Vanguard

3.8

#4 of 18 Junior Stocks & Shares ISAs #8 of 30 SIPPs #20 of 47 Stocks & Shares ISAs

Website Fees Review

Overview

Vanguard is a major investment management company offering low-cost index funds, ETFs and retirement accounts to retail and institutional investors. Known for pioneering passive investing, they operate as a mutual company owned by their funds, which are owned by their investors. This structure allows them to keep costs low whilst maintaining a client-first approach. They specialise in long-term, buy-and-hold investment strategies.

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Fi Score This is a subjective score awarded by Financial Interest based on the account or platform's offering.

Stocks & Shares ISA

3.5

SIPP

3.9

Junior Stocks & Shares ISA

4.1

Junior SIPPThis broker does not offer Junior SIPP or we have not added it to our dataset yet.

N/A

Lifetime Stocks & Shares ISAThis broker does not offer Lifetime Stocks & Shares ISA or we have not added it to our dataset yet.

N/A

Lifetime Cash ISAThis broker does not offer Lifetime Cash ISA or we have not added it to our dataset yet.

N/A

Cash ISAThis broker does not offer Cash ISA or we have not added it to our dataset yet.

N/A

Vanguard Offers

Vanguard welcome bonus

We're not aware of a welcome bonus for Vanguard at this time.

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Vanguard Fees & Review

Stocks & Shares ISA
SIPP
Junior Stocks & Shares ISA

Stocks & Shares ISA

Fi Score rankingWhere this ISA ranks compared to other ISAs based on Fi Score T20

Fi FeeOur unique calculation for comparable fees across brokers for each account type, based on the portfolio size set. Your fees may vary. £48

ISA fee notes ^{Vanguard take a flat 0.15% annual account fee with a minimum charge of £4 per month, capped at £375/year.}

Minimum account chargeThe minimum amount you need to pay for this Stocks & Shares ISA, excluding account fee reductions or discounts. £48

FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). N/A

In-specie transfersDoes the broker support the transfer of investments? Yes

^ETFs

Account fee on ETFsThe account fee you'll pay when investing in ETFs. 0.15%

ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. £375 per year

ETF trading feeThe amount you'll pay to invest in an ETF in this ISA, excluding trading volume discounts. £0

ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. £0

^{Mutual funds}

Account fee on fundsThe account fee you'll pay when investing in mutual funds. 0.15%

Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. £375

Fund trading feeThe amount you'll pay to invest in a mutual fund in this ISA, excluding trading volume discounts. £0

Fund regular investing feeThe amount you'll pay to invest in mutual funds when using an ongoing regular investment. £0

^Shares

Share trading feeThe amount you'll pay to invest in company shares, excluding trading volume discounts. N/A

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The Vanguard Stocks & Shares ISA allows investors to choose their own investments in ETFs, mutual funds, and money market funds, offering fractional shares so investors can invest for less money – without having to buy whole units. You're also able to select pre-built portfolios or opt for a professionally-managed option. This ISA doesn't offer individual shares or commodities.

As this is a flexible ISA, you can withdraw and redeposit in the same tax year without affecting your annual ISA limit.

Uninvested cash held within the account can earn 1.95% (AER) interest, though should not be used as an alternative to a bank because it is an investment product.

In-specie transfers are supported, meaning you can transfer your portfolio from another investment platform – or to another platform – as long as the same assets are available on both.

Vanguard ranks joint-24th by Fi Fee for small investors (£10,000 portfolios), and they drop down to 27th for large portfolios (balances of £500,000). To invest, you’ll need a minimum lump sum deposit of £500 or an ongoing monthly investment of at least £100.

Vanguard take a flat 0.15% annual account fee with a minimum charge of £4 per month, capped at £375/year.

SIPP

Fi Score rankingWhere this SIPP ranks compared to other personal pensions based on Fi Score 8

Fi FeeOur unique calculation for comparable fees across brokers for each account type, based on the portfolio size set. Your fees may vary. £48

SIPP fee notes ^{The Vanguard SIPP has a £4/month minimum for portfolios under £32k, otherwise it's 0.15% if you pick your own funds (fees capped at £375/year). There's no commissions to buy or sell funds and ETFs, unless you want to trade an ETF at the live price, which costs £7.50. A managed SIPP from Vanguard costs the standard 0.15% platform fee plus a 0.3% management fee. You can invest in fractional shares of funds but not of ETFs.}

Minimum account chargeThe minimum amount you need to pay for this SIPP, excluding account fee reductions or discounts. £48

FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). N/A

In-specie transfersDoes this SIPP support the transfer of investments? Yes

^ETFs

Account fee on ETFsThe account fee you'll pay when investing in ETFs. 0.15%

ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. £375 per year

ETF trading feeThe amount you'll pay to invest in an ETF in this SIPP, excluding trading volume discounts. £0

ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. N/A

^{Mutual funds}

Account fee on fundsThe account fee you'll pay when investing in mutual funds. 0.15%

Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. £375

Fund trading feeThe amount you'll pay to invest in a mutual fund in this SIPP, excluding trading volume discounts. £0

^Shares

Share trading feeThe amount you'll pay to invest in company shares in this SIPP, excluding trading volume discounts. N/A

^{SIPP features}

Employer contributionsDoes this SIPP allow contributions from your employer? No

Director depositsDoes this SIPP allow company directors to deposit company funds? Yes

DrawdownDoes this SIPP support drawdown? Yes

Vanguard's SIPP provides access to DIY investing (you can choose your own investments), ready-made portfolios, and professionally-managed portfolios. You can invest into ETFs (exchange-traded funds), mutual funds, and MMFs (money market funds). This SIPP doesn't offer stocks and shares or commodities.

Investors can transfer their investments in-specie, meaning their portfolio can be moved to or from another platform without being converted to cash first.

Fractional shares are supported, meaning it's possible to invest every penny you deposit.

When it comes to a pension offering, this SIPP covers some (but not all) of the major things the average person would be looking for: drawdown is supported (you can start withdrawing your pension in retirement) and company directors can deposit via their business, but employers can't make contributions to their employee’s SIPP.

Vanguard's SIPP ranks 18th by Fi Fee for small investors, but fares slightly better at 16th for large portfolios.

The Vanguard SIPP has a £4/month minimum for portfolios under £32k, otherwise it's 0.15% if you pick your own funds (fees capped at £375/year). There's no commissions to buy or sell funds and ETFs, unless you want to trade an ETF at the live price, which costs £7.50. A managed SIPP from Vanguard costs the standard 0.15% platform fee plus a 0.3% management fee. You can invest in fractional shares of funds but not of ETFs.

Junior Stocks & Shares ISA

Fi Score rankingWhere does this account rank compared to other Junior Stocks & Shares ISAs on Financial Interest? 4

Fi FeeOur unique calculation for comparable fees across brokers for each account type, based on the portfolio size set. Your fees may vary. £15

Junior ISA fee notes ^{Vanguard's JISA requires an initial £500 lump sum or a £100 monthly investment. There are no commissions to buy or sell funds and ETFs (unless you want the live ETF price, which costs £7.50). You can buy fractional shares of the funds but not of the ETFs.}

ETF trading feeThe amount you'll pay to invest in an ETF in this ISA. £0

Fund trading feeThe amount you'll pay to invest in a mutual fund in this ISA. £0

Share trading feeThe amount you'll pay to invest in company shares. N/A

Junior ISA account feesThe account fees you'll pay when investing inside a Junior ISA. 0.15% (Capped at £375/year)

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