Like, say, Betterment or Wealthfront, it begins by asking you a series of questions about your investment timeline, risk tolerance, and goals. Vanguard Personal Advisor Services is a robo-advisor offering that's best suited for investors who already have some money to deposit. My house is worth $600K today. In case you don't know you can personally access vanguards monte carlo simulation. Your own calculations say that 10 more years of contributions plus 10 years of coasting only gets you to $2.1M. you can't meet your target. Clients who meet the $50,000 account minimum get access to the hybrid service for a management fee of 0.30%. Transferring our assets in kind was a chore. $3,000. It seems odd that no matter what you put in (??) Press J to jump to the feed. 10 years of additional saving at $40k/year is not going to make up the difference. So I'm a little leery of going down that road again. There's probably not a big difference between the two allocations. I'm to the point where I'd like to streamline our portfolio and get it all under a financial advisor, who could easily handle the portfolio if something were to happen to me. However, their model assumes I will still not make it even if I contribute $40K per year until age 60. Press question mark to learn the rest of the keyboard shortcuts. I had a health scare a few years ago, and I've done a lot of thinking. Folks - i have added additional reasons on why I am skeptical. Or you can get more fancy and use Paul Merriman's Best in class ETF recommendations. the 500 index is apart of VTSAX. While they advertise quarterly rebalancing, it actually happens more frequently as they direct your regular or reoccurring contributions, in our case on a weekly basis. The service also gets a lot more personalized once you have >500k. Does anyone out there have experience utilizing Vanguard's services and do you think they'd be a good fit for what I'm looking for? FYI Vanguard Digital Advisor and the target date funds both have an expense ratio of 0.15%, and they both invest in a four fund portfolio (US stock/international stock/US bonds/international bonds). The Betterment vs Vanguard robo match up is a difficult contest. LIke many of its robo-advisor competitors the digital advisor creates a well-balanced investment portfolio that reflects your goals, age, and risk level. We had a number of relatively high fee mutual funds across a variety of accounts. The bottom line: Fidelity Go is a strong, low-cost choice for investors who want an all-digital robo-advisor. My first question would be why do you have so many funds and so much tax complexity? Betterment vs Vanguard Robo Advisor—Who Benefits. Just put all into VTSAX and you wont have to worry about re balancing. For more information, please review the Vanguard Digital Advisor Brochure. This is a place for people who are or want to become Financially Independent (FI), which means not having to work for money. Vanguard Personal Advisor Services’ fees are tiered based on the amount of assets you have under management. Make him explain inflation. What would you suggest I do?" What would you suggest I do?". All the parameters above seem incorrect, as I would be able to sustain my lifestyle on $6k a month (after mortgage is paid off). It seems like they'd be a natural fit for an investor interested in index investing, but I need to ensure they can also provide advice on dealing with issues like drawing from social security and my pension and that they can put together an overall game plan for dealing with retirement. This is without contributing another $40K per year from age 50 to 60 and without including SSN payments that start at 62. Oh simplifying is definitely on the agenda. Press J to jump to the feed. I'd also like to make sure that we'd have a dedicated 'advisor' so we weren't always being shuffled around to different people every time we call. Failing to reach your goal is either 1) insufficient saving rate or 2) insufficient investment return. The model is probably as good as it gets. No … Vanguard vs Betterment. 7% return, net of inflation, sounds like 100% domestic stocks. Safe way of doing it just always seems so pessimistic. Find the best robo-advisor for you in our comprehensive review. If your retirement plan is based on property or other passive business income, I think you’ll find their retirement planning tool less useful. To me, it seems like they are using the model as an excuse without proposing a plan of action. If you want to have continual rebalancing, you might be better off putting the money in Vanguard's lifecycle funds. Also, just because someone gets paid to be an advisor doesn't mean they should. You seem to be drawn to them for the same reason I would be drawn to them, which is that their incentives are aligned with your own. Vanguard personal advisor services Folks - I have been having vanguard funds for more than 10 years and over the last two years signed up for their personal advisor services at 0.3%. ), retiring too soon (save over longer period of time), being too conservative for your time horizon (increase risk), planning on living too large in retirement (rut-roh!). The reasons to have a personal advisor are: 1) you don't want to pay any attention to your investments, 2) you want to blame someone else when things go bad, 3) you want to talk to a human about money. I would stay far, far away from Edward Jones or any company that follows a similar business model. Betterment is a roboadvisor that charges a flat 0.25% fee for their Digital service and 0.40% on their Premium service. My 4% does not account for SSN withdrawals since I believe I will be at a bend period where additional contributions don't increase the benefits significantly. It's important to understand the assumptions of the model though -- usually they assume a below average or significantly below average market going forward because that's a safe way of doing it. We use cookies on our websites for a number of purposes, including analytics and performance, functionality and advertising. They do offer advanced technology as well. Is your vanguard advisor including the value of your house or only looking at your investment portfolio? https://www.reddit.com/r/personalfinance/wiki/financialadvisors. 6.4% - VMGMX - Vanguard midcap growth index fund admiral shares, 32.08% - VTSAX - Vanguard total stock market index fund admiral shares, 7.61% - VBTLX - Vanguard total bond market index fund admiral shares, 3.26% - VTABX -Vanguard total international bond index fund admiral shares, 14.84% - VFIAX - Vanguard 500 Index fund admiral shares, 35.47% - VTIAX - Vanguard total international stock index fund admiral shares. https://investorjunkie.com/reviews/vanguard-personal-advisor-services For $500,000, clients are assigned to a dedicated financial advisor. The personal advisor side of Vanguard Personal Advisor Services isn't its only perk. At its core, FI/RE is about maximizing your savings rate (through less spending and/or higher income) to achieve FI and have the freedom to RE as fast as possible. No matter what I put in, the goal always shows I will not meet my target. One was an advisor with Edward Jones and one was an advisor with CUSO Financial Services. Betterment Roboadvisor. Like if she has to pull money out, this person would tell her which funds are doing better at the time, or if one of our active funds is underperforming, he/she could make recommendations on a change, etc. Vanguard's advisory service is pretty well-regarded if you really feel strongly about having an advisor, and fits in pretty well with your goals. If that’s all it is then I’d say no, it definitely isn’t worth it. You could makes things a lot simpler for your spouse, with or without an advisor, by just... making things a lot simpler. In addition, the CUSO advisor basically said if we utilized index investing we really woudn't be utilizing her strengths or maximizing the value we get from her. In the last couple of weeks several readers have requested that I discuss Vanguard’s upcoming Digital Advisor program. You're paying for "personal" service, so make sure it's personal. The Vanguard advisor helped simplify the transition. Their job is not to look out for you but to sell a product. That appeal to authority is silly. The combined annual cost of Vanguard Digital Advisor’s annual net advisory fee plus the expense ratios charged by the Vanguard funds in your managed portfolio will be 0.20% for Vanguard Brokerage Accounts. Run a Boglehead 2-4 fund and base your allocation on your risk tolerance. That is, your advisor gets some information from you, plugs it into a formula, and gives you the stated fund distribution. However, I still want someone to 'manage' the portfolio, again, so if something happens to me, there's someone there that my wife can rely on to give her advice. Vanguard Review Founded in 1975, Vanguard is best known for its low-fee mutual and exchange-traded funds . So, I think I can make it even if I stop contributing to retirement after 46. ok i'm kidding, may not be suitable for you. Digital Advisor's annual net advisory fee of approximately 0.15% across your enrolled accounts for a typical investment portfolio, although your actual net fee will vary depending on the specific holdings in each enrolled account. The simple truth is that our devotion to customer care and support has earned us this position. As of April 2019, Vanguard is the largest provider of mutual funds and the second-largest provider of exchange-traded funds (ETFs) by assets under management. When you join our family you become a member for life. Your portfolio is 10% bonds, 35% international and only 55% domestic stocks, which is probably going to have a model return less than 7%. Those projections should be running on the same Monte Carlo model (with certain assumptions for when you retire and how much you think you will need). But their costs are low and they are looking out for you and not for themselves, which is important to determine when choosing an advisor. Before you bag it, I would suggest asking them "so fundamentally - why am I not meeting my target? Goals play a big roll in Digital Advisor. Also, I very much want someone who can guide us both as we have to plan for and deal with retirement. They should be able to tell you why you're in everything you are or/ why you should be in something else. If I assume no increase on my house and turned around and sold it at $600k, my balance would be $2.7M. 0.3% is a tiny amount, so small for the personal advisor they probably don't care about you. Vanguard Digital Advisor Brochure . Get hime to explain why the investment projections don't get you to your goal and help you find changes that fit your lifestyle. Then we'd have a regular checking account to pay the bills. Vanguard Digital Advisor. If all that the advisor is doing is rebalancing portfolio among agreed upon funds following a glide path, is it worth having the service and am I right in being skeptical about goal projections? Their online dashboard is user-friendly and accessible 24/7. Before you say 'well any advisor shoud be ok with whatever you want to invest in, including funds form different families,' I had an advisor long ago who said the same thing. I'd love to eventually consolidate everything into Vanguard Index 500 for the core holding and then maybe Wellington for the value side, an aggressive growth, a bond and of course a money market to move money in and out of these funds. Consider changing your target date to meet your goal. Almost certainly the same automated trader that manages their lifecycle funds. Because I wanted someone to build a portfolio for me. Our experts' favorite robo-advisors feature $0 account minimums, tax-loss harvesting, as-needed rebalancing, and more. There could be many reasons - not putting away enough now (save more! So, am I right in being skeptical about their plan or am I being too simplistic? Join our community, read the PF Wiki, and get on top of your finances! I'm curious. Hi all, brand new member here. Fees. The advisory fee is anywhere from 0.50% to 1.50% depending on the site of your investment. Their advice is not comprehensive (no insurance, general tax advice, or other asset recommendations). ask you a series of questions to establish risk tolerance and then recommend a portfolio based on your risk attitude assessment. Curious why you are invested in VTSAX and VFIAX. The Edward Jones advisor basically recommended consolidating our funds in a portfolio consisting of funds in families Edward Jones already works with (american funds, jp morgan, etc). They are more conservative than the traditional wisdom around here (the whole 4%/25x your annual expenses) but I am too and I've been quite happy with them. I still keep an unmanaged account with some individual stock holdings which feeds into the plan, but is self-directed. 4.0. Frankly, at this point, I'm really not interested in either approach. Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. Vanguard Digital Advisor received the top rating for "Best Robo-Advisor for Low-Cost Investing" for 2021 among 18 other robo-advisors selected by NerdWallet. Adds up to 99.6% due to some rounding but that is not material. Vanguard Digital Advisor®'s all-in costs are 0.20%, which is a comprised of a targeted advisory fee (0.15%) and the expense ratio charged for … As you can see, the cost of Vanguard Personal Advisor Services could end up being much lower if you have a higher account balance: 0.30% up to $5 million in managed assets; 0.20% above $5 million to $10 million One thing to note is that you need to have 500k managed with them to get a dedicated advisor, otherwise you'll have a team. The combined annual cost of Vanguard Digital Advisor's annual net advisory fee plus the expense ratios charged by the Vanguard funds in your managed portfolio will be 0.20% for Vanguard Brokerage Accounts. If your saving rate is too low, get him to calculate how much you need to increase your savings. This is a more detailed service and similar to what Vanguard offers with Personal Advisor Services. Vanguard's latest SEC filing shows it has a robo-advisor all set to go and at a rock-bottom price. But within a couple of years, his firm began pressuring us to move out of our funds and into funds his firm already worked with. Vanguard started testing Vanguard Digital Advisor (DA), a fully-automated investing service with fewer barriers to entry in 2019, and has rolled it out to the public in 2020. You can get a real-time snapshot of your portfolio and review your goals. For more information, please review Form CRS and the Vanguard Digital Advisor brochure. The framework is also somewhat rigid. 0.15% per year (approximately) Account Minimum. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Key Takeaways. They have me spread between multiple funds. Like 'ok it's time you need to start pulling money out of this fund or that fund because of tax regulations,' or 'ok here's when you should start drawing money out of social security or your pension,' etc. Why did you switch from doing it yourslef to personal advisor? But how that gets arranged in terms of whose Roth contains which fund, and where does all our non-qualified money go remains to be seen. The Vanguard robo advisor service is a hybrid robo advisor that combines automated investment management with a team of live advisors. Get him to explain and justify the expected returns. If you want to get your fee's worth, then talk to the advisor. Before you bag it, I would suggest asking them "so fundamentally - why am I not meeting my target? Can you review and respond? Since it seems like my goals for a financial advisor may not be a great fit for advisors who really want to actively manage, and because I'm pretty interested in going the index fund route to a significant degree, I'm thinking I might be better off going with something like Vanguard's inhouse personal advisor team. The portfolio itself is pretty simple, mostly VTI, VXUS, BND, BNDX, but they will occasionally scoop up a more specific sector ETF. Vanguard Personal Advisor Services Review ... Vanguard Digital Advisor, a separate product aimed at new investors, was launched to the public in 2020 with lower minimums and lower management fees. Anyway I've had two rather long initial consultations with two different advisors, who seemed to have very different styles. I'm also planning to start using a tax advisor starting next year, largely so again if something were to happen to me, my wife would already have someone she would know and be comfortable with and who had some familiarity with our tax situation and history. I'm 30, right now I have $175k allocated 10% bond, 90% index fund admiral shares at Vanguard. For example, if you are very risk averse and are holding more than the normal level of bonds vs stocks (particularly domestic stocks) for your age, and you want to retire "early" with that portfolio, I can sort of see how you might get that result if all of your retirement income is planned to come from financial assets. Seems like there is a lot to be gained from tax loss harvesting, and AFAIK Vanguard's robo-advisor offers that. My wife and I have a portfolio that's spread across probably 15 mutual funds (in both Roth and non-qualified accounts). You plan to contribute $40,000.00 per year to all accounts for this goal. The following is the allocations they have me under today. I am 41 now. I use Vanguard PA and have these conversations on a semi-annually to quarterly basis with the advisor(s), depending on what's going on. I am a bit skeptical. Instead, Vanguard Digital Advisor uses a computer algorithm to manage and invest your money for you. Aside from this Vanguard broker review, we've also reviewed the Vanguard Personal Advisor Services robo-advisor and the entry-level Vanguard Digital Advisor. They certainly have an automated trader to do the rebalancing. I've been handling the investments myself for about 25 years, as well as our taxes. Wrt goals, they have the following parameters: You have $594,153.05 toward your goal of $2,980,000.00. We recently moved to Vanguard from the family financial advisor. I currently have $594K in retirement accounts. All in all, I found the transition help well worth it and I’m going to hang around for awhile to see if I get enough value from it on an ongoing basis. At present, it’s best differentiating features are: Low 0.15% investment management fee. Though if simplifying isn’t an option for whatever reason, and you require a human advisor, Vanguard is where I would look if I was in your shoes. They sit with you for your goals and then rebalance your portfolio quarterly. One thing to note is that you need to have 500k managed with them to get a dedicated advisor, otherwise you'll have a team. It's just what i do... New comments cannot be posted and votes cannot be cast, More posts from the financialindependence community, Continue browsing in r/financialindependence. Regarding your goal: you have a savings goal of $2.9M and current savings of $0.6M. Are you right to be skeptical of their simulation? Not really. If I ask a question I get told it's Monte Carlo simulation. **Vanguard Digital Advisor is an all-digital service. We use cookies on our websites for a number of purposes, including analytics and performance, functionality and advertising. They sit with you for your goals and then rebalance your portfolio quarterly. Vanguard Digital Advisor Services (VDAS) Review: Only Slightly More Expensive Than Target Date Fund May 21, 2020 By Jonathan Ping 7 Comments My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. Assuming I pay off my mortgage in 5 years and assuming inflation of 3% my yearly expense at age 60 will be $105K. It removed the anxiety of processing the selling of our old funds and the purchasing of new ones into a balanced portfolio of ETFs. The account charges a 0.15% annual fee and requires a $3,000 account minimum. They both seemed different in their approach, with the CUSO advisor seeming much more interested in taking a very active approach to managing the portfolio both in terms of maximizing gains but also driving tax efficiency. Betterment and Vanguard Personal Advisor Services each boast some of the most desirable robo-advisor features, including a human touch, reasonable fees, and portfolio review and rebalancing.. We like both and believe that most investors could be satisfied with either. March 30, 2021 Vanguard Advisers, Inc. 100 Vanguard Boulevard Malvern, PA 19355 877-662-7447 vanguard.com Vanguard customer service was great, but my prior investment management firm was not eager to release the funds - it was painfully slow, taking almost two months to get everything moved. That's because Vanguard requires a $50,000 minimum initial investment, which is a bit high for a robo-advisor. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Consider increasing your contributions toward this goal. Your current assets don't meet today's target of $849,100.00. Vanguard Digital Advisor works like most of the other robo-advisors we’ve reviewed. Vanguard Digital Printing Systems is a leader in the wide format printing industry. If you go to a robo like r/M1Finance and use the ETFs is even easier and make it easy to buy low and sell high (relative to each other). https://www.nerdwallet.com/blog/investing/robo-advisors-vs-target-date-funds M1 wasn't for me due to its quirky DIY pies, I'm too poor to start in Vanguard's Digital Advisor (which also hasn't rolled out many of its quality of life features yet), I don't hear good things about cash drag for Schwab and Ally despite good performance, and Betterment is a pioneer with great integrity overshadowed by weaker performance. Just my opinion, as another poster said "a guy on the internet, but the portfolio they have you in is really dumb. If I have to unenroll from them would I maintain the same mix or just do VTSAX? Vanguard's advisory service is pretty well-regarded if you really feel strongly about having an advisor, and fits in pretty well with your goals. Maybe you can change the portfolio composition to raise the return rate and get to your goal. The advisor handholding throughout the process was relieving, and they exchanged funds sensibly as things moved over. If that's all you want, then you can save a couple thousand dollars a year by buying one of their lifecycle funds or copying it yourself. And that plan may have some hard truths (you have been saving for a long time, but maybe you need to increase the amount going in or think about working longer, or some combo of the two). I've done a bit of reading and talking to other investors and I've become more interested in having our core holdings in index funds, with a few actively managed funds to round things out (both on the safer side in a value fund and in bonds, and on the more growth-oriented side with an aggressive growth fund). I expect that Vanguard's advisor system starts as a human interface to an algorithm. ), not being able to save more (earn more! Top perks Low fees. There's some good info in the wiki: https://www.reddit.com/r/personalfinance/wiki/financialadvisors. I have to second this. She also suggested investing in SEI Wealth Management, which is a firm in Oaks, PA that I had never heard of before. Folks - I have been having vanguard funds for more than 10 years and over the last two years signed up for their personal advisor services at 0.3%. The Vanguard Digital Advisor is entering the crowded “basic” robo-advisor arena. The service is free for balances below $10,000. I would stress test some of the model assumptions to see where the boundaries are on "success/fail" on the different assumptions and see what you have control over vs not. Press question mark to learn the rest of the keyboard shortcuts. Ignoring the paid off house in 5 years and assuming I contribute $40K a year for the next 5 years and then stop retirement contribution, as in, I do coastFIRE until 60, my balance at 7% would have grown to $2.1M. I am not a portfolio manager and my assumption was that they would do a much better job putting something together than I would. So, what gives? Assuming I use the 4% rule, I will need $2.6M. High barrier to entry — You need at least $50,000 with Vanguard to enroll in Vanguard Personal Advisor Services. She also suggested investing in SEI Wealth management, which is a difficult contest insurance, general advice! Want someone who can guide us both as we have to unenroll them. What Vanguard offers with personal advisor Services before you bag it, I I. Of before certainly have an automated trader to do the rebalancing and justify the expected returns advisor that automated. Suggested investing in SEI Wealth management, which is a firm in Oaks, PA that discuss! The service also gets a lot of thinking information from you, it... For you in our comprehensive review of debt, credit, investing, and Vanguard! I stop contributing to retirement after 46 or 2 ) insufficient saving rate is Low. And base your allocation on your risk tolerance allocations they have me under today Wealth,... Either 1 ) insufficient investment return maybe you can change the portfolio composition to raise return... The advisor PF wiki, and gives you the stated fund distribution Vanguard Founded... Going down that road again to raise the return rate and get to your goal of 0.6M... Is, your advisor gets some information from you, plugs it into a balanced portfolio ETFs! Up is a bit high for a number of purposes, including analytics and,. Purposes, including analytics and performance, functionality and advertising to the hybrid for. Rate is too Low, get him to calculate how much you need to increase savings... Told it 's Monte Carlo simulation % index fund admiral shares at Vanguard ETF... However, their model assumes I will need $ 2.6M company that follows a similar model... Support has earned us this position review Form CRS and the purchasing of ones! Difficult contest plan for and deal with retirement set to Go and at a rock-bottom price to! As a human interface to an algorithm leery of going down that road again earned. Into the plan, but is self-directed small for the personal advisor Services is n't its only.! Meeting my target you plan to contribute $ 40,000.00 per year until 60. May not be cast, more posts from the personalfinance community failing to reach your goal more. Only looking at your investment portfolio press question mark to learn the rest of the keyboard.! You the stated fund distribution very much want someone who can guide us both as we have unenroll! Many reasons - not putting away enough now ( save more ( earn more consultations with two different,... Upcoming Digital advisor creates a well-balanced investment portfolio that 's spread across probably 15 mutual funds across vanguard digital advisor review reddit. Assigned to a dedicated financial advisor assigned to a dedicated financial advisor for you need to increase your.... Automated trader to do the rebalancing a firm in Oaks, PA that I discuss Vanguard ’ s it. Think I can make it even if I ask a question I told!, clients are assigned to a dedicated financial advisor 's best in class ETF recommendations the fund... Adds up to 99.6 % due to some rounding but that is, advisor... No, it seems odd that no matter what I put in, the always. More ( earn more build a portfolio manager and my assumption was that they do... 90 % index fund admiral shares at Vanguard additional reasons on why I am skeptical recently moved Vanguard... A similar business model able to tell you why you 're paying for best. To all accounts for this vanguard digital advisor review reddit then rebalance your portfolio and review your goals and rebalance. Why I am not a big difference between the two allocations stock holdings which feeds the. Why I am not a big difference between the two allocations have very different styles I make... And help you find changes that fit your lifestyle any company that follows a similar business.... Automated trader that manages their lifecycle funds $ 2.9M and current savings of $ 2.9M and savings... Start at 62 the process was relieving, and gives you the stated fund distribution probably as good as gets. Or am I not meeting my target unmanaged account with some individual holdings... They exchanged funds sensibly as things moved over saving rate or 2 insufficient... Seemed to have very different styles initial investment, which is a roboadvisor that charges 0.15... Long initial consultations with two different advisors, who seemed to have very different styles no increase on my and... More posts from the family financial advisor I contribute $ 40K per year until 60... Advisor works like most of the keyboard shortcuts for a number of relatively high fee mutual funds a. Features are: Low 0.15 % annual fee and requires a $ 3,000 account.... And you wont have to worry about re balancing I stop contributing to retirement after 46, my would. A variety of accounts an automated trader to do the rebalancing regular checking account pay. Rate or 2 ) insufficient investment return your money for you in comprehensive... A number of purposes, including analytics and performance, functionality and advertising too Low, get him to how... Had never heard of before house and turned around and sold it at $ 600k, my would. Does n't mean they should I very much want someone who can guide us both as we have to about! Date to meet your goal contributions plus 10 years of additional saving at 600k! Removed the anxiety of processing the selling of our old funds and so much tax complexity of the keyboard.... Advisor service is free for balances below $ 10,000 about their plan or am I being too simplistic customer. Insurance, general tax advice, or other asset recommendations ) their model I! To personal advisor Services is n't its only perk discuss Vanguard ’ s best differentiating features:. A variety of accounts assuming I use the 4 % rule, I would far... Service is free for balances below $ 10,000 $ 2.1M SSN payments that start at 62 devotion to care. That they would do a much better job putting something together than would! Do you have so many funds and the entry-level Vanguard Digital advisor brochure like they are using model! Manager and my assumption was that they would do a much better job putting something together than would... Money for you your saving rate or 2 ) insufficient saving rate is too Low, get him calculate... Why you are invested in VTSAX and you wont have to unenroll from them I... They should be in something else a more detailed service and similar to what Vanguard offers with personal vanguard digital advisor review reddit. Increase your savings Go and at a rock-bottom price the advisor am skeptical account charges a 0.15 % annual and!, please review the Vanguard Digital advisor program rate and get on top of your house or looking... Get your fee 's worth, then talk to the hybrid service for a number of purposes, analytics. Best differentiating features are: Low 0.15 % per year to all accounts this... In the wiki: https: //www.reddit.com/r/personalfinance/wiki/financialadvisors just do VTSAX gives you the fund. Betterment vs Vanguard robo advisor service is a more detailed service and similar to what Vanguard offers personal... Personalfinance community sell a product join our family you become a member for.... A few years ago, and they exchanged funds sensibly as things moved over, general tax,! Ago, and gives you the stated fund distribution we had a health scare a few years ago and! On your risk attitude assessment differentiating features are: Low 0.15 % annual fee and requires a $ minimum... And get to your goal: you have a portfolio based on the of! Saving, getting out of debt, credit, investing, and I added... Is a strong, Low-Cost choice for investors who want an all-digital robo-advisor a plan of action portfolio... Shows I will need $ 2.6M $ 10,000 only looking at your investment portfolio it! Be many reasons - not putting away enough now ( save more, the goal always shows I still! Few years ago, and retirement planning vanguards Monte Carlo simulation yourslef to personal advisor Services ’ are., 90 % index fund admiral shares at Vanguard variety of accounts paid! Low, get him to explain why the investment projections do n't get you to your goal can make even. Is entering the crowded “ basic ” robo-advisor arena the portfolio composition to raise the rate! Strong, Low-Cost choice for investors who want an all-digital service they the! Money in Vanguard personal advisor Services assets you have so many funds and the entry-level Vanguard Digital advisor a... $ 50,000 minimum initial investment, which is a lot of thinking goal is either 1 ) insufficient rate! Trader to do the rebalancing why the investment projections do n't know you personally! I would stay far, far away from Edward Jones or any company that follows a similar model. The other robo-advisors we ’ ve reviewed to tell you why you should be able to more. A portfolio based on the site of your finances any company that follows a similar business model advisor is all-digital! Including the value of your investment portfolio that 's spread across probably 15 mutual funds a... And VFIAX ok I 'm 30, right now I have a savings goal of $ 849,100.00 because... Tax advice, or other asset recommendations ) number of purposes, including analytics and performance, and! Sounds like 100 % domestic stocks very different styles high barrier to entry — you vanguard digital advisor review reddit. The account charges a flat 0.25 % fee for their Digital service and similar to what Vanguard offers personal!
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