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Say Hello to Vanguard’s Newest Member :)

by J. Money on Wednesday, April 30, 2014

j. money vanguard

I officially pulled the trigger(s) and moved all my investment accounts to Vanguard.com! I’m pretty excited. I know I should have done it all years ago, as no doubt some of you will remind me of, but just like everything else in life we get to things when it finally becomes a priority :) And I was tired of being lazy and not knowing what I was doing with my investments. (Though, interestingly enough this move will allow me to be even more lazier, once I get things fully set up and moving)

[UPDATE: Here's where I put all my money into at Vanguard!]

I’ll have to do another post later on what, exactly, I’ll be investing in with these accounts, but switching to Vanguard in itself should give you a good hint as to the general direction ;) Today, however, I pat myself on the back for taking the first step by moving institutions. Something I didn’t take lightly as I finally got all my financial accounts under one roof with USAA – still my all-time favorite company (just not when it comes to investments, since other places specialize in it).

Why I Moved to Vanguard

Here were the main reasons I made the change, in no particular order:

  • I wanted to be lazier
  • I wanted to be lazier with low fees
  • This post by JL Collins
  • I wanted to *know* exactly what these low fees were
  • I wanted to easily be able to xfer in money without worrying about additional fees (USAA charges you a hefty fee if you want to invest in Vanguard funds through them)
  • I like the way Jack Bogle thinks
  • I wanted to get a much better snapshot of my retirement money
  • And I wanted to do it at a place that specializes in just that – no offense to USAA (If we’re talking car insurance or online banking, they’re pretty much the pioneers).

Interestingly enough Vanguard is also owned by their investors themselves, which I later found out (and loved hearing). So in a way I now own part of a billion dollar company to boot :) The whole story of how Vanguard came about is actually quite fascinating, and would highly recommend learning about it if you have the time and interest. Start with their Wikipedia page. The founder (Jack Bogle) is credited with creating the world’s very first index fund, and there’s even an entire forum dedicated to his vision at Bogleheads.org – pretty cool stuff.

And I gotta tell you, I haven’t felt this good in a while. It’s nice to take action and move closer to financial responsibility :) After tweeting about it earlier too it seems I’m not the only one crushing on them either!

vanguard tweets

In fact, every person I told after tweeting this only had good things to say about them too. I was pretty shocked to be honest, I couldn’t find any haters out there?? I even asked!

vanguard haters

So if you haters do exist, please do speak up. You have to wonder about a place that no one ever complains about, don’t you? At least to have a formidable debate! ;)

Something else I was pleased to find was the EASE and QUICKNESS of moving everything over too. I literally had to create three brand new accounts (SEP IRA, Roth IRA, and Traditional IRA – which will later merge with my SEP which I never know was possible? (Yeah condensing!)), and then on top of that TRANSFER OVER all my 5 accounts from USAA too boot. Since I had so many set up for my crazy IRA Testing many moons ago (which I’m also happy to retire).

Wanna guess how long all that took me? About 80 minutes flat. All on the phone, and without paperwork or anything. I’m still very much in shock :) I even broke the calls down in chunks thinking it was going to be a nightmare, haha… I mean, we were dealing with a half dozen accounts all over the place? How could that be so easy? Remember back in the day when it was all face-to-face or mailing packets of paperwork all over town? Ugh…

aint nobody got time fo dat

(Sorry, couldn’t resist ;))

I was also pleased to know that their customer service was top notch too. Very similar to USAA which was one of my main concerns. I like things nice and easy, and even more so nice PEOPLE on the other end of the line. I don’t do bad service anymore, I’m too old to deal with that crap ;)

I’ll report back once I have a better grasp on everything and invested in my new funds, but I just had to pop in and let y’all know what I’ve been up to lately. I highly recommend* you guys checking out Vanguard too if you haven’t done so already. I’m sure they’re not for everyone (again, good time to speak up haters!), but seeing how they currently hold over two TRILLION dollars worth of people’s money, something tells me I’m in safe hands.

Now where all my Bogleheads at? And do I really have to call y’all myself that? ;)

[UPDATE: Here's where I put all my money into at Vanguard!]

——-
* I’m in no way getting compensated by Vanguard to share my opinions here. Believe me, I even asked if they had an affiliate plan since I was going to talk about them anyways, but since it’s all owned by members such as myself (with the goals of keeping costs low of course) they don’t even have a plan set up. Which just goes to show how even MORE awesome they are! People pimp them out for free anyways! Especially the early retirement crew… you can’t read a full article without seeing their names mentioned ;) Which was what eventually led me to make the move.


{ 80 comments… read them below or add one }

1 Clarisse @ Make Money Your Way April 30, 2014 at 5:32 am

It seems that the Vanguard is really a good investment. Waiting for your updates!

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2 jestjack April 30, 2014 at 7:08 am

Please keep us updated. I am a fan of Tiaa-Cref and it’s funds BUT lately their fees are starting to creep up. On the other hand two of these funds last year returned 38 and 36 percent respectively…so I’m thinking “penny wise…dollar foolish” comes in to play…Your thoughts?

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3 Dave @ The New York Budget April 30, 2014 at 8:04 am

jestjack – they were up that much because the whole market was that much. Nobody can predict where the market is going in any given year and nobody (except maybe Warren Buffett) can consistently beat the market every year. So with Vanguard index funds, you track the market – get those returns with the least amount of fees possible.

The most important disclaimer you see on EVERY fund in the world is:

Past performance is not an indicator of future earnings.

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4 J. Money May 5, 2014 at 2:46 pm

I’m with Dave on this one :)

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5 Brian April 30, 2014 at 7:31 am

The only “hate” I can throw on vanguard is that there is a fairly “high” ($3000) barrier for entry for most of their mutual funds. For someone starting out that could be something that could really dishearten them. Other than that, I have been pretty happy with Vanguard. They erroneously charged me a fee one time and one quick phone call later then reversed it and I haven’t had a problem since!

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6 J. Money May 5, 2014 at 2:47 pm

Ah yes – good point about the $3k barrier. Totally missed that since it’s been a while we had less than that to invest. Guess it has to be higher though in order for the fees to remain low and provide generally great service?

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7 Dan May 6, 2014 at 11:09 pm

If you can’t meet their “barrier”, use their low cost index ETF’s, then switch over once you’ve got the 3 or 10K. I’ve been talking about Vanguard and Bheads for a LONG time now to J$. Wish he would have listened earlier ;)

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8 Catina Mount April 30, 2014 at 7:45 am

I’ve heard only good things and really want to jump on board. Can’t wait to hear more!

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9 Dave @ The New York Budget April 30, 2014 at 8:01 am

No hate here! Vanguard’s fees are so low, it actually makes me chuckle thinking about it sometimes. I had a friend (granted who made a really poor investment, paying some guy 15% annually) what my annual fees were on my investments at Vanguard. He said, “what is it, like 1-2%” expecting to be jealous of THAT number. Try .05% – 1/300th of the fee he was paying!!!

Other than that, I don’t have anything else to say about Vanguard, which is a good thing. It just tracks and goes along and I don’t have to worry about my investments until I need them, many, many years from now.

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10 John C April 30, 2014 at 8:07 am

Love it! I transferred over to Vanguard last summer from etrade. They have really low fees and its easy to conduct transactions. Even though they have relatively high ($3000) minimums for most funds, they have many ETFs that mimic the mutual funds that can be bought one at a time with no transaction fee. I use these to build up to the $3K amount, then buy into the mutual fund.

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11 zut April 30, 2014 at 8:08 am

My very first mutual fund investment way back in 1996 was in Vanguard Health Care. My dad gave me a Vanguard “why you should invest” book when I graduated college. I was hooked.

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12 J. Money May 5, 2014 at 2:48 pm

Smart dad!!

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13 Rutlandish April 30, 2014 at 8:14 am

Good move J.Money!
I made the exact same move for the exact same reasons about 18 months ago. Transferred the brokerage and ROTHs to the sailboat! Couldn’t be happier.

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14 a terrible husband... April 30, 2014 at 8:19 am

Awesome! I use TD Ameritrade and invest in the commission-free vanguard ETFs. I also have an account at Fidelity, although I don’t own any Fidelity funds there. I’ve been meaning to look into Vanguard.

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15 J. Money May 5, 2014 at 2:49 pm

I’ve never head of anyone leaving Vanguard once there either, come to think of it… That’s gotta count for something, eh? :)

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16 Stefanie @ The Broke and Beautiful Life April 30, 2014 at 8:26 am

Vanguard was my first brokerage and they made it super easy to get things set up. Very happy with them.

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17 Aldo @ MDN April 30, 2014 at 8:34 am

I love Vanguard!
I don’t have all my funds with them though, because I get my 401(k) with Fidelity so it made sense for me to open an account with them as well (aside from my 401k). But you can’t really beat Vanguard’s low fees.

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18 J. Money May 5, 2014 at 2:59 pm

I’ve heard great things about Fidelity too (my parents use them), just haven’t dove in really. It is nice having stuff centrally-located though, so I don’t blame you for sticking with them. It’s exactly why I stuck w/ USAA for so long!

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19 jlcollinsnh April 30, 2014 at 8:41 am

I am shocked JMoney!

You just now are getting on board?? Ah well, at least now I can collect my Vanguard Affiliate Fee…
Oh. Wait…

Anyway, thanks for the links and I’m honored to be in “the early retirement crew” :)

As for hate, here’s all I can come up with:

Many years ago I had one of their financial advisors provide an overview of my portfolio. To my horror, his recommendations included some of their actively managed funds. This from the creators of the best tool ever for individual investors: the Index Fund??!!

This still shocks and baffles me.

Oh, and this is the post I would have thought persuaded you:
http://jlcollinsnh.com/2012/09/07/stocks-part-x-what-if-vanguard-gets-nuked/ :)

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20 J. Money May 5, 2014 at 3:00 pm

Oh, I’ve read that one too good sir! Great post, indeed :)

In fact, I might have to ping you and ask about my fund choices before I pull the trigger – just to get the seal of approval from a smart man like yourself. And since they’re coming from recommendations on your site and others, I have a feeling it’ll be an easy thing to agree on, haha…

Thanks for putting all your thoughts out there for all us to see – you have no idea how much it helps people!

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21 Dan May 6, 2014 at 11:15 pm

3 Fund portfolio until you know your AA, then make your switch with the new investments within your tax sheltered. Read bogleheads.org’s wiki too. Great resources there!

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22 J. Money May 7, 2014 at 3:33 pm

Yes – all about simple portfolios right now! Will be doing 3, or even 2, here initially.

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23 renae April 30, 2014 at 8:45 am

My husband and I opened a Vanguard account this year. The only negative thing I can say is that they won’t let us name beneficiaries. It is a joint account, and when I questioned how to name beneficiaries, I received a form letter stating that it is not an option, and it is unlikely that we will die at the same time. True, it is unlikely, but not impossible, right?

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24 Kathy April 30, 2014 at 9:40 am

Legally, when you have a joint account, the other owner is automatically the beneficiary. If something happened, he/she would get complete individual ownership of the account and at that time could then name a beneficiary. That is the whole point of joint ownership with right to survivorship.

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25 renae April 30, 2014 at 12:40 pm

Thanks, Kathy. I think the form letter said something like that. It would give me peace of mind to be able to name a beneficiary on the account. All of our accounts have a beneficiary and often secondary beneficiaries. We can have our joint checking account transfer on death to someone and our jointly-owned cars are titled to transfer on death. I know that spouses passing at the same moment is rare, but I like to be prepared for all possibilities! :)

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26 Brian April 30, 2014 at 3:22 pm

Have you considered setting up a will? This would solve some of these problems. These can be set up fairly inexpensively too.

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27 J. Money May 5, 2014 at 4:14 pm

Interesting discussion here! Hadn’t ever thought of this stuff, geez… freaky, but you’re right – never know what can happen! I like Brian’s idea of the will for sure.

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28 @freepursue April 30, 2014 at 8:56 am

Nicely done. LOVE Vanguard! Bogle is the bomb. You will get to your financial goals faster than ever now!

If you haven’t taken a look at his book “The Little Book of Common Sense Investing”, I highly recommend it. It will convert anyone to low cost index funds. Yes, even people who work in actively managed funds.

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29 J. Money May 5, 2014 at 4:20 pm

Never even heard of it – will add it to my list!

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30 Brian@ Debt Discipline April 30, 2014 at 9:02 am

Very happy with Vanguard. My company 401k is set up with them. All good things so far.

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31 Mr. Minsc April 30, 2014 at 9:04 am

Here’s a question, what are the thoughts of Vanguard from my Canadian brothers and sisters in arms?

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32 Rebecca @ Stapler Confessions April 30, 2014 at 9:07 am

Dude, I love Vanguard. I just finished rolling over old pensions into Vanguard accounts and I’m thrilled. I just wish my husband’s 403(b) was through Vanguard. It always pales in comparison to what we’re earning with our Vanguard funds!

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33 @WilliamLipovsky, First Quarter Finance April 30, 2014 at 9:25 am

VG’s customer service is excellent. I’ve called in probably 20 times since I moved over there (about a year ago) and I’ve always been very pleased. What can I say, I’m a bit needy…

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34 J. Money May 5, 2014 at 4:22 pm

Haha… you and me both. But I like to think of us more as being “smart” than needy :)

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35 SavvyFinancialLatina April 30, 2014 at 9:37 am

I love Vanguard, and I’ve had USAA in the past. All our funds so far are with Vanguard.

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36 Kathy April 30, 2014 at 9:38 am

We’ve been with Vanguard for years. Never had a problem. We also recently started to use TD Ameritrade just so all our eggs aren’t in one basket. Both places have excellent customer service and research tools. Knowledgeable English speaking customer service technicians. Outstanding.

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37 Kalen @ MoneyMiniBlog April 30, 2014 at 9:41 am

I’m in the same boat! I don’t want to leave USAA, because of the “under one roof” thing and because I love them, but Vanguard it pretty sweet.

I actually published an article yesterday on index funds and I included specific funds to use for retirement. I used USAA funds, but they only have 4, lol, so I also used a bunch of Vanguard funds and as I was looking at them, I started to notice that they were freakin’ nice.

I may make the switch. One day! lol

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38 Becky @ RunFunDone April 30, 2014 at 9:49 am

I’ve got my investments with Vanguard. I know that people have nice things to say about Fidelity as well, but I tried to help hubs make some choices about investments on Fidelity, and I could not figure out how to even learn about the options! Vanguard’s website is pretty easy to use, which is an added bonus, I think!

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39 Andrew@LivingRichCheaply April 30, 2014 at 10:10 am

I’m a boglehead and big fan of Vanguard. Still have a small portion of my portfolio in a different company. Been thinking about moving that over too. Is it bad to have EVERYTHING in one institution? Anyway, I don’t think you’ll find many haters out there but there are plenty of haters of low fee index investing which Vanguard promotes…though they also have actively managed funds (which have pretty low fees too).

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40 J. Money May 5, 2014 at 4:25 pm

I’m pretty sure the funds are all safe whether it’s with one company vs 100 as the institution is mainly a “tool” and the $$ is federally protected, but I could also be wrong in that :) I think you just gotta go with what makes you comfortable and if that means having multiple accounts then that’s how it goes…

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41 Matt April 30, 2014 at 10:55 am

As a Boglehead, I’d recommend researching the 3 Fund Retirement Portfolio. If you want low fees and a lazy investment strategy, that’s the way to go.

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42 J. Money May 5, 2014 at 4:26 pm

Already on it! That’s exactly the route I’d like to take here: smart and lazy.

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43 Even Steven April 30, 2014 at 11:44 am

I switched over about a month ago from T Rowe Price. I initially chose T Rowe because I didn’t have a large portion to transfer over.

Only thing I would check and I’m not sure if it’s avoidable, but I was charged a $20 admin fee from T Rowe Price to close out/transfer the accounts, so you might want to check the USAA docs or website to see if it’s similar. Boglehead, ha.

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44 J. Money May 5, 2014 at 4:27 pm

I’m 99% sure I don’t have to pay any fees as the Vanguard rep looked it up before we made the xfers, but either way I’d still do it anyways just cuz of the long term savings/earnings. Though having multiple accounts being moved and fee’d would sting for a hot second :)

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45 Kristen April 30, 2014 at 11:52 am

Thank you so much for this post! I just started a job where there is no 401K, so I am on my own and dying over who to pick. The love for Vanguard here is obvious, and helps me out with that process. :)

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46 J. Money May 5, 2014 at 4:28 pm

Great!! Welcome to the family potentially too, then :)

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47 Clif Bridegum April 30, 2014 at 12:07 pm

Vanguard is my favorite for investments as well. I moved all my stuff over about 2 years ago and love it! You can’t beat their loads of choices (only use 1 target date fund though) and low cost.

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48 John @ Sprout Wealth April 30, 2014 at 12:11 pm

Very nice J! The only issue with Vanguard, and it’s admittedly a pretty small one is the entrance for some of their funds are at $2500 or $3000. But, then again, that isn’t too bad at all and shouldn’t keep more serious investors away from them. Other than that, it’s definitely hard to beat Vanguard. I love that their private, i.e. not driven by wanting to please shareholders so they can bump up their share price by a few measly cents and they make it very easy – which is the way it should be. I love me USAA as well and we have everything with them…just not our investments. :)

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49 J. Money May 5, 2014 at 4:28 pm

We’re both in the exact same position then! Very cool :)

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50 Shannon @ Financially Blonde April 30, 2014 at 12:13 pm

I am a Vanguard hater, especially for people who are not familiar with investing. I have used multiple websites and I have a handful of clients who use Vanguard and whenever we try to search or research the functionality is REALLY poor and they always say “I guess you get what you pay for.” Which is true. No bells and whistles is fine if you know exactly what ETFs or funds you want to put your money (especially if they are Vanguard funds, God forbid you want another fund) then it is fine. I just think they are not useful to those who are “new” to investing.

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51 J. Money May 5, 2014 at 4:29 pm

That’s a fair assessment I think. I haven’t poked around fully yet, but I can see that being an issue. Thanks for the good hatin’ – we don’t have much of it here! Haha…

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52 Kassandra April 30, 2014 at 12:24 pm

My DH and I hold our US dollar investments with Vanguard and have no complaints so far. I don’t think you’ll regret the move!

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53 Joe S. April 30, 2014 at 1:02 pm

J. Money,

Over half my portfolio is with Vanguard and I could not be happier…and don’t forget as your assets grow stock trade commision reduce and financial planning service fees reduce. Good stuff.

Regards,

Joe

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54 J. Money May 5, 2014 at 4:30 pm

Yes – love that! Thanks for popping in.

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55 Mr. SFZ April 30, 2014 at 2:56 pm

While I don’t personally use Vanguard, I have heard nothing but good things about them. Since I’m guessing you’re going to be investing in index funds, Vanguard is definitely the company to go with, you can’t beat their low expense ratios. Since I primarily invest in individual stocks, I’ll probably be staying with USAA for the time being.

Good luck man, look forward to the updates.
-SFZ

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56 J. Money May 5, 2014 at 4:31 pm

Yeah, I think that’s a good move. I’d actually stick with USAA too if I were only investing in individual stocks, but you’re right – I’m moving to the index fund route :)

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57 Mel @ brokeGIRLrich April 30, 2014 at 3:04 pm

That’s crazy that you transferred over that many different accounts in 80 minutes on 1 phone call. That is definitely the detail that caught my attention!

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58 Eric @ MoneyCents April 30, 2014 at 3:08 pm

I’ve only heard great things about Vanguard as well. They seem to know what they are doing, that’s for sure.

They will definitely be at the top of my priority list when I start looking into some serious investing.

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59 LMaS April 30, 2014 at 3:18 pm

We’ve got about 50% of our investments at Vanguard, and well over 50% of our recurring investments head there too. If all our other investments weren’t in similar low cost accounts we’d transfer those too. All we’d have to gain now is the laziness factor, which can’t be discounted :) Also looking forward to hitting all Vanguard’s Voyager and Flagship personal service milestones. Next up 500k, then before you know it 1mil and 10mil :P Although based on JL’s comment I wonder how helpful their advisers really are.

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60 J. Money May 5, 2014 at 4:32 pm

That would be a good problem to have though at that point :) I’ll be following you through each level too hopefully!

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61 John Schneider April 30, 2014 at 3:48 pm

Congrats! High fees eat gains and Vanguard is known for focusing low cost mutual funds and ETFs.

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62 Mom @ Three is Plenty April 30, 2014 at 4:27 pm

I’m somewhat of a boglehead – even if I don’t have a Vanguard account, I still follow Jack Bogle and his philosophy. I’ve just kept everything with Fidelity (in their Spartan funds mostly) because I do like to play around a bit with stocks directly – that and the hassle of moving everything over. Good to hear that the transfer process went smoothly.

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63 Jacob April 30, 2014 at 4:56 pm

Do the Bogle, Bogle. Do the Bogle Bogle!

Welcome to the team, bro!

You won’t regret it. Just make sure to read through JL Collins full stock series.

Let the gains commence!

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64 No Nonsense Landlord April 30, 2014 at 10:05 pm

I use Fidelity, but most of the major brokerages are similar. When you leave a company, you have a place to roll your 401K over too.

The most important thing is to start, somewhere.

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65 Marie @ Gen Y Finances May 1, 2014 at 9:42 am

Vanguard is cool. Easy access and useful! Way to go.

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66 Ree Klein May 1, 2014 at 10:43 am

Vanguard ROCKS! I’ve been a loyal fan/investor for 25 years. That’s right. And they never disappoint. In fact, I recently wrote a post asking Vanguard to be my valentine…that should tell you just how much I adore that company! Here’s the link for anyone interested: http://www.escapingdodge.com/my-valentine/

As far as their “low cost fees” go, be sure to consider their Admiral funds. These are mirror images of their regular funds but requires a minimum $10k to invest (and limits moving funds to every 60 days) BUT the benefit to using these funds is EVEN LOWER FEES!!!!

Glad you made the move :)
Ree

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67 J. Money May 5, 2014 at 4:42 pm

OH yeah – I remember reading that article actually, was a fun one :) And totally going the Admiral route – Mo money mo money MO MONEY, baby! I’m happy to be a part of the family :)

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68 Done by Forty May 1, 2014 at 11:17 am

Other than my 401k & HSA (which I have no choice in), all our investments are with Vanguard, in index funds. The only thing I wish I’d thought more about was tax efficiency when setting my accounts up. Initially we set each account (e.g. – Roth IRA) with our asset allocation (so, 25% of our Roth was bonds, 25% was international, etc.). Later, we found could be more efficient tax-wise by putting all our bonds in tax-advantaged accounts, and to put the most tax efficient investments in our taxable accounts. Anyway, I wanted to share that as you’re just now making the switch…it might save you some money on capital gains if you’re selling/transferring/rebalancing.

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69 J. Money May 5, 2014 at 4:43 pm

Thanks for the heads up :) I’m not much of a bonds person to be honest with you so I doubt it’ll be a part of my new plan, but then again now that I have kids and trying to be more “adult” like (ie not have 100% of money into risk), that can change in the near future… Still learning as we go here :)

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70 Rick May 1, 2014 at 1:18 pm

J.Money,

Guess I’m a boglehead since I’ve been there since 1995. No regrets in rolling my accounts under one roof. Like many others here, I’ve never had a problem!

I think you should consider a few other accounts to your mix.
– A “Cash” account. The key point here is that there are no restrictions in/out. Vanguard likes to spank people when they “time” the market. To avoid the perception, you sell from one account with the cash deposited into your cash account while simultaneously placing a buy from the cash account. Is this market timing or are you just on your toes to ride the wave?
– An Individual/Solo 401(k). OMG. Vanguard began offering this in 2008 and I was all over this. Self direction at it’s best with just about all of their funds available to you.
– A Roth Brokerage Account. Want to buy individual stocks? Depending on your portfolio value, you could have unlimited $2 trades..

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71 J. Money May 5, 2014 at 4:48 pm

Yup! I got a Roth Brokerage Account, as well as a SEP Brokerage one too for those exact reasons :) I still need to look into the solo 401k route (as many people have prodded me too over the years), just haven’t stopped to do so yet. I’m pretty happy with the SEP to be honest but I’m sure at some point it will make sure to switch – at least from what I’ve been told.

You’ve been a Boglehead for 20 years now – way to go!

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72 Big Guy Money May 1, 2014 at 2:34 pm

Congrats J!

Luckily I did research before opening accounts and avoided a lot of fees. I think I’ve spoken with someone at Vanguard once, and that wasn’t when I opened any of our three accounts. Since we’re still in early accumulation, we’re just going with a LifeStrategy fund. Once we’re investing in a taxable account several years down the road, I’ll make the effort to split it up and optimize our tax efficiency. Right now everything is tax advantaged so it’s REALLY easy.

Bogleheads.org – best website on the planet?

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73 Mrs. Money May 1, 2014 at 2:50 pm

We moved over to Vanguard too- such an easy process and everyone was super helpful on the phone! I love their website too; so easy to navigate!

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74 Mad Fientist May 1, 2014 at 4:24 pm

Glad you finally made the move, J$! Welcome to the club :)

P.S. Thanks for lumping me together with those other cool guys. That’s definitely a crew I’m happy to be a part of!

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75 J. Money May 5, 2014 at 4:49 pm

Looking forward to catching up over beers again, my friend :)

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76 EL @ Moneywatch101 May 1, 2014 at 8:18 pm

Welcome to the club, I’ve had them for about a decade. Let me know what funds you get and how much dividends they pay.

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77 Andrew May 1, 2014 at 10:09 pm

I’ve been a long-time fan of Vanguard, somewhat by accident. My most recent employer used Vanguard for their 401(k) offerings, and I’ve been hooked since. I’ve got my parents signed-up and continue to “spread the gospel”. #lowfees

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78 Syed May 2, 2014 at 1:17 pm

Vanguard has been great for me and it still sometimes amazes me how low their fees are compared to other companies. I will be with them for a long time and I’m sure there are many others who will also.

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79 d May 3, 2014 at 1:34 am

I stumbled my way into a Vanguard account in 2004 because someone told me to. In 2009 I started looking into early retirement and found the bogleheads. Since I was lucky to already be set up with vanguard I just posted my info and got some free (but good!) advice…from then on…I was hooked! Boglehead here!

You should read “The boglehead guide to investing” or “guide to retirement”. The books are such an easy read and really explain things in a simple way so anyone can be confident in planning their own investments.

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80 J. Money May 5, 2014 at 4:52 pm

Exactly what I need too – an easy read! I get bored easily and having A.D.H.D. doesn’t help either :) Thanks for stopping by, d.

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