Open a joint account or an individual account

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Saving for something other than retirement or college? You can set up an account with shared ownership or create one in your name alone. And you can invest in any ETF exchange-traded fund for the price of 1 share, which will vary throughout the day.

Other companies' funds may have different minimums, so be sure to check their prospectuses. And like ETFs, minimums for individual stocks, certificates of deposit CDsand bonds are based on their current market prices. Your investment earnings—the money your money makes—will likely be taxed at the federal, state, and sometimes local levels.

The tax rate depends largely on your income and how long you hold the investment. Trying to find the fastest road to riches could put your hard-earned savings at risk just as quickly. Particularly when making a shorter-term investment—less than 7—10 years, for example—you'll want to choose the combination of bonds and stocks that strikes the right balance between risk and reward.

Some investments have obvious costs—like trading commissions and service fees. But keep a keen eye on expense ratios too. While they don't show up on your statement as a debit, they can take a serious bite out of your savings.

It's easy to open joint accounts and individual accounts online, and it takes just a few minutes. You can choose an individual account in your name only or a joint account with multiple equal ownersor you can open other types of taxable accounts.

You'll also be asked to provide your name, the name of any joint account owners, or the name of your organization, along with:. You can also complement your portfolio with funds and ETFs from hundreds of other companies, as well as individual stocks, CDs, and bonds. If it's coming from your bank, provide your bank account and routing numbers for an electronic transfer or your bank name and wire date for a wire transfer.

You can either electronically sign your application or print, sign, and mail the form to us. Once your account is set up, there are a few things you can do to control your costs and make your investments easier to manage. The annual operating expenses of a mutual fund or ETF exchange-traded fundexpressed as a percentage of the fund's average net assets. It's calculated annually and removed from the fund's earnings before they're distributed to investors, directly reducing investors' returns.

An expense ratio includes management, administrative, marketing, and distribution fees. It doesn't include trading or sales commissions, loads, or purchase or redemption fees. Guardian accountswhich are administered by a court-appointed guardian or conservator.

Trust accountswhich hold assets held in a personal or retirement trust. This includes trusts created by a will. Estate and other organization accountswhich are owned by an entity versus an individual person. This includes accounts held by corporations, partnerships, professional associations, endowments, foundations, and other organizations. Details are provided in each fund profile. Industry average expense ratio: All averages are asset-weighted.

Industry averages exclude Vanguard. Vanguard and Morningstar, Inc. You must buy and sell Vanguard ETF Shares through Vanguard Brokerage Services we offer them commission-free or through another broker which may charge commissions.

See the Vanguard Brokerage Services commission and fee schedules for limits. Vanguard ETF Shares are not redeemable directly with the issuing fund other than in very large aggregations worth millions of dollars.

ETFs are subject to market volatility. When buying or selling an ETF, you will pay or receive the current market price, which may be more or less than net asset value. Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year the target date when an investor in the fund would retire and leave the workforce.

The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date. All investing is subject to risk, including the possible loss of the money you invest.

Tax rates will vary based on the individual and on changing tax rates. You may wish to consult a tax advisor about your situation. Your use of this site signifies that you accept our terms and conditions of use Open a new browser window. Skip to main content. Search the site or get a quote.

Open a joint account or an individual account Saving for something other than retirement or college? Take advantage of opportunities to grow that money until you need it. Find details in each fund's profile. You could shrink that tax bill by choosing tax-efficient investments. Learn how to become a tax-savvy investor. Expectations for investment returns. See the difference low costs can make.

You'll also be asked to provide your name, the name of any joint account owners, or the name of your organization, along with: Social Security or other tax identification numbers.

Birth or incorporation dates. Employer names and addresses, as applicable. Check out all the investment products we offer. Step 3 Tell us where the money's coming from If it's coming from your bank, provide your bank account and routing numbers for an electronic transfer or your bank name and wire date for a wire transfer. If it's coming from another investment company … Find out how to begin an account transfer.

Connect your bank account to your Vanguard account. Put your savings on autopilot with automatic investments logon required. Tap into your investments with Vanguard mobile. Open your account today We're here to help Talk with an experienced investment professional. Call Monday through Friday 8 a. See how a plan makes saving for college easy.

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When you trade with us, you'll enjoy competitive commissions and fees and get unbiased service from investment professionals. Vanguard Brokerage Services may act as an agent, executing your order at cost plus a commission, or as a principal, adding markups to purchase prices or subtracting markdowns from sale prices.

When acting as a principal for a primary market issue, Vanguard Brokerage generally receives a fee concession from the issuer. Vanguard Brokerage Services gives you entry to thousands of mutual funds offered by hundreds of fund companies. We offer funds with and without transaction fees. Flagship, and Flagship Select Services Online and by phone.

Fees apply per trade—purchases, sales, or exchanges—regardless of order size. A purchase fee is added to an order's cost. A sales fee is subtracted from an order's proceeds. If you exchange shares of a fund for another fund in the same fund family and share class, the transaction fee will be paid from your money market settlement fund.

The schedule for a specific load fund may vary, perhaps significantly, from the general description shown here. Check the fund's prospectus for details. Initial and additional investments: If a trade executes over multiple days, the commission will be charged for each day on which an execution occurs.

Additional fees may apply for trades executed directly on local markets. Other fees, including dividend processing fees, may be withheld by the DTC from the amount paid by the issuer. The fee is not charged to Flagship and Flagship Select clients. Your bank may also charge a fee to receive or accept a wire. We don't charge a fee for electronic bank transfers. However, we don't charge the fee to: The number of these transactions is limited to 25 per Standard or Flagship client and per Flagship Select client, as identified by the primary Social Security number on the account.

Vanguard Brokerage reserves the right to end these offers at any time. Options are a leveraged investment and are not suitable for every investor.

Options involve risk, including the possibility that you could lose more money than you invest. A copy of this booklet is available at theocc. The booklet contains information on options issued by OCC. It is intended for educational purposes. No statement in the booklet should be construed as a recommendation to buy or sell a security or to provide investment advice.

The OIC can provide you with balanced options education and tools to assist you with your options questions and trading. Subsequent transactions are at the rates shown in the options fee schedule above. Online prices for all secondary-market bonds and CDs are before commissions. Vanguard Brokerage Services may negotiate fund minimum investment requirements that are greater than or less than the program standards noted above.

Individual fund families may impose additional minimums, fees, or charges. For complete information, read the fund prospectus carefully before investing. The offering conditions of the various funds included in the Vanguard Brokerage Services program are subject to change at any time, including, but not limited to, fee classification NTF or TF and transfer eligibility.

Subsequent transactions are at the rates shown in the fee schedule for TF funds above. Other discounts and fee waivers from standard commissions may also be available. Please note that Vanguard Retirement Investment Program pooled plan accounts are not eligible for discounts from standard commissions and fees. Additional information regarding discount eligibility is available here. For further information, call Monday through Friday from 8 a.

A separate commission is charged for each security bought or sold. Orders that execute over multiple days are charged separate commissions. In addition, a separate commission is charged for each order placed for the same security on the same side of the market buying or selling on the same day.

Orders that are changed by the client and executed in multiple trades on the same day are charged separate commissions. These commission and fee schedules are subject to change.

Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing. You must buy and sell Vanguard ETF Shares through Vanguard Brokerage Services we offer them commission-free or through another broker who may charge commissions. Vanguard ETF Shares aren't redeemable directly with the issuing fund other than in very large aggregations worth millions of dollars.

ETFs are subject to market volatility. When buying or selling an ETF, you'll pay or receive the current market price, which may be more or less than net asset value.

All investing is subject to risk, including the possible loss of the money you invest. Investments in bonds are subject to interest rate, credit, and inflation risk. Vanguard funds not held in a brokerage account are held by The Vanguard Group, Inc.

Your use of this site signifies that you accept our terms and conditions of use Open a new browser window. Skip to main content. Search the site or get a quote. Vanguard Brokerage Services commission and fee schedules When you trade with us, you'll enjoy competitive commissions and fees and get unbiased service from investment professionals. Free 3 ; subsequent trades: Mutual funds from other companies. AMOUNT The schedule for a specific load fund may vary, perhaps significantly, from the general description shown here.

Fees for other services. Possible fees at automated teller machines not affiliated with PNC Bank. Call us for additional information. Open your account online We're here to help If you're new to Vanguard: If you're already a Vanguard client: Learn how to transfer an account to Vanguard. Start your transfer online. My Accounts Log on.