How to invest

Getting started

Investing might seem complex, but taking a little time to learn about it can really pay off. It's one of the best ways to meet your financial goals.

3 keys to investing

Goals

Like so many other good intentions, an investment goal is just a dream until you have a plan to reach it. Start by understanding the basics of risk and return.

Turn your goal into an investment plan

See how risk, reward & time are related

Asset allocation & diversification

Before you start buying investments, figure out which kinds of assets fit with your plan. And make sure to take advantage of diversification to lower your risk.

Start with your asset allocation

Reduce risk through diversification

Costs

All investments have costs, but you control them by choosing what to buy. It’s a much bigger decision than you might think.

Don't let high costs eat your returns

For advanced investors: Read more investment research >

Don't forget to pick an account type

The money you make on your investments will most likely be taxed, but how and when it's taxed depends on the kind of account you have.

Choose an investment account

Don't forget to pick an account type

The money you make on your investments will most likely be taxed, but how and when it's taxed depends on the kind of account you have.

Choose an investment account

Not a Vanguard client yet?

Not a Vanguard client yet?

Saving for retirement or college?

See guidance that can help you make a plan, solidify your strategy, and choose your investments.

Already know what you want?

From mutual funds and ETFs to stocks and bonds, find all the investments you're looking for, all in one place.

Need some help? Consider our advisor services

Get personalized support as you strive toward your goals, no matter where you stand on your financial journey.

Need some help? Consider our advisor services

Get personalized support as you strive toward your goals, no matter where you stand on your financial journey.

All investing is subject to risk, including the possible loss of the money you invest.

Diversification does not ensure a profit or protect against a loss. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income.

Advice services are provided by Vanguard Advisers, Inc., a registered investment advisor, or by Vanguard National Trust Company, a federally chartered, limited-purpose trust company.