Inspiring participants to take positive financial actions
See how we support participants no matter where they are in their retirement journey
Solutions for early-career participants
Carmella is a decade into her career, juggling student loans and credit card debt. Discover how Vanguard guides her to take positive actions through personalized guidance and education.
Improving plan participant's emergency savings: Vanguard's Cash Plus Account
Guiding participants to prepare for emergencies
See how Cash Plus Account, our out-of-plan solution, allows all participants—regardless of compensation—to save for emergencies beyond the SECURE 2.0 emergency saving provisions. Whether it’s a small emergency, like a flat tire, or something catastrophic, like job loss, Vanguard can help your participants feel confident about their emergency savings.
Powerful retirement tools that empower participants
Retirement Savings Maximizer: It’s what’s next in financial well-being
Retirement Savings Maximizer is the first tool of its kind to help plan participants maximize their savings in the most tax-advantaged way. It also provides education, making it easy to understand and take next steps.
How we help participants calculate health care costs in retirement
Helping those close to or in retirement feel confident about their health care costs
Planning for health care costs in retirement can be one of the biggest unknowns. Vanguard’s Health Care Cost Estimator provides a more personalized estimate of health care expenses—looking at personal factors such as health, coverage, and region—so participants can factor it into their retirement budget.
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1 Source: Vanguard, 2024.
57% of Americans aren't in a position to afford a $1,000 emergency. Source: Bankrate's 2023 annual emergency savings survey.
Notes:
Some third-party institutions may not accept the Cash Plus Account routing number for transactions. If you have any issues using the routing number on a third-party website, contact the provider.
An annual account service fee, wire redemption fees, and account closure and full transfer-out fees may apply. See the Vanguard Brokerage Services commission and fee schedules for details and exclusions that may apply.
Cash Plus Bank Sweep program balances are held at one or more participating banks, earn a variable rate of interest, and are not covered by SIPC. See the list of participating Program Banks. Balances are eligible for FDIC insurance, subject to applicable limits.
The Cash Plus bank sweep program APY will vary and may change at any time.
The Vanguard Cash Plus Account is a brokerage account offered by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member FINRA and SIPC. Under the Sweep Program, Eligible Balances swept to Program Banks are not securities: They are not covered by SIPC but are eligible for FDIC insurance, subject to applicable limits. Money market funds held in the account are not guaranteed or insured by the FDIC but are securities eligible for SIPC coverage. See the Vanguard Bank Sweep Products Terms of Use and Program Bank list for more information.
All investing is subject to risk, including the possible loss of the money you invest.
You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.
For more information about Vanguard mutual funds or Vanguard ETFs, obtain a mutual fund or an ETF prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information about a fund are contained in the prospectus; read and consider it carefully before investing.