Vanguard Review: A great low-cost investment platform but not for everyone

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Vanguard launched in the UK in 2017 with the aim of changing the way Britain invests. And with its low fees and unique selection of investment funds, it has had quite a bit of success since its launch, attracting over half a million customers.

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Vanguard Expert Review

In this review, we look at what Vanguard offers for UK investors in terms of accounts and investment options, its level of fees, its minimum investment, and more. Whether you’re an experienced investor or just starting out, this review should help you decide if Vanguard UK is the right platform for your investment portfolio.

Vanguard Review

Name: Vanguard

Description: Vanguard is one of the world’s largest providers of investment funds. Founded in 1975, the firm has over 50 million clients and more than $9 trillion in assets under management today. Vanguard is famous for pioneering the concept of index investing. This is an approach to investing that involves passively tracking the performance of stock market indexes such as the FTSE 100 and the S&P 500, instead of trying to actively beat the market by picking individual stocks. One thing that’s unique about Vanguard is that it’s owned by the funds managed by the company (and therefore its own customers). This structure helps the firm keep fees low and prioritise strong long-term returns for investors.

What does Vanguard offer for UK investors?

The Vanguard UK platform offers investors a lot of options. In terms of accounts, you can choose to invest within:

  • A Stocks and Shares ISA
  • A Personal Pension
  • A Junior ISA
  • A General Account

As for the investments available on the platform, one can invest in:

  • Index funds
  • Actively-managed funds
  • Exchange-traded funds (ETFs)
  • LifeStrategy funds
  • Target Retirement funds
  • ESG funds

Through these funds, investors can get exposure to a broad range of markets, indexes, and asset classes, even if all the products are from Vanguard itself (there are no funds from other managers on the platform).

It’s worth noting that you can’t invest in individual stocks with Vanguard UK. If you’re looking to buy stocks, you’ll need an account with another platform such as Hargreaves Lansdown or AJ Bell.

You also can’t invest in specific sectors such as Technology or Healthcare. If you’re looking for funds that offer exposure to individual sectors, you’ll need to invest with another platform such as Interactive Investor or Moneybox.

In Summary

  • Vanguard UK offers access to a broad range of funds including index funds, active funds, ETFs, and ESG funds.
  • You can invest within a Stocks and Shares ISA, Personal Pension, Junior ISA, or General Account.
  • Vanguard’s annual charges are low at 0.15% per year (capped at £375).
  • There may be cheaper platforms out there depending on the size of your portfolio and what type of funds you invest in.
  • There is currently no app for Vanguard UK, but the company is in the process of developing one.
  • You can’t invest in individual stocks, or funds targeting specific sectors, with Vanguard.

Overall though, there are plenty of options for investors. With over 70 funds on the platform, investors can build a customised portfolio that is suited to their individual needs and goals.

Pros

  • Low fees
  • Diversified funds
  • Established company

Cons

  • No individual share investing
  • No Sector-specific funds
  • Pricing
    (4.5)
  • Market Access
    (4.5)
  • App & Platform
    (4)
  • Customer Service
    (4)
  • Research & Analysis
    (4.5)
Overall
4.3

How to invest in Vanguard funds

Investing in Vanguard funds is a straightforward process. Here’s how to do it in three simple steps:

  1. Open an account with Vanguard. To do this, you’ll need your National Insurance number and your debit card details. Note that when you open an account, you’ll have to choose a type of investment account. You may want to consider opening a Stocks and Shares ISA as these accounts are far more tax-efficient than general investment accounts.
  2. Fund your account. The minimum investment is £500 but you can start with £100 if you choose to invest in monthly instalments.
  3. Choose the Vanguard funds you wish to invest in. Here, it’s sensible to think about your goals and risk tolerance before investing.

Best Accounts For Buying Vanguard Funds

GIA AccountGIA Account FeeMin DepositDIY or ManagedGMG RatingMore Info
IG Investing Account£24 per quarter£250DIY & Managed
(4.3)
Start Investing*
Capital at risk
Saxo General Investing Account€10 per month
or 0.12%
£1DIY
(4.3)
Start Investing
Capital at risk
AJ Bell General Investing Account0.25%
(capped at £3.50 pm)
£500DIY
(4.2)
Start Investing
Capital at risk
Interactive Investor General Investing AccountFrom £4.99 a month£1DIY
(4.6)
Start Investing
Capital at risk
Hargreaves Lansdown General Investing AccountShares: £0
Funds: 0.45%
£1DIY
(4.6)
Start Investing
Capital at risk
Nutmeg General Investing Account0.75%-0.45%£500Managed
(4.1)
Start Investing
Capital at risk
Moneyfarm General Investment Account0.75%£500Managed
(3.6)
Start Investing
Capital at risk
Interactive Brokers General Investing Account£0£1DIY
(4.4)
Start Investing
Capital at risk
Weathify General Investing Account0.6%£1Managed
(4.2)
Start Investing
Capital at risk
Bestinvest General Investing Account0.2% to 0.4%£1DIY & Managed
(4.2)
Start Investing
Capital at risk
Dodl General Investing Account0.15%£1DIY
(3.8)
Start Investing
Capital at risk

What are Vanguard’s LifeStrategy funds?

Vanguard’s LifeStrategy funds are essentially ready-made portfolios. These funds contain a mix of equities and bonds, and each one has a different level of risk.

The higher the weighting to equities, the riskier the fund. So, for example, the LifeStrategy 80% Equity fund, which has 80% in equities and 20% in bonds, is riskier than the LifeStrategy 40% Equity fund, which has 40% in equities and 60% in bonds.

What are Vanguard’s Target Retirement funds?

Target Retirement funds are designed to automatically adjust the investment mix of the fund over time as you get closer to retirement.

The idea is that you pick out a fund that matches the year you plan to retire. For example, if you plan to retire in 2045, you would select the Target Retirement 2045 fund.

This currently has 76% of its capital allocated to equities and 24% to bonds, but over time, the equity weighting will fall and the bonds weighting will rise, to lower your investment risk as you approach retirement.

What’s the difference between Vanguard’s index funds and its active funds?

Vanguard’s index funds are designed to track stock market indexes such as the FTSE 100 and the S&P 500. With these funds, there is no portfolio manager picking stocks for investors.

By contrast, its active funds are managed by fund managers, who are trying to beat the market by picking individual stocks. These funds often produce returns that vary significantly from market returns.

What’s the difference between Vanguard’s funds and its ETFs?

Funds and ETFs are quite similar. With these investment products, one can get broad exposure to different asset classes at a low cost.

The main difference between the two types of funds is in relation to how they are traded. ETFs are traded on the stock market like regular stocks, meaning that buy and sell orders go through immediately (when the market is open). Funds, on the other hand, need to be purchased through an investment platform, and buy and sell orders are only processed at the end of the day after the fund’s net asset value (NAV) has been calculated.

What is the minimum investment with Vanguard UK?

The minimum investment with Vanguard UK is currently £500. However, you can invest from £100 per month if you choose monthly instalments. 

What are Vanguard’s fees?

Vanguard has always been known for its low fees. And Vanguard UK doesn’t disappoint on this front. Currently, its annual charges are just 0.15%. And these charges are capped at £375 per year.

It’s worth pointing out that there could be cheaper options out there depending on the size of your investment portfolio. For example, if you had a £250,000 Stocks and Shares ISA, Vanguard’s annual fees would be £375. Yet Interactive Investor (which offers an ‘Investor Plan’ for just £11.99 a month) would charge just £144. That would represent a saving of around £230 per year.

Similarly, if you invest in ETFs, it may be cheaper to invest through another platform. For example, if you had a £200,000 ETF portfolio with Vanguard, its annual fees would be £300. If the same portfolio was with Hargreaves Lansdown, annual fees would only be £45 (the fee cap for stock portfolios). 

In terms of fund fees, these vary. For example, Vanguard’s FTSE 100 UCITS ETF has an ongoing charge (OCF) of just 0.09%. However, its Global Equity Fund (an active fund) has an OCF of 0.48%. Overall though, fees are quite low.

What are the best Vanguard funds?

The best Vanguard fund for you will depend on your goals, risk tolerance, and time horizon.

If you’re looking for a simple global tracker fund though, it’s hard to look past Vanguard’s FTSE Global All Cap Index. With this fund, one gets access to over 7,000 stocks (including the likes of Apple, Microsoft, and Amazon) for an annual fee of just 0.23%. Be aware, however, that while this fund is global, around 65% of the fund is allocated to the US stock market. So, there is some geographic risk here. Overall, the fund has a risk level of five out of seven, meaning that it is suited to those with a relatively high tolerance for risk.

Another option to consider is the Vanguard ESG Developed World All Cap Equity Index. This also provides broad exposure to global stock markets. However, it is an ESG (environmental, social, and governance) fund meaning that it doesn’t invest in companies that have a negative impact on the environment and/or society. This fund also has a risk level of five out of seven meaning that it’s designed for those who are comfortable taking on some risk in the pursuit of strong long-term returns. Ongoing charges are 0.20%.

One other fund that’s worth highlighting is Vanguard’s U.S. Equity Index Fund. This tracks an index of large, mid, small and micro-sized company shares in the US and has an OCF of just 0.10%. The reason this fund could be worth a look is that over the long term, the US stock market has outperformed the UK market by a wide margin. And looking ahead, it may continue to outperform given that it is home to innovative companies like Microsoft, Nvidia, and Alphabet (Google). Of course, the narrow geographic focus here introduces new risks. Yet history suggests that over the long run, this fund is likely to perform well.

Does Vanguard UK have an app?

Vanguard is in the process of developing an app for its UK customers. Currently, the app is being tested by a small selection of its customers.

The company says that once the testing phase is complete, it will make the app available for everyone. When the app is released, customers will be able to view their account balances and place trades on their smartphones.

For the majority of investors, there is no app for Vanguard UK, which is disappointing. Most other platforms today, including the likes of Hargreaves Lansdown, Interactive Investor, Trading 212, and Moneybox, do have apps.

How does Vanguard’s SIPP account compare to Hargreaves Lansdown and Interactive Investor?

Vanguard do not have a SIPP account option, they are a personal pension provider. 

Vanguard’s personal pension has a low account fee of just 0.15% per year, capped at £375 per year. However, investors also have to pay fund management costs of around 0.20% per year on average.

One downside to this personal pension versus a SIPP accounts is that it offers fewer investment options than some other SIPPs do. For example, with Vanguard you cannot invest in individual shares.

Back in 2020 Vanguard got ready to muscle into SIPP investing and to compete with the incumbents like Hargreaves Lansdown, Interactive Investor and AJ Bell.

But Vanguard does not offer a proper SIPP, it’s a pension that lets you invest in Vanguard funds. An actual SIPP gives you far greater control and lets you invest in individual shares, bonds, ETFs and funds from multiple providers.

Pensions and retirement were in the headlines recently as the Women Against State Pension Inequality or WASPI took their case to court, unfortunately for them, the courts found that the government had not acted illegally in raising the age at which they would qualify for their state pensions.

Whatever the rights and wrongs of this case (and we can see merits in the arguments of both sides) it serves to show that we should not rely on the government to keep us in our old age

And that we should do whatever we can to invest and save for our retirements. An increasingly popular way to do this is through a SIPP or Self Invested Pension Plan

Like many products from the Vanguard group the Vanguard SIPP is designed to be simple to use and operate, has low fees and modest minimum investments, which will start at a hundred pounds per month. SIPP clients will also be able to add lump sums to their plan from £500 and upwards. 

What can you invest in with a Vanguard SIPP?

Vanguard will allow its SIPP customers to choose from a portfolio of 76 funds and ETFs 

The company which was founded in 1975 by legendary US investor Jack Bogle pioneered the concept of the index tracker fund and has grown to be one of the biggest players in the world of low fee passive investment strategies.

According to Vanguard’s marketing literature, its SIPP platform will run at less than half of the cost of those offered by its dearest rivals in the space, and some 40% cheaper the average SIPP. The calculations reflect the fees paid by SIPP investors on a £40k contribution. 

Low management fees can help to boost long-term investment returns so Vanguard will be hoping to win market share from existing providers when the new product goes live in early 2020

How does the Vanguard product stack up against two established rivals from Hargreaves Lansdown and Interactive Investor?

The Hargreaves Lansdown SIPP offers lower minimum monthly investment and lump sum amount than Vanguard and these are set at £25.00 and £100 respectively The Hargreaves Lansdown SIPP also has a much wider choice of funds for SIPP investors to choose from some 2500 funds in fact compared to Vanguards 76, though Vanguard might argue that theirs is a case of quality over quantity. 

However, Hargreaves Lansdown also offers access to individual UK and overseas shares as well as bonds and investment trusts and so has a much bigger investment universe overall.

The Hargraves Lansdown SIPP charges 0.45% as an annual management fee, that compares to Vanguards 0.15% management charge which is also capped at a maximum of £375 per annum. In both cases, there will be additional transaction fees on top.  

Interactive Investor has the widest coverage and offers its SIPP clients access to an investment universe of more than 40,000 individual UK and global equities, it also tales a different approach to its fee structure than its peers.

Any major differences for the new Vanguard SIPP account?

One of the key differentiators of Interactive Investors SIPP is the fact that it charges fixed monthly admin fees of just £9.99 per month, regardless of the size of the plan

Interactive Investor’s SIPP transaction charges are capped at £7.99 per trade. The group offer clients a monthly credit of £7.99 to be used to help offset transaction fees. Interactive also has cashback plans for those transferring existing SIPP schemes to them, from other providers, and sums ranging from £100 to £4000 are potentially available. Other benefits on offer include free investment analysis, data and tips.

Each of these SIPP providers has its own plus points and which one you choose from these three or those from many other providers will likely depend on your own individual circumstances and criteria such as your age, the size of your SIPP, if you currently have one, how actively you trade it and across what instruments? 

There is no one size fits all solution here but Vanguard’s entry into the market place next year seems likely to keep the pressure up on management fees and costs whilst increasing customer choice

Two themes that are the very heart of what we do here at the Good Money Guide. 

What is Vanguard FTSE UK All Share Index Unit Trust?

Jackson Wong (Sept 23)

The Vanguard FTSE UK All Share Unit Trust (ISIN: GB00BPN5P782is a passive British equity fund. As its name implies, the goal of the fund is the capture the equity returns from the broadest part of the London stock market. FTSE All Share Index is the key index that the Trust tracks. Vanguard, the US fund giant, administers the Trust.

Size matters?

Formed just over a decade ago (2009), the stock fund has grown to be one of the largest passive funds in the market. As of August 2023, assets under management totalled £12.2 billion – which, by comparison, is about the size of another popular Trust, the Scottish Mortgage Trust (ticker: SMT, AUM £12 billion).

Size does not make much of a difference to performance as the Trust tracks the All-Share Index. But is this Index a good one? Well, the FTSE All-Share Index is a broad representative of stocks in the London market.

There are 570 stocks and securities in this Trust, just four less than the benchmark. The median market capitalisation of these securities exceeds £33 billion. Undoubtedly, this is a (quasi) large-cap UCITS fund, whereby larger stocks impact the Trust’s performance more than smaller ones.

The top five holdings in the Trust are: Shell (RSDA), AstraZeneca (AZN), HSBC (HSBA), Unilever (ULVR) and BP (BP) – all the usual mega-caps in the LSE.

Source: Vanguard 

Why buy the Vanguard UK All Share Index Trust?

The Vanguard All Share Trust is a good options for those that want to trade the FTSE all share index for two reasons:

  1. Charges are fairly low. The Trust’s ongoing charges (OCF), for example, is only 0.06%. And according to its factsheet, there is no performance fee. The fund is cheap to hold and investors wouldn’t worry about high charges eroding long-term returns.
  2. The tracking error of the fund is fairly good. You can see how correlated it is to the benchmark in the performance graph below.

Income & accumulation

Another benefit is that investors can choose whether they buy the Trust’s 

a) Accumulating unit or the

b) Distribution unit.

The latter gives out dividends regularly; while the former rolls up these payments and re-invest.

Underperforming or undervalued?

Should you, however, buy the fund for your portfolio? There are a few other factors to consider. The first point is about the Trust’s performance. While it fluctuates according to the underlying stock index, the index itself did not move much. Four of the last five years saw sub-5 percent returns. Given this mediocre run, prospective investors should think twice about holding the fund.

If you think the UK market is undervalued compared to other international markets such as the US and emerging markets, then it is worth considering.

Performance

Source: Vanguard

Alternatives

There are other competing equity Trusts out there that perhaps give a ‘bigger bang for the buck’, so to speak.

Moreover, tracking the same index-based ETF we have the SPDR FTSE UK All Share (ticker: FTAL, factsheet). An ETF can be traded all-day during the main market trading session.

If you wish just to track certain sections of the UK market, like the large-capitalisation companies, perhaps just stick to the FTSE 100 fund like iShares Core FTSE 100 UCITS ETF (ticker: ISF). This way, you avoid the smaller stocks.

Asset Allocation

The last point is about asset allocation. Do you need to invest in equity? If yes, why UK? As you can see, the FTSE All Share Index is dominated by financials, oil & gas, and a few semi-British large-caps (like BHP, Unilever). There are no technology or major industrial heavyweights. Unless you’re bullish on these sectors, it certainly makes more sense to invest in other indices with faster-growing companies.

What is the VUSA Vanguard ETF (LON:VUSA) and is it a good investment?

Jackson Won (Nov 22)

Vanguard’s VUSA ETF (LON:VUSA) is an exchange-traded fund whose share price mimics the movement the widely-followed blue-chip US S&P 500 Stock Index. This equity index, as its name implies, is comprised of 500 largest stocks in the US (factsheet) and is one of the best performing and heavily traded markets in the World.

What is the live Vanguard VUSA ETF share price?

The current LON:VUSA share price is 90.74p which is a change of 0.09 or 0.1% from the last closing price of 90.74 with 193,404 shares traded. The most recent daily high has been 91.53 and daily low 90.62. The LON:VUSA share price 52 week high has been 99.96 and the 52 week low 68.4. Based on the most recent LON:VUSA share price opening of 90.74.

Pricing data automatically updates every 15 minutes

Is Vanguard’s VUSA ETF a good investment in the long term?

By and large, US stocks tend to advance upwards. Not only that, when the US market runs, no market comes close.

For one, the USA is the largest economy in the world. It is dynamic, innovative and vibrant. Moreover, few countries match the depth of the American capital market. The combined market capitalisations of the Nasdaq and NY Stock Exchange are in the trillions. And the US Dollar is used by most countries in the world to settle cross-border transactions. Most commodities are priced in the dollar.

Many funds around the world track this index because it gains exposure to the US market. According to the index company Standard & Poor’s, an “estimated $15 trillion is indexed or benchmarked to this index.” Historically, the S&P 500 Index progressed in cycles (90-year chart):

S&P Long Term Chart

Occasionally, faith in the US market was tested to the full. For example, during the 2008 financial crisis. But the country pulled together and the US stock market soared to new highs soon after. In the words of investment guru Warren Buffett (entitled “Buy American. I am”, 2008):

Over the long term, the stock market news will be good. In the 20th century, the United States endured two world wars and other traumatic and expensive military conflicts; the Depression; a dozen or so recessions and financial panics; oil shocks; a flu epidemic; and the resignation of a disgraced president. Yet the Dow rose from 66 to 11,497.

Therefore, VUSA is indeed a good vehicle to gain exposure to dynamic US stocks.

Not to forget, the UK currency has been falling over the past 10-15 years due to macro underperformance. This means foreign assets become more valuable in Sterling terms. For instance, look at the GBPUSD exchange since 2005. It is not exactly a vote of confidence on the British economy.

GBPUSD

When is the best time to buy VUSA shares?

The best time to buy US stocks is when the outlook is very negative or uncertain.

When the outlook is negative, it means investors are expecting the economy to contract, which leads to poorer earnings at the corporate level. This reduces the valuation of the stock market.

However, when is the best time to buy VUSA? There are several rules that people have come up with:

  1. Regular buying of the ETF – this ensures that we average out the entry price over a cycle
  2. Buy when the index moves into its long-term uptrend – ie above its 200-day moving average and sell when it drops below it (so-called ‘IVY Portfolio’ – a good book on the strategy).

The key here is diversification – since VUSA is a broad-market ETF.

What are the top ten biggest stocks in Vanguard’s VUSA ETF?

As of November 2022, LON:VUSA largest US stock positions are:

  1. Apple: 7.12%
  2. Microsoft Corp: 5.32%
  3. Amazon.com: 2.79%
  4. Tesla: 1.86%
  5. Alphabet Inc: 1.72%
  6. Berkshire Hathaway Inc: 1.64%
  7. Unitedhealth Group Incorporated: 1.60%
  8. Alphabet Inc: 1.58%
  9. Exxon Mobil Corp: 1.42%
  10. Johnson & Johnson: 1.41%

Is the VUSA share price overvalued or undervalued at the moment?

This is like asking if the US market is over or undervalued now. Simply, we can’t say for certain.

Valuation-wise, the S&P is currently back to levels attained in 2017/18 (see below). This means two things:

  1. The market is still not very ‘cheap’ compared to its bear market lows.
  2. Some overvaluation froth has been wiped away by the recent price falls.

S&P 500 Trailing Price Earnings

Source: Yardeni.com

So the bulls and bears have valid arguments on their side. The market has yet to fall to its pandemic lows but the index valuation shows that the stock market is no longer as highly valued as before. Prices could stay range bound for the time being.

Why has VUSA’s share price dropped recently?

The S&P 500 Index has been falling in a progression of lower highs due to several macro reasons:

  • Interest rate hikes – this quantitative tightening is still ongoing and may prolong into early parts of 2023
  • A deterioration of corporate earnings – for example even a defensive stock like Walmart (WMT) had an earnings shock earlier this year. Investors are gradually bracing for more profit warnings in 2023.
  • A fall in tech stocks – due to a regression in valuation. Many tech stocks have stopped going ‘to the moon’ and are being repriced in a more sensible manner.

Vanguard VUSA ETF weekly price chart

However, when looking at VUSA’s chart, bear in mind that this is GBP-denominated. Hence it is doing better than those USD-denominated equivalent ETFs because of the fall in GBP.

What is VUSA’s earnings prediction?

Wall Street is now becoming more cautious about the S&P.

According to some aggregators, analysts are expecting a dip in S&P earnings next year (see below). The question now is whether the macro conditions will derail these predictions. The level and pace of rate hikes is a major concern; so is the price of energy and food (inflation).

Therefore, these predictions should be taken with a grain of salt due to a rise in macro uncertainties.

S&P 500 Earnings

Source: Yardeni.com

How do you buy Vanguard VUSA S&P 500 UCITS ETF (LON:VUSA) shares:

To buy shares in Vanguard VUSA S&P 500 UCITS ETF (LON:VUSA), you need a trading or share dealing account. Follow these three steps if you want to buy shares in Vanguard VUSA S&P 500 UCITS ETF:

  1. Decide if you want to buy Vanguard VUSA S&P 500 UCITS ETF shares in the short-term or invest in the long-term
  2. Compare share dealing and trading fees in our comparison tables
  3. Choose which broker is right for you and open an account

How much does it cost to buy Vanguard VUSA S&P 500 UCITS ETF shares (LON:VUSA)?

Buying one LON:VUSA share costs 90.74p. However, as well as the 90.74p cost of buying the shares you will also have to pay stamp duty, dealing and custody account fees for holding your shares with a broker. You also have to consider the difference between the bid price (the price at which you sell shares) and the offer price (the price at which you buy shares). These fees vary depending on what sort of account you open, and with what broker.  You can compare the different costs associated with the different types of trading and investing accounts in our comparison tables below.

Pricing data automatically updates every 15 minutes

Vanguard GBP ETFs

ETFNamePrice1M % Change6 M % Change1 Y% Change
LON:V3ABVanguard Funds Plc ESG Global All Cap UCITS ETF Accumulating5.25Loading...Loading...Loading...
LON:V3AMVanguard Funds Plc ESG Global All Cap UCITS ETF - Dist4.98Loading...Loading...Loading...
LON:V3ELVanguard Funds Plc ESG Developed Europe All Cap UCITS ETF Dist4.84Loading...Loading...Loading...
LON:V3GPVanguard Funds PLC Vanguard ESG Global Corporate Bond UCITS4.36Loading...Loading...Loading...
LON:V3GSVanguard Funds Plc ESG Global Corporate Bond UCITS ETF4.89Loading...Loading...Loading...
LON:V3MMVanguard Funds plc ESG Emerging Markets All Cap UCITS ETF Inc5.11Loading...Loading...Loading...
LON:V3PMVanguard Funds Plc ESG Developed Asia Pacific All Cap UCITS ETF Inc5.19Loading...Loading...Loading...
LON:VAGPVanguard Funds plc Global Aggreg Bond UCITS ETF GBP H Dis22.68Loading...Loading...Loading...
LON:VAGSVanguard Funds plc Global Aggreg Bond UCITS ETF GBP H Acc24.88Loading...Loading...Loading...
LON:VAPXVanguard Funds plc FTSE Developed Asia Pacific ex-Japan UCITS ETF20Loading...Loading...Loading...
LON:VCPAVanguard Funds Plc USD Corporate Bond UCITS ETF - Acc45.59Loading...Loading...Loading...
LON:VDJPVanguard Funds Plc FTSE Japan UCITS ETF - Dist37.48Loading...Loading...Loading...
LON:VDPGVanguard Funds plc FTSE Developed Asia Pacific ex Japan UCITS ETF24.41Loading...Loading...Loading...
LON:VECPVanguard Funds plc EUR Corporate Bond UCITS ETF40.89Loading...Loading...Loading...
LON:VEMAVanguard Funds Plc USD Emerging Markets Government Bond UCITS ETF45.01Loading...Loading...Loading...
LON:VEMTVanguard Funds plc USD Emerging Markets Government Bond UCITS ETF33.94Loading...Loading...Loading...
LON:VERGVanguard Funds plc FTSE Developed Europe Ex UK UCITS ETF (GBP)38.17Loading...Loading...Loading...
LON:VERXVanguard Funds plc FTSE Developed Europe ex-UK UCITS ETF33.17Loading...Loading...Loading...
LON:VETYVanguard Funds plc Eurozone Govt Bd EUR UCITS(GBP)19.19Loading...Loading...Loading...
LON:VEUAVanguard Funds plc FTSE Developed Europe UCITS ETF EUR Accumulation37.99Loading...Loading...Loading...
LON:VEURVanguard Funds plc FTSE Developed Europe UCITS ETF33.33Loading...Loading...Loading...
LON:VEVEVanguard Funds plc FTSE Developed World UCITS87.05Loading...Loading...Loading...
LON:VFEGVanguard Funds plc FTSE Emerging Markets UCITS ETF (GBP)50.04Loading...Loading...Loading...
LON:VFEMVanguard Funds plc FTSE Emerging Markets UCITS ETF USD(GBP)48.81Loading...Loading...Loading...
LON:VGERVanguard Funds plc Vanguard Germany All Cap UCITS ETF24.8Loading...Loading...Loading...
LON:VGOVVanguard Funds plc UK Gilt UCITS ETF GBP16.56Loading...Loading...Loading...
LON:VGVAVanguard Funds Plc UK Gilt UCITS ETF - Accumulation20.23Loading...Loading...Loading...
LON:VHVGVanguard Funds plc FTSE Developed World UCITS ETF89.45Loading...Loading...Loading...
LON:VHYGVanguard Funds Plc FTSE All World High Dividend Yield UCITS ETF59.61Loading...Loading...Loading...
LON:VHYLVanguard Funds plc FTSE All World High Dividend Yield UCITS ETF54.66Loading...Loading...Loading...
LON:VJPBVanguard Funds Plc FTSE Japan UCITS ETF USD Acc26.77Loading...Loading...Loading...
LON:VJPNVanguard Funds plc FTSE Japan Equity UCITS ETF29.47Loading...Loading...Loading...
LON:VMIDVanguard Funds plc FTSE 250 UCITS ETF32.37Loading...Loading...Loading...
LON:VMIGVanguard Funds plc FTSE 250 UCITS ETF Acc37.52Loading...Loading...Loading...
LON:VNRGVanguard Funds Plc FTSE North America UCITS ETF USD Acc118.24Loading...Loading...Loading...
LON:VNRTVanguard Funds plc FTSE North America UCITS ETF116.75Loading...Loading...Loading...
LON:VSCAVanguard Funds Plc USD Corporate 1-3 Year Bond UCITS ETF - Acc45.41Loading...Loading...Loading...
LON:VUAGVanguard Funds plc S&P 500 UCITS ETF USD ACC (GBP)90.96Loading...Loading...Loading...
LON:VUCPVanguard Funds plc USD Corporate Bond UCITS ETF37.78Loading...Loading...Loading...
LON:VUKEVanguard Funds plc FTSE 100 UCITS ETF GBP36.39Loading...Loading...Loading...
LON:VUKGVanguard Funds Plc FTSE 100 UCITS ETF GBP ACC42.31Loading...Loading...Loading...
LON:VUSAVanguard Funds plc S&P 500 UCITS ETF USD(GBP)90.74Loading...Loading...Loading...
LON:VUSCVanguard Funds Plc USD Corporate 1-3 Year Bond UCITS ETF38.82Loading...Loading...Loading...
LON:VUSDVanguard Funds Plc S&P 500 UCITS ETF USD DIS115.34Loading...Loading...Loading...
LON:VUTAVanguard Funds Plc USD Treasury Bond UCITS ETF - Acc20.46Loading...Loading...Loading...
LON:VUTYVanguard Funds plc Treasury Bond USD UCITS (GBP)17.13Loading...Loading...Loading...
LON:VWRDVanguard Funds plc FTSE All-World UCITS ETF (USD) Distributing142.5Loading...Loading...Loading...
LON:VWRLVanguard Funds plc FTSE All-World UCITS ETF (USD) Distributing - GBP112.05Loading...Loading...Loading...
LON:VWRPVanguard Funds plc FTSE All-World UCITS ETF (USD) Accumulating112.7Loading...Loading...Loading...

Vanguard FAQ

Yes, Vanguard is a good platform for beginners. Through Vanguard, those with a small amount of money to invest can get diversified exposure to the world’s financial markets at a low cost.

Vanguard is a reputable investment manager that is regulated by the Financial Conduct Authority (FCA) and covered by the Financial Services Compensation Scheme (FSCS). So, it should be viewed as safe. However, investing does involve risk. And when you invest with Vanguard, there is a chance that the value of your investments could fall.

In the unlikely event that Vanguard went under, your money and investments would be returned to you as quickly as possible or transferred to another provider. Note here that Vanguard holds your investments separately from its own in accordance with FCA rules.

Vanguard UK has very low fees and charges. But depending on the size of your account and the type of funds you invest in, there could be cheaper options out there.

No. With Vanguard, you can only invest in funds.

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