{"id":451566,"date":"2022-05-30T15:31:26","date_gmt":"2022-05-30T14:31:26","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=451566"},"modified":"2026-08-19T20:41:39","modified_gmt":"2026-08-19T19:41:39","slug":"vanguard-pension-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/pensions\/vanguard-pension-review","title":{"rendered":"Vanguard pension review"},"content":{"rendered":"<p>Originally launched in the US in 1975 with the goal of bringing low-cost investing to the masses, Vanguard opened its UK office in 2009. Since then, it\u2019s grown rapidly in the UK, and in 2020 it ventured into the pensions market with the introduction of its no-frills, low-cost SIPP.<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>With Vanguard, you can invest in a self-invested personal pension (SIPP), which is a type of personal pension.<\/li>\n          <li>You can move your personal pension to Vanguard once you\u2019ve opened an account and set up your SIPP.<\/li>\n          <li>Vanguard\u2019s SIPP is low cost and lets you invest for retirement with Vanguard index funds, exchange-traded funds (ETFs), and blended or managed funds.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3>What is Vanguard?<\/h3><p>Vanguard is an asset management company that offers low-cost investments directly to UK investors on an execution-only basis. It offers four types of account: a general investment account, a stocks and shares ISA, an Junior ISA, and a personal pension. With all four account types, you can either select investments from its range of 85 funds, or pick a <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/ready-made-investment-portfolios\">ready-made portfolio<\/a> fund put together by Vanguard experts.<\/p><h3>How does Vanguard\u2019s pension work?<\/h3><p>Vanguard offers a type of personal pension known as a self-invested personal pension (or SIPP, for short). Unlike regular <a href=\"https:\/\/www.finder.com\/uk\/pensions\/private-pension\">personal pensions<\/a>, where the pension provider manages your pension investments on your behalf, with a <a href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\">SIPP<\/a> the management of investments is down to you. This means you can choose exactly which and how much of each investment asset to buy, and when to sell them and reinvest your money in a different asset.<\/p><p>As with any workplace or personal pension, with Vanguard\u2019s SIPP you benefit from <a href=\"https:\/\/www.finder.com\/uk\/pensions\/are-pension-contributions-taxable\">tax relief on pension contributions<\/a> up to your pension annual allowance. You can add to your pension whenever you like, either on a regular basis or by paying in ad-hoc lump sums.<\/p><h3>What pension plans are available from Vanguard?<\/h3><p>With Vanguard\u2019s SIPP, you can go down one of two routes.<\/p><ol><li>You can build your own portfolio from its range of more than 85 individual Vanguard funds, including <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/exchange-traded-funds-etfs\/best-etfs\">exchange-traded funds<\/a> (ETFs), index-linked funds, and active funds.<\/li><li>Alternatively, you can choose one of Vanguard\u2019s ready-made investment <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/stock-portfolio\">portfolios<\/a>. For example, it has a range of portfolios in which the funds are selected and adjusted based on your expected retirement age, with the asset allocation becoming more conservative (and less risky) as you approach retirement age. The vast majority of assets in these portfolios are passive funds that track an index, though each portfolio may also include direct investments in shares, bonds or similar.<\/li><\/ol><h3>How do I apply for a Vanguard pension account?<\/h3><p>You must be a UK resident to open a Vanguard pension. Simply head over to Vanguard\u2019s pension page and select \u201cOpen an account\u201d. If you\u2019re a new customer you\u2019ll need your National Insurance number and bank details to hand. If you already have a different type of account with Vanguard, you can sign in and open a new pension account.<\/p><p>You\u2019ll need to pay in a \u00a3500 lump sum, or commit to paying in \u00a3100 a month.<\/p><p>Alternatively (or as well) you can open an account by <a href=\"https:\/\/www.finder.com\/uk\/pensions\/finding-transferring-and-combining-your-pensions\">transferring an existing pension<\/a> (or pensions) to Vanguard.<\/p><h3>Can I transfer another pension to Vanguard?<\/h3><p>Yes. There are a couple of reasons you might want to do this:<\/p><ol><li>Your existing pension scheme (or schemes) have higher fees than Vanguard, and you could save money by transferring them into a Vanguard pension scheme.<\/li><li>You want to consolidate multiple pension pots into a single scheme to make your pension savings easier to keep track of.<\/li><\/ol><p>You can transfer most types of pension to Vanguard, including personal pensions, <a href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\">SIPPs<\/a>, and old <a href=\"https:\/\/www.finder.com\/uk\/pensions\/workplace-pensions\">workplace pensions<\/a> that you\u2019re no longer paying into. The exception to this rule is some public pensions, which can\u2019t be transferred into a <a href=\"https:\/\/www.finder.com\/uk\/pensions\/defined-contribution-pension-schemes\">defined contribution<\/a> pension such as Vanguard\u2019s.<\/p><p>There may be some other schemes that you should think twice before transferring though, including defined benefit workplace schemes, and any schemes that have valuable benefits such as guaranteed annuity rates. If in doubt, seek regulated financial advice before transferring (in some cases this is required).<\/p><p>Look out too for any exit fees that an existing provider might charge to transfer your money to another provider.<\/p><p>To initiate the transfer, you\u2019ll need to let Vanguard know the name and address of your existing provider, your account number and the estimated pension value. All of these can be found on your latest pension statement.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 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class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: Who should consider using Vanguard?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Vanguard\u2019s SIPP offers pension holders a bit more choice and control over the specific assets their pension is invested in than they\u2019d get with a regular personal pension, but the range on offer is more limited than some SIPPs. So if you want a wider choice of more sophisticated investment options, you might want to choose an alternative SIPP provider. You can head over to our <a href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\">SIPP comparison page<\/a> to see your options.<\/p><p>On the plus side, costs are transparent and fairly low, and its ready-made portfolios could be a good option for those that like to keep things simple. So if you\u2019re after an uncomplicated, balanced portfolio to hold your pension savings, it\u2019s worth a look.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Zoe Stabler DipFA's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=600 600w\" 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28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n    <\/svg>\n  <\/div>\n\n  <div class=\"eeQuote__finderLozenge--mobile\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" role=\"img\" aria-label=\"Finder\">\n      <circle cx=\"12\" cy=\"12\" r=\"12\" fill=\"#1D53FF\"><\/circle>\n      <g transform=\"translate(3 6.24) scale(0.0573)\">\n        <path d=\"M212.32 190.62a90.38 90.38 0 0 1-54.42-18.24c-15.63 11.79-34.77 18.24-54.42 18.24-49.84 0-90.39-40.55-90.39-90.39V9.83h199.24c49.84 0 90.39 40.55 90.39 90.39s-40.55 90.39-90.39 90.39Z\" fill=\"#fff\"><\/path>\n        <path d=\"M212.32 15.9c46.57 0 84.33 37.75 84.33 84.33 0 46.57-37.75 84.33-84.33 84.33-20.75 0-39.74-7.51-54.42-19.94-14.69 12.43-33.68 19.94-54.42 19.94-46.57 0-84.33-37.75-84.33-84.33V15.9h193.18m-.01-12.14H7.01v96.46c0 53.19 43.27 96.46 96.46 96.46 19.47 0 38.46-5.92 54.43-16.84 15.96 10.91 34.95 16.84 54.42 16.84 53.19 0 96.46-43.27 96.46-96.46S265.51 3.76 212.32 3.76\" fill=\"#232021\"><\/path>\n        <path d=\"M216.34 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93ZM105.92 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                                    <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/zoestabler\" itemprop=\"url\" target=\"_blank\">\n                                Zoe Stabler DipFA\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Senior writer<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>What fees does Vanguard charge?<\/h3><p>Every pension provider charges fees for its services, and Vanguard\u2019s are more straightforward than many. If you open a pension with Vanguard, you\u2019ll pay two types of fee.<\/p><ol><li><strong>An account fee<\/strong>, payable directly to Vanguard for the administration of your account, including the cost of running its online service. Account fees vary by the amount you invest, for accounts with \u00a332,000 or more, fees are set at 0.15% of the value of your account, capped at \u00a3375 a year. Accounts under \u00a332,000 pay a flat fee of \u00a34 a month.<\/li><li><strong>Fund management costs<\/strong> to cover things like transaction costs for buying and selling assets, plus the day-to-day cost of managing each fund. These vary depending on the make-up of your portfolio and how often assets are bought and sold, but Vanguard says fund management costs are 0.2% on average.<\/li><\/ol><p>Vanguard doesn\u2019t charge fees for transferring pensions to or from it, switching funds, withdrawing money when the time comes, or closing your account.<\/p><h3>Vanguard customer reviews<\/h3><p>You can read reviews of Vanguard\u2019s overall service as an asset manager (rather than just for its pensions) on the Trustpilot website.<\/p><p>Overall, its customers have a pretty good opinion of Vanguard. It\u2019s got an overall score of 4.8 out of 5, and 74% of its 5,200+ reviewers rate it as excellent. Positive highlights include ease of set up and management, the simplicity of its platform, and its excellent service.<\/p><p>On the flip side, 11% of reviewers rated Vanguard as bad. Reasons for this were mixed, though some had problems with customer support. Others were frustrated by poor performance of their investments, though this is not necessarily within Vanguard\u2019s direct control as all investments are subject to market volatility and may take a knock regardless of your provider in turbulent times.<\/p><p>Vanguard has a good track record of replying to 97% of negative reviews, which is usually a sign of a company that wants to do the right thing.<\/p><h3>Does Vanguard have an app?<\/h3><p>Yes. Vanguard has an app for US and UK investors that\u2019s available on the Apps store and on Google Play.<\/p><h3>Pros and cons of Vanguard<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Low account fees. Vanguard charges just 0.15%, capped at \u00a3375 a year<\/li>\n                                    <li>No set-up, exit or drawdown fees<\/li>\n                                    <li>Ready-made portfolios keep things simple for those that want this, but there is flexibility to choose your own funds if you wish.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Relatively high minimum investment compared with some other SIPP providers<\/li>\n                                    <li>You can only choose your portfolio from 85 of Vanguard's own funds; other SIPP providers have much wider choice.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>If keeping costs down is a priority and you don\u2019t need access to a wide range of sophisticated investments or lots of bells and whistles, Vanguard could be worth a look. You can transfer pensions in from other providers if you want to and, for when you retire, it also offers a pension drawdown service for no additional cost to investors. Check how it compares to other pension providers in our <a href=\"https:\/\/www.finder.com\/uk\/pensions#compare\">pension comparison<\/a>.<\/p><h3>Frequently asked questions<\/h3><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\">Can I add an existing 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=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> Yes. Subject to the pension provider\u2019s own rules, you usually can transfer any <a href=\"https:\/\/www.finder.com\/uk\/pensions\/defined-contribution-pension-schemes\">defined contribution pensio<\/a>n scheme to Vanguard, and many defined benefit <a href=\"https:\/\/www.finder.com\/uk\/pensions\/workplace-pensions\">workplace pensions<\/a> too. There may be restrictions on some schemes, or you may be required to take financial advice before transferring. And watch out for any exit fees on older schemes. <\/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\">Is there a minimum contribution level to open a Vanguard pension scheme?<\/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\"> Yes. To open a Vanguard pension, you either need to invest an initial lump sum of \u00a3500, or commit to paying in \u00a3100 a month. <\/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\">Is my pension safe with 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=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> As with any type of investment, your capital at risk because the value of investments can go down as well as up \u2013 though the idea of a pension is that, over many years, any short term volatility will be smoothed out and your money will grow. But Vanguard is authorised and regulated by the Financial Conduct Authority, so your money is as safe as with any other regulated investment firm. Vanguard is also covered by the UK <a href=\"https:\/\/www.fscs.org.uk\/\" target=\"_blank\" rel=\"noopener\">Financial Services Compensation Scheme<\/a> (FSCS). This means that, should Vanguard go bust, you should be able to claim compensation for any pension savings that are lost up to a maximum of \u00a385,000. <\/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\">What if I have a complaint about 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=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> If you\u2019re not happy with Vanguard for any reason \u2013 whether that\u2019s poor customer service, or you think that it has not invested your money in accordance with your stated preferences \u2013 you should complain directly to it. If you\u2019re not happy with its response, after 8 weeks you can escalate your complaint to the <a href=\"https:\/\/www.financial-ombudsman.org.uk\/\" target=\"_blank\" rel=\"noopener\">Financial Ombudsman Service<\/a>. <\/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\">Can I use my Vanguard account to withdraw my pension when I retire?<\/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\"> Yes. When you decide to start taking your pension, typically from age 55, you can move your money into a Vanguard drawdown account and take out income as and when you need it. Vanguard doesn\u2019t charge anything extra to use this service; just the same 0.15% annual fee and fund charges you were paying previously.<\/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 financial 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=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> As standard, Vanguard operates on an execution-only basis rather than making personal recommendations. That means you make the decisions about what to invest your pension funds in, and bear the risk of making a poor decision (provided that Vanguard invests your money in line with your instructions).<p>Bear in mind Vanguard will only be able to advise on its own investment products and services.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply. Keep in mind that the tax treatment of your pension and investments will depend on your individual circumstances and may change in the future. Capital at risk.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. 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In other cases, Finder has sourced data directly from providers.<\/div><\/article><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>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Should you trust Vanguard with your retirement savings? 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