Digital Advisor, the new advice service chosen by your employer, provides you with more personalized financial guidance for less than you paid previously. Plus, you'll get access to powerful online tools for managing your financial life. But you have to complete your profile to take advantage of these exciting features.
Retirement plan participants
Vanguard Managed Account Program (VMAP™)
Investment management based on third-party advice methodology.
Costs about $40 for every $10,000 we manage each year.1
- Automated investment and money management.
- Retirement income planning only.
- Does not link to Vanguard brokerage accounts and IRAs.
Vanguard Digital Advisor®
Money management and advice for all your financial goals—entirely online.
Costs about $15 for every $10,000 we manage each year.2
- Retirement income planning.
- Help with other financial goals.
- Links to Vanguard brokerage accounts and IRAs.
Get even more
Watch this video to see how Digital Advisor uses your profile settings to build your personalized saving and investing plan. And learn more about the powerful planning tools you'll unlock once you complete your profile.
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Updating your profile
Welcome to Vanguard Digital Advisor®! We’re glad you’re here. To get the most out of Digital Advisor and unlock all that it has to offer, you’ll need to update your profile. Here’s why: We’re now managing your investments using profile settings your employer chose for you. But those settings might not be right for you. And you deserve financial advice that’s tailored to fit your needs.
How can you get personalized advice? By completing two steps that will take you about 5 minutes. Start by logging in to your Digital Advisor profile. Make sure your planned retirement age, time in retirement, and tax filing status are up to date. These details help us figure out the right amount of risk we think you can afford to take and still reach your goals. Then take our risk survey. We’ll show you 3 scenarios, 1 long term and 2 short term. Each scenario shows pairs of best and worst outcomes for your money. You’ll pick the outcomes you’re most comfortable with. Your answers help us pinpoint your comfort with financial risk. After you finish both steps, Digital Advisor will use your info to build your personalized investment mix. And we’ll check that mix every business day to make sure it’s still working for you.
Plus, our tools can take your financial planning to the next level. You can set custom goals, like buying a car or a new home. Get help knocking out debt with our debt payoff calculator. And make sure you’re covered for a financial emergency with our rainy-day tool. You can also continue adding details to your profile to fine-tune your retirement outlook.
Power up your retirement planning. Update your Digital Advisor profile today!
The legal details
Whenever you invest, there’s a chance you could lose the money.
Vanguard Digital Advisor's services are provided solely by Vanguard Advisers, Inc. (VAI), a registered investment advisor. Go to vanguard.com/legalbrochure for important details about this service. Vanguard Digital Advisor's financial planning tools provide projections and goal forecasts, which are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.
© 2024 The Vanguard Group, Inc. All rights reserved.
Whenever you invest, there's a chance you could lose the money.
1Actual costs vary. Digital Advisor will reduce your gross advisory fee by the amount of revenue (such as expense ratio rebates) that Vanguard (or a Vanguard affiliate) collects on your portfolio in order to calculate the net advisory fee. Digital Advisor’s annual net advisory fee is approximately 0.15% across your enrolled accounts for a typical investment portfolio, although your actual net fee will vary depending on the specific holdings in each enrolled account. Your net advisory fee can also vary by enrolled account type. Plan participants’ actual advisory fees will vary depending on your plan’s lineup and the revenue that Vanguard receives from those investments. Please see your plan fee disclosure notices for the applicable annual gross advisory fees that apply to your plan assets.
2Actual costs vary. Each VMAP participant pays fees to Vanguard Advisors, Inc. (VAI), based on a percentage of assets in each account managed by VAI (excluding loan balances) according to the following schedule:
• 40 basis points (0.4%) per year for assets up to $100,000.
• 30 basis points (0.3%) per year for assets between $100,000 and $250,000.
• 20 basis points (0.2%) per year for any assets over $250,000.
The fee schedule above reflects the standard schedule of fees for VMAP which became effective on January 1, 2019.
2Actual costs vary. Each VMAP participant pays fees to Vanguard Advisors, Inc. (VAI), based on a percentage of assets in each account managed by VAI (excluding loan balances) according to the following schedule:
• 40 basis points (0.4%) per year for assets up to $100,000.
• 30 basis points (0.3%) per year for assets between $100,000 and $250,000.
• 20 basis points (0.2%) per year for any assets over $250,000.
The fee schedule above reflects the standard schedule of fees for VMAP which became effective on January 1, 2019.
Vanguard Digital Advisor's services are provided solely by Vanguard Advisers, Inc. (VAI), a registered investment advisor. Please review the Vanguard Digital Advisor brochure for important details about this service. Vanguard Digital Advisor's financial planning tools provide projections and goal forecasts, which are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.
Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, L.L.C. All rights reserved. Used with permission.
The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor of the Vanguard Funds. Your use of this site signifies that you accept our terms and conditions of use.