{"id":293164,"date":"2020-03-11T14:40:48","date_gmt":"2020-03-11T14:40:48","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=293164"},"modified":"2026-03-25T17:09:24","modified_gmt":"2026-03-25T17:09:24","slug":"vanguard","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/vanguard","title":{"rendered":"Vanguard UK review"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; }\n#user-review-promo-rating-stars span.luna-stars:hover~span::after { width: 100%; }\n#user-review-promo-user, #user-review-promo-review, #user-review-promo-btn,\n#user-review-promo-members { display: none; transition: 1s all; opacity: 0; }\n#user-review-promo-close { font-size: 1.5em; text-align: right; padding-right: 0.5em; }\n#user-review-promo-close:hover { cursor: pointer; }\n#user-review-promo-core { display: none; }\n.lds-facebook { display: inline-block; position: relative; width: 80px; height: 80px; }\n.lds-facebook div { display: inline-block; position: absolute; left: 8px; width: 16px; background: #2ea8ff; animation: lds-facebook 1s cubic-bezier(0, 0.5, 0.5, 1) infinite; }\n.lds-facebook div:nth-child(1) { left: 8px; 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min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.vanguardinvestor.co.uk\/\" class=\"luna-button luna-button--primary\">Return to Vanguard<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><h2 id=\"section_heading_a13bc76231\" class=\"section-heading\">\n            How we rated Vanguard's investment features\n    <\/h2>\n<table id=\"best\" class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Feature<\/th><th scope=\"col\">Rating<\/th><th scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Vanguard offers decent value and is cheap across the board.<\/td><\/tr><tr><th scope=\"row\">Investment choice<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>It\u2019s quite restrictive and limited in options, with only Vanguard funds available.<\/td><\/tr><tr><th scope=\"row\">Safety and security<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Vanguard offers a secure and safe place for people to invest with a strong brand.<\/td><\/tr><tr><th scope=\"row\">Account types and products<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.2<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>There\u2019s a solid range of account options on offer for no additional cost.<\/td><\/tr><tr><th scope=\"row\">Ease of use<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.6<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Vanguard doesn\u2019t offer the same in-depth experience as other leading platforms but it ticks most boxes.<\/td><\/tr><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.7<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>There are some resources available but not much, simplicity is prioritised.<\/td><\/tr><\/tbody><\/table><p>Vanguard straddles the line somewhere between DIY investing platform and robo-advisor. That\u2019s because you can choose to pick individual funds yourself, opt for pre-packaged funds (made out of multiple funds) or get matched with a <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/ready-made-investment-portfolios\">ready-made portfolio<\/a> based on your goals and risk appetite. <\/p><p>Excuse the pun(s), but it\u2019s the flagship brand when it comes to <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/how-to-invest-in-index-funds\">index fund<\/a> investing and if passive investments float your boat, you\u2019ve probably heard of Vanguard before. <\/p><h3>What is Vanguard?<\/h3><p>Vanguard is an investment platform with 50 million investors worldwide. It has over 85 funds to choose from, covering stocks and bonds. <\/p><p>Founder of Vanguard, Jack Bogle, essentially created the concept of passive index funds. 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id=\"clip0_5290_9827\">\n          <rect width=\"18\" height=\"11.3684\" fill=\"white\" transform=\"translate(3 6.3158)\"><\/rect>\n        <\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Hands-on test: I tried out Vanguard's investing app<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Vanguard may not be the slickest operator, but it\u2019s not the clunkiest to use either. Recently adding an investing app has helped drag Vanguard into the modern age, but much like the desktop platform \u2013 it\u2019s pretty basic. If you want an all-singing, all-dancing app, this platform may not be for you. But, if you like to keep your investment portfolio interactions simple, Vanguad is pretty straightforward. You can manage all your accounts in one spot, which is really helpful if you happen to hold multiple accounts like a stocks and shares ISA and perhaps a self-invested personal pension (SIPP) on there.<\/p><p>Packed with exciting insights and thrills Vanguard is not. Instead of a daring action movie, Vanguard is more like a 3 hour period drama. But if you\u2019re sold on the idea that investing should be boring, and your plan is to passively invest in a selection of Vanguard funds, then you can\u2019t go wrong with its solid and functional approach of facilitating that style with the dekstop platform and new mobile app.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/georgesweeney\" itemprop=\"url\" target=\"_blank\">\n                        George Sweeney, DipFA\n                                            <\/a>\n                                                    <div class=\"eeQuote__authorTitle\">Deputy editor<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h2 id=\"section_heading_173f06545f\" class=\"section-heading\">\n            Vanguard fees\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Platform fee<\/th><td><b>DIY portfolios<\/b> 0.15% (capped at \u00a3375 per year)<br><b>Managed portfolios<\/b> 0.3% (plus 0.15% platform fee)<\/td><\/tr><tr><th scope=\"row\">UK shares<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">US stocks<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">International shares<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">Funds\/ETFs<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">Foreign exchange (FX) fee<\/th><td>0%<\/td><\/tr><tr><th scope=\"row\">Regular investing<\/th><td>Yes (from \u00a3100\/month)<\/td><\/tr><tr><th scope=\"row\">Withdrawal\/deposit fee<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">Inactivity fee<\/th><td>\u00a30<\/td><\/tr><\/tbody><\/table><p>Low fees and providing value to investors is Vanguard\u2019s whole schtick. Part of the reason it\u2019s such a popular platform is because of the low fees, both to hold an account with Vanguard and the ongoing costs for its funds. <\/p><p>It doesn\u2019t cost you anything to open an account with Vanguard and there\u2019s no additional fee to use one of the tax-efficient wrappers. If you build your own portfolio of funds, there\u2019s a 0.15% annual fee (based on the size of your portfolio and capped at \u00a3375 per year).<\/p><p>There\u2019s no commission to buy or sell funds on Vanguard, however there will be some form of ongoing fee attached to funds which can vary depending on the type of fund and the complexity of assets held. <\/p><p>If you decide you want to use the managed ready-made portfolios with your <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares ISA<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\">self-invested personal pension (SIPP)<\/a>, you\u2019ll pay an additional 0.3% on top of the standard 0.15% platform fee. <\/p><p>The only other fund fee to watch out for is the \u00a37.50 \u201cquote and deal\u201d service if you want to buy or sell an <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/exchange-traded-funds-etfs\">exchange-traded fund (ETF)<\/a> at its live price. This means if you want to trade Vanguard ETFs at live prices, you\u2019re probably better off using a cheap or commission-free platform rather than going direct through Vanguard.<\/p><h2 id=\"section_heading_232df43981\" class=\"section-heading\">\n            Vanguard investment choice and stocks\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Investment choice score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Asset options<\/th><td>3+<\/td><\/tr><tr><th scope=\"row\">Markets<\/th><td>4+<\/td><\/tr><tr><th scope=\"row\">Number of investments<\/th><td>85+<\/td><\/tr><tr><th scope=\"row\">Number of ETFs\/funds<\/th><td>85+<\/td><\/tr><tr><th scope=\"row\">Fractional shares<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Minimum deposit<\/th><td>\u00a3500 lump sum (or \u00a3100\/month)<\/td><\/tr><tr><th scope=\"row\">Minimum investment<\/th><td>\u00a31 (after initial investment)<\/td><\/tr><\/tbody><\/table><p>With Vanguard, you can only invest in funds created and run by Vanguard, no other brand of funds are available. <\/p><p>Also, a key downside is that there\u2019s no individual stocks or other assets available outside of index funds, <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/exchange-traded-funds-etfs\/how-to-invest-in-etfs\">ETFs<\/a> and ready-made portfolios (made up of, you guessed it, funds).<\/p><p>You\u2019re probably sick of hearing the word \u201cfunds\u201d by now. Well, if that is the case, Vanguard might grind your gears. But if fund investing is your cup of tea, Vanguard is one of the best places to put your money to work. <\/p><p>On most platforms, Vanguard\u2019s ETFs and funds are regularly the most popular amongst investors and a big reason for that is the low ongoing fees attached.<\/p><p>You do need a \u00a3500 lump sum to kick things off, or a regular monthly investment of \u00a3100. But once you\u2019re set up and the ball is rolling, you can make one-off investments with just \u00a31 for a <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/fractional-shares\">fractional share<\/a> of a fund, or drop your monthly investment down to \u00a325. <\/p><h2 id=\"section_heading_35ffe09307\" class=\"section-heading\">\n            Is Vanguard safe and legit?\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Safety and security score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Biometric login\/2FA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FCA regulated<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FSCS protection<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">SSL certificate<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Public company<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Vanguard is regulated by the Financial Conduct Authority (FCA). It also comes with <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme (FSCS)<\/a> protection. So your deposits of up to \u00a3120,000 are covered should Vanguard go bust.<\/p><p>Keep in mind that the FSCS protection doesn\u2019t cover the value of your investments dropping. Vanguard is also a highly reputable brand with over $7 trillion (around \u00a35.5 trillion) in assets under management.<\/p><p>Although as always when you invest, <a href=\"https:\/\/www.finder.com\/uk\/investment-risk\">your capital is at risk<\/a>.<\/p><h2 id=\"section_heading_e126a14ae5\" class=\"section-heading\">\n            Vanguard account types and products\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Account types and products score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.2<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">General investment account (GIA)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Stock and shares ISA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Self-invested personal pension (SIPP)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Lifetime ISA (LISA)<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Junior ISA (JISA)\/Junior SIPP (JSIPP)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Business Account<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Interest on cash balances<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Vanguard shines when it comes to the account types and products available. It offers a wide range of accounts and tax wrappers for no additional charge. All accounts come with the same, simple pricing structure to keep things straightforward.<\/p><p>With Vanguard you can choose from:<\/p><ul><li><b>Stocks and shares ISA<\/b>. Invest up to your annual allowance (\u00a320,000 for the 2023\/2024 tax year) without paying any tax on your profits.<\/li><li><b>Junior ISA (JISA)<\/b>. Invest in your child\u2019s future up to the JISA allowance for the year (\u00a39,000 for the 2023\/2024 tax year)<\/li><li><b>General investment account (GIA)<\/b>. Invest without any limits; good for those who have used up their ISA allowance for the year.<\/li><li><b>Self-invested personal pension (SIPP)<\/b>. Invest in your retirement and benefit from tax relief on your contributions.<\/li><\/ul><h3>Vanguard stocks and shares ISA<\/h3><p>A <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares ISA<\/a> is typically a good place to start if you\u2019re new to investing as there are tax benefits that you don\u2019t get with general investment accounts. All investments up to \u00a320,000 in the 2023\/2024 tax year are tax-free.<\/p><ul><li>Choose which funds go into your stocks and shares ISA from 85 options or go with the ready-made fund portfolios.<\/li><li>If you\u2019re not sure what to invest in, you can pay an extra 0.3% fee to choose from one of 5 managed portfolios.<\/li><li>No charges to switch holdings, deal, make payments or exit.<\/li><li>Flexible stocks and shares ISA.<\/li><\/ul><h3>Junior ISA<\/h3><p>The <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/junior-stocks-and-shares-isas\">junior ISA (JISA)<\/a> allows you to invest in your children\u2019s future. You can invest \u00a3100 per month or transfer an existing junior ISA over to Vanguard.<\/p><ul><li>You can invest up to \u00a39,000 in the 2023\/2024 tax year tax-free.<\/li><li>While only a parent or legal guardian can set it up, friends and family can contribute money to the ISA \u2013 great for those over-enthusiastic aunties or grandparents.<\/li><li>The child will get full access when they turn 18.<\/li><li>Choose a ready-made portfolio or build it yourself.<\/li><\/ul><h3>Vanguard general investment account<\/h3><p>The general investment account is a good option if you\u2019ve used up your ISA allowance for the year or have paid into ISAs elsewhere within the current tax year. There isn\u2019t a limit to how much you can invest in a general investment account but your profits are taxable.<\/p><ul><li>Choose which funds go into your general investment account. You can choose a ready-made portfolio or DIY it.<\/li><li>Any profit you make over \u00a36,000 in each tax year is taxable.<\/li><\/ul><h3>Self-invested personal pension (SIPP)<\/h3><p>Vanguard\u2019s <a href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\">SIPP<\/a> allows you to save for retirement. You can choose to invest \u00a3100 per month, start with a \u00a3500 lump sum or transfer pensions that you already have with other providers.<\/p><ul><li>You can choose from over 85 funds including the ready-made portfolios designed specifically for retirement \u2013 we explore these below.<\/li><li>As with all <a href=\"https:\/\/www.finder.com\/uk\/pensions\">pensions<\/a>, there are tax benefits such as tax relief on your contributions.<\/li><li>Enjoy the savings when you are 55 years old (rising to 57 in 2028).<\/li><\/ul><h3>Ways to invest with Vanguard<\/h3><p>With Vanguard, you have a choice between ready-made portfolios and building your own portfolios.<\/p><p><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg> Ready-made portfolios. These are off-the-shelf portfolios, managed by Vanguard experts.<br><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg> DIY portfolios. Choose between 85 funds and build a portfolio yourself.<br><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg> Managed portfolios. Available with the SIPP or investment ISA, get matched with one of 5 portfolios.<\/p><h4>Vanguard LifeStrategy and Target Retirement funds<\/h4><p>Vanguard\u2019s 2 key ready-made options are:<\/p><ol><li><b>LifeStrategy<\/b>. There are 5 options to choose from, with a portfolio split between bonds and stocks.<\/li><li><b>Target Retirement<\/b>. There are 11 options to choose from, you select a target retirement date and get a portfolio split between bonds and stocks based on your timeframe.<\/li><\/ol><p><b>LifeStrategy<\/b><\/p><p>You can choose to have one of the following portfolio allocations:<\/p><ul><li><b>LifeStrategy 20% equity<\/b>. Made up of 20% stocks and 80% bonds<\/li><li><b>LifeStrategy 40% equity<\/b>. Made up of 40% stocks and 60% bonds<\/li><li><b>LifeStrategy 60% equity<\/b>. Made up of 60% stocks and 40% bonds<\/li><li><b>LifeStrategy 80% equity<\/b>. Made up of 80% stocks and 20% bonds<\/li><li><b>LifeStrategy 100% equity<\/b>. Made up of 100% stocks<\/li><\/ul><p><b>Target Retirement<\/b><\/p><p>These funds are organised slightly differently because the allocation is based on your chosen retirement date but it essentially just means a varied allocation between stocks and bonds with slightly more nuance and ranging from 2015 to 2065 in 5 year increments. <\/p><h2 id=\"section_heading_33547b05c7\" class=\"section-heading\">\n            Vanguard ease of use\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Ease of use score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.6<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Apple iOS rating<\/th><td>4.4<\/td><\/tr><tr><th scope=\"row\">Google Play rating<\/th><td>3.7<\/td><\/tr><tr><th scope=\"row\">Ways to contact customer service<\/th><td>Secure message, email, phone, chatbot<\/td><\/tr><tr><th scope=\"row\">UI\/UX<\/th><td>Good<\/td><\/tr><tr><th scope=\"row\">Desktop or mobile app<\/th><td>Both<\/td><\/tr><\/tbody><\/table><p>Vanguard scored so-so in our ease of use assessment, it doesn\u2019t offer the same kind of features and user experience that most modern platforms have, but it did recently add a long-awaited mobile app. The mobile app is pretty basic in terms of functionality (but so is the Vanguard desktop platform). The only key limitation with the mobile app compared to the desktop platform right now is that you can\u2019t buy ETFs on mobile just yet. <\/p><p>There are a few ways to get hold of the customer support team, which is great. And if you opt to pay more for one of the managed portfolio options, you also get the chance to ring up and ask a person about your investment strategy or questions about your portfolio \u2013 a nice touch. <\/p><h2 id=\"section_heading_bb51fb23a9\" class=\"section-heading\">\n            Vanguard tools, resources and features\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.7<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Analysis features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Tools for investing\/trading<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Social features<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Learning resources<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Additional Features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Vanguard doesn\u2019t offer a lot in this department. The whole concept behind the platform is simplicity and so you won\u2019t find a great deal of tools or resources here.<\/p><p>If you want in-depth stock analysis or tools for investing, you should probably check out a share trading platform that offers more. <\/p><p>Whereas if you\u2019re someone who likes things straightforward and to the point, and you\u2019re happy to do your investing research elsewhere \u2013 the lack of features may not bother you.<\/p>\n        \n            <h3>What do customers say about Vanguard?<\/h3>\n        <p>93% of customers we <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-trading-apps#customer-satisfaction\">surveyed<\/a> in 2026 would recommend Vanguard to a friend.<\/p>\n        <p>It commands immense respect for its long-term, reliable investment approach. Customers consistently praise the platform's security, low fees, and what many describe as the best customer service they have ever experienced.<\/p>\n<p>It is the go-to choice for straightforward, \"set-and-forget\" investing. The only recurring feedback is that while the fees are generally low, some users feel trading costs could be slightly more competitive compared to newer, digital-only platforms.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n                                        \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Who might Vanguard suit?<\/h3><p>This platform is going to be best-suited for those who want a simple and effective way to invest in Vanguard funds. Investors who don\u2019t mind not having access to a fancy app or investment funds from other companies will find plenty of value here.<\/p><p>If that\u2019s not you, why not <a href=\"https:\/\/www.finder.com\/uk\/share-trading\">compare share trading platforms<\/a> to find the right fit to match your style.<\/p><h2 id=\"section_heading_af90cef809\" class=\"section-heading\">\n            Frequently asked questions\n    <\/h2>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How much can I start with?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can start investing from \u00a3100 per month. You can also start with a \u00a3500 lump sum.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I withdraw my money?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This will depend on whether the money you plan to withdraw is invested. If it\u2019s not, you can withdraw it on your portfolio page. Select \u201cMoney out\u201d, then choose \u201cWithdraw cash\u201d.<br>If it\u2019s invested, you need to select \u201cSell\u201d from the \u201cPortfolio options\u201d menu on the Secure Account page.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Does Vanguard offer advice?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>On the best coffee shop in London? If you ask nicely, maybe. Financial or investment advice? No. Vanguard is not authorised to give investment or financial advice.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Does Vanguard offer a junior SIPP?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No, this is not a product that Vanguard offers at the moment.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Does Vanguard provide a tax statement?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Vanguard can provide an annual tax statement and a summary of your investments. This can help you fill out your tax return for investments that aren\u2019t in an ISA.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Does Vanguard offer annuities?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No, Vanguard does not offer <a href=\"https:\/\/www.finder.com\/uk\/pensions\/what-are-annuities\">annuities<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Can I transfer my ISA to Vanguard?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Vanguard does offer a transfer service for ISAs \u2013 get in touch with Vanguard to find out more.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Can I transfer my pension to Vanguard?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Vanguard can receive transfers from other UK registered pension schemes.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Is Vanguard good for beginners?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yep, Vanguard is a good provider for beginners. It has a series of ready-made portfolios for beginners to choose between, and if you decide later that you want to try making your own portfolio, you can do that too.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>\n\n\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_199397907\" data-toggle=\"collapse\" data-target=\"#sources_199397907\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_199397907\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/uk\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/uk\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.morningstar.com\/asset-management-companies\/vanguard-BN00000AAL\" target=\"_blank\">Morningstar<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Find out what we thought of Vanguard&#8217;s stocks and shares ISA, what its pros and cons are, and the fees and charges for this low-cost investment option.<\/p>\n","protected":false},"author":1273,"featured_media":293280,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[130087],"tags":[],"asset_tag":[],"class_list":["post-293164","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-share-trading-reviews"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Vanguard UK review | Is Vanguard any good? - Finder UK<\/title>\n<meta name=\"description\" content=\"Find out what we thought of Vanguard, what its pros and cons are, and the fees you&#039;ll be charged for this low-cost investment option.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/vanguard\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vanguard UK review\" \/>\n<meta property=\"og:description\" content=\"Find out what we thought of Vanguard, what its pros and cons are, and the fees you&#039;ll be charged for this low-cost investment option.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/vanguard\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2020-03-11T14:40:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/03\/vanguard_logo_Featured-Image-250x250-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"George Sweeney, DipFA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/GeorgeSWrites\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Sweeney, DipFA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/vanguard#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/vanguard\"},\"author\":{\"name\":\"George Sweeney, DipFA\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/86a172cdec1fb3d49abd125556776f35\"},\"headline\":\"Vanguard UK review\",\"datePublished\":\"2020-03-11T14:40:48+00:00\",\"dateModified\":\"2026-03-25T17:09:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/vanguard\"},\"wordCount\":2737,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/vanguard#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/03\/vanguard_logo_Featured-Image-250x250-1.jpg\",\"articleSection\":[\"Share trading reviews\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/vanguard#respond\"]}],\"copyrightYear\":\"2020\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Morningstar\",\"url\":\"https:\/\/www.morningstar.com\/asset-management-companies\/vanguard-BN00000AAL\"}],\"contributor\":[{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/86a172cdec1fb3d49abd125556776f35\"}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/vanguard\",\"url\":\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/vanguard\",\"name\":\"Vanguard UK review | Is Vanguard any good? 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