Investing with Vanguard Flagship Services® | Vanguard (2024)

FAQs

What is a flagship account with Vanguard? ›

Investors with $1 million to $5 million*

You're a Flagship client at Vanguard, which means you get personalized services reserved for our high-net-worth investors. Helping you look at your wealth holistically is important to us.

The company has around 60,000 flagship clients among its 25 million individual account holders. Vanguard has now set up formal spaces where flagship investors can make appointments with staff for an "improved" experience, spokeswoman Arianna Stefanoni Sherlock confirms.

If you're willing to take on more risk for the chance of beating the market, right now may be your best time to buy. Growth stocks have been pummeled during this downturn, and by investing now, you'll be well-positioned to take advantage of the upswing.

In the last 30 Years, the Vanguard S&P 500 (VOO) ETF obtained a 9.73% compound annual return, with a 14.96% standard deviation. In 2022, the ETF granted a 1.37% dividend yield.

Is it safe to keep more than $500,000 in a brokerage account? It is safe in the sense that there are measures in place to help investors recoup their investments before the SIPC steps in. And, indeed, the SIPC will not get involved until the liquidation process starts.

Money market funds and other securities held in the Vanguard Brokerage Account are eligible for SIPC coverage. Securities in your brokerage account are protected up to $500,000. To learn more, visit the SIPC's website. Up to $250,000 by FDIC insurance.

Most millionaires likely use some type of financial advisor to grow and protect their wealth. Whether that is an investment manager or wealth advisor can vary but not using the financial expertise of an advisor to help grow your wealth could be risky unless you have the right knowledge and skills to do it yourself.

Eligibility is first calculated using qualifying assets for an individual client. We then combine the qualifying assets of clients sharing a residential address to determine final eligibility*, with a minimum of $1 million to qualify for Vanguard Flagship Services®.

What is Considered a High Net Worth in Retirement? A high-net-worth individual or HNWI is generally anyone with at least $1 million in cash or assets that can be easily converted into cash, including stocks, bonds, mutual fund shares and other investments.

Based on the accrued inflation data and our revised growth forecast, we've increased our year-end 2023 forecast for headline inflation from 3.4% to 3.7% and for core inflation from 2.8% to 3.6%. With upgrades to both our growth and inflation forecasts, we've raised our monetary policy forecast as well.

What would happen if Vanguard went bust? ›

Vanguard is paid by the funds to provide administration and other services. If Vanguard ever did go bankrupt, the funds would not be affected and would simply hire another firm to provide these services.

"In the first half of 2023, the S&P 500 is expected to re-test the lows of 2022, but a pivot from the Federal Reserve could drive an asset recovery later in the year, pushing the S&P 500 to 4,200 by year-end," the investment bank said in a research note.

At age 60–69, consider a moderate portfolio (60% stock, 35% bonds, 5% cash/cash investments); 70–79, moderately conservative (40% stock, 50% bonds, 10% cash/cash investments); 80 and above, conservative (20% stock, 50% bonds, 30% cash/cash investments).

Is 30% Good ROI? An ROI of 30% can be good, but it can depend on how long your ROI has been at 30% in previous years. A 1-year ROI of 20% compared to 3-years of a 30% ROI can be considered a better investment.

Most investors would view an average annual rate of return of 10% or more as a good ROI for long-term investments in the stock market. However, keep in mind that this is an average. Some years will deliver lower returns -- perhaps even negative returns.

What brokerage firms do billionaires use? Many very wealthy individuals use the top brokerage firms, such as Fidelity, Schwab, Vanguard, and TD Ameritrade, among others. They invest in private equity and hedge funds.

Some investors have several brokerage accounts to keep their retirement funds and active trading accounts separate, while others prefer to keep their niche accounts with companies that specialize in them. Still others see benefits in estate planning or simply want to take advantage of multiple sign-up perks.

High-quality bonds and fixed-indexed annuities are often considered the safest investments with the highest returns. However, there are many different types of bond funds and annuities, each with risks and rewards. For example, government bonds are generally more stable than corporate bonds based on past performance.

Of the 3 main asset classes, cash is the safest, followed by bonds and then stocks. Safer investments also have lower average returns. By mixing investments, you can get a balance of both stability and growth potential.

Why is my money not available to invest, even though my transfer is complete? There are a couple of reasons this may happen: It can take a few days for the cash to clear in your account, and if you've chosen funds already, for the transaction to complete and show in your account.

Why can't I withdraw all money from Vanguard? ›

When you sell funds you'll need to wait for the trade to settle before you can withdraw the cash. This normally happens 2 business days after the trade completes.

While 1.5% is on the higher end for financial advisor services, if that's what it takes to get the returns you want then it's not overpaying, so to speak. Staying around 1% for your fee may be standard but it certainly isn't the high end. You need to decide what you're willing to pay for what you're receiving.

Many people who aren't well-versed in finance believe they need professional advice to invest profitably. But according to Warren Buffett, financial advisors aren't worth the money. Furthermore, advisers can give misguided financial advice because they bear none of the risks as their clients' fortunes rise or fall.

Ultra-wealthy individuals invest in such assets as private and commercial real estate, land, gold, and even artwork. Real estate continues to be a popular asset class in their portfolios to balance out the volatility of stocks.

In fact, Fidelity is our overall pick for the best online broker in 2022, so it is very hard to beat. All that said, Vanguard still offers some of the lowest-cost funds in the industry and will appeal to buy-and-hold investors, retirement savers, and investors who want access to professional advice.

Our service is currently operating as expected at the location you provided.

The median household in the study has over $1 million with Vanguard and those below the median have assets outside of Vanguard (i.e. real estate, non-Vanguard accounts, etc.) that make most of them millionaires as well.

Vanguard has four main service levels: Voyager, Voyager Select, Flagship, and Flagship Select. Note: For Vanguard, your benefit level is calculated on how much you have invested in Vanguard mutual funds and ETFs. If you have other funds or even stocks, that doesn't count towards your service level.

Brokerage accounts are places where investors can buy and sell securities, including mutual funds. Mutual funds and assets that are held in a brokerage account are generally taxed in the same manner. However, mutual funds often require a minimum investment but brokerage accounts generally do not.

What happens to my money if Vanguard goes under? ›

What happens to my investments if Vanguard becomes insolvent? In the unlikely event that we become insolvent, your money and investments would be returned to you as quickly as possible, or transferred to another provider. This is because your money and investments are held separately from our own.