguard.com/performance.

Helping our participants live their best lives on the way to retirement—and all the way through it.

Fully aligned

Experience the Value of Ownership in action.

Our number-one goal is to help your participants reach theirs.

Returning value to investors.

  • Your participants are more than just our investors. They're our owners.1 This means we get to sit on the same side of the table and remain by their side, coaching and guiding them to greater financial well-being.
  • Because our investors are our owners, our interests are uniquely aligned with a laser focus on improving outcomes.
  • The Value of Ownership means we act with conviction in doing what's right for you and your participants.

1Vanguard is investor owned, meaning the fund shareholders own the funds, which in turn own Vanguard.

Vanguard—the Value of Ownership.

Empowering people to achieve financial well-being

Learn more about our approach and philosophy.

Want to learn more about Well on Your Way and why it could be right for your participants?

Contact your representative, or tell us what you'd like to learn about.

*A positive action can include such activities as registering for web access, increasing a contribution rate, enrolling in a retirement plan, and signing up for an advice service.


Vanguard Digital Advisor received the top rating for "Best Robo-Advisor for Low-Cost Investing" for 2022 among 18 other robo-advisors selected by NerdWallet. NerdWallet evaluated each provider across the following weighted criteria as of October 2021, to determine the winner for low costs: management fees (50%), expense ratios on investments (40%), and account fees (10%). Additional details about NerdWallet's methodology are available on their website. Current fees may vary for Digital Advisor and the other robo-advisors considered. Although Vanguard compensates NerdWallet for marketing services, NerdWallet's opinions and evaluations are independent and unrelated to the selection of Digital Advisor for this award. © 2017-2022 and TM, NerdWallet, Inc. All rights reserved.

For more information about any fund, visit institutional.vanguard.com or call 800-523-1036 to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing.

All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.

Advice is provided by Vanguard Advisers, Inc. (VAI), a federally registered investment advisor. Eligibility restrictions may apply. VAI cannot guarantee a profit or prevent a loss.


Investments in Target Retirement Trusts and Funds are subject to the risks of their underlying funds. The year in the trust or fund name refers to the approximate year (the target date) when an investor in the trust or fund would retire and leave the workforce. The trust or fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Income Trust/Fund and the Income and Growth Trust have fixed investment allocations and are designed for investors who are already retired. An investment in a Target Retirement Trust or Fund is not guaranteed at any time, including on or after the target date.


Vanguard is responsible only for selecting the underlying funds and periodically rebalancing the holdings of target-date investments. The asset allocations Vanguard has selected for the Target Retirement Funds are based on our investment experience and are geared to the average investor. Regularly check the asset mix of the option you choose to ensure it is appropriate for your current situation.


Vanguard Target Retirement Trusts are not mutual funds. They are collective trusts available only to tax-qualified plans and their eligible participants. Investment objectives, risks, charges, expenses, and other important information should be considered carefully before investing. The collective trust mandates are managed by Vanguard Fiduciary Trust Company, a wholly owned subsidiary of The Vanguard Group, Inc.


Vanguard Digital Advisor’s services are provided by Vanguard Advisers, Inc., a federally registered investment advisor. Go to vanguard.com/digitalbrochure for important details about this service. Vanguard Digital Advisor’s financial planning tools provide projections and goal achievement forecasts that are hypothetical in nature. They are provided for educational purposes only and are not guarantees of future results. 


VAI is a subsidiary of VGI and an affiliate of VMC. Neither VAI nor its affiliates guarantee profits or protection from losses.