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Markets & Economy | Current conditions
While presidential elections can of course be hugely consequential in terms of the direction of public policy, they should not dictate investment decisions.
DC Retirement | Plan sponsor support
We recommend that employees save 12% - 15% of their pay for retirement. Here's how plan sponsors and advisors can help.
Investment | Multiasset and TDF
Vanguard analysis demonstrates that financial advice adds value for participants who've saved more, and less, than baseline.
Investment | Multiasset and TDF
With the increased attention on target-date funds (TDFs) and retirement income sufficiency, a new investment product has emerged that combines annuities with TDFs. We examine the investment value of hybrid annuity TDFs and provide considerations around usability, acceptability, implementation, and feasibility for those evaluating whether to introduce these products into their fund lineup.
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Hear our senior leaders share Vanguard’s vision to support every individual on their journey to financial well-being.
Virtual | January 29, 2025 | 1:30 p.m., EST | Virtual
Join us for a detailed look at our integrated financial wellness solutions, which can help you attract, engage, motivate, and retain employees.
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For more information about Vanguard funds, visit institutional.vanguard.com 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.
Investments in Target Retirement Funds and Trusts are subject to the risks of their underlying funds. The year in the fund or trust name refers to the approximate year (the target date) when an investor in the fund or trust would retire and leave the workforce. The fund/trust 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 Fund or Trust is not guaranteed at any time, including on or after the target date.
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 ETF Shares are not redeemable with the issuing Fund other than in very large aggregations worth millions of dollars. Instead, investors must buy and sell Vanguard ETF Shares in the secondary market and hold those shares in a brokerage account. In doing so, the investor may incur brokerage commissions and may pay more than net asset value when buying and receive less than net asset value when selling.
Advisory services are provided by Vanguard Advisers, Inc. (VAI), a registered investment advisor or by Vanguard National Trust Company, a federally chartered, limited-purpose trust company.