Thrifty investors can benefit from both low expenses and broad diversification by exploring some of Vanguard’s top index funds tailored for beginners.
Index funds have been one of the primary drivers of lower-cost investing over the past couple decades. These rules-based investing vehicles are largely run by algorithm, not an expensive team of managers, allowing investors to easily access dozens or hundreds of stocks, bonds, and other assets at a time—all without breaking the bank.
You can thank The Vanguard Group for that. In 1976, Vanguard founder John Bogle launched the Vanguard First Index Investment Trust—the first U.S. index fund that everyday investors could access. Ever since, Vanguard has been one of the leading names in not just low-cost index investing, but low-cost funds in general.
Today, though, we’re going to show you how to pair index investing and Vanguard’s inexpensive lineup to build an extremely cost-efficient starter portfolio.
Read on as we examine some of the best Vanguard index funds for beginners in 2024. These products will cover numerous investing strategies, so there should be at least one fund for virtually every type of investor—though most people would likely combine several of these to build the base of their portfolio. We’ll also introduce you to index investing and The Vanguard Group, and answer a few frequently asked questions.
Disclaimer: This article does not constitute individualized investment advice. These funds appear for your consideration and not as investment recommendations. Act at your own discretion.
Editor’s Note: Tabular information presented in this article are up-to-date as of Sept. 30, 2024.
Table of Contents
What Is an Index Fund?
Most investors own index funds, whether they realize it or not. They are the dominant investment vehicle in most retirement plans these days, and with good reason: Low-cost index funds generally perform as well or better than most actively managed funds.
And naturally, Vanguard Group—which launched the very first index fund for U.S. retail investors more than 40 years ago—is a leader in index funds. If your workplace offers a 401(k) plan, it likely offers some of the best Vanguard index funds; if you have a brokerage account, you certainly have access to these products.
But if you’re new to investing, you need to understand what index funds do. So first, let’s look under the hood to see what makes the best index funds tick.
The best way to explain index funds is to compare them to their cousins: actively managed funds.
What Are Actively Managed Funds?
Actively managed funds are run by one or more fund managers, who collect money from investors, then allocate that money to stocks, bonds, or other assets. With active funds, the managers are often tasked with beating some sort of benchmark index, but they’ll generally have a lot of discretion as to what they can buy and sell to accomplish that.
How Do Actively Managed Funds Compare to Index Funds?
Index funds, in contrast, are passive. The fund manager isn’t actively looking to “beat the market” or “beat an index.” They’re simply looking to mimic a stock market index—like, say, the S&P 500—enjoying that underlying investment exposure. (Indeed, one of the best Vanguard index funds is its core S&P 500 offering.)
Let’s use the S&P 500 as an example. The S&P 500 holds the stocks of 500 companies, but it doesn’t hold equal amounts of each—it “weights” each stock by size. The larger the market capitalization (stock price times number of shares outstanding), the larger the percentage of the index is allocated to that stock. As I write this, the S&P 500 gives tech stocks Microsoft (MSFT) and Apple (AAPL) 7.1% and 5.6% weights, respectively. So an index fund mimicking the S&P 500 should dedicate 7.1% of its assets to MSFT, and 5.6% to AAPL.
Related: WealthUp’s Winningest Tech Stocks for 2024
Is There An Advantage to Using Actively Managed Funds?
The primary advantage of actively managed funds is that a talented manager can potentially outperform over time and might be adept at navigating a difficult period such as a bear market. But you pay for that possibility in the form of higher fees and often worse tax efficiency.
With index investing, you generally get much lower costs in terms of management fees and trading expenses, better tax efficiency, and performance that often ends up being better than that of many active managers.
Related: 12 Best Long-Term Stocks to Buy and Hold Forever
If you believe the stock market will generally rise over time, an index fund is the easiest and most direct way to get exposure.
Why Vanguard?
Vanguard Group is a leader in index funds. Vanguard founder Jack Bogle launched the first Vanguard index fund for U.S. retail investors—the Vanguard First Index Investment Trust, which is now the Vanguard 500 Index Fund Admiral Shares (VFIAX)—in 1976. And in the four-and-a-half decades that have followed, Vanguard Funds have grown to become the dominant force in index investing.
Today, this former upstart mutual fund company has more than $8.0 trillion in assets under management with an average expense ratio of just 0.08%, or a mere 80¢ for every $1,000 invested. There are currently 424 Vanguard funds, including mutual funds and ETFs. And Vanguard index funds cover every conceivable pocket of the investable universe, including individual sector funds and emerging markets.
Vanguard grew into the powerhouse mutual fund company it is today by taking care of its clients and genuinely looking after their interests. Vanguard funds really started and continue to accelerate the trend of fee compression. We all collectively pay less in fees and expenses and enjoy better returns because of the index revolution started and led by Vanguard’s founder Jack Bogle.
Today, we’re going to take a look at the very best Vanguard index funds for beginners. They run the gamut in terms of styles and strategies, but all of the best Vanguard funds share one thing in common: They all have rock-bottom fees.
The 7 Top Beginner-Friendly Index Funds From Vanguard
It’s not particularly easy to narrow down the universe of Vanguard funds to just seven of the very best Vanguard index funds. And this list shouldn’t be considered a comprehensive portfolio.
But you can absolutely use these to build a starter portfolio. For the beginning investor, this particular mix of Vanguard funds covers the major bases, giving you exposure to U.S. stocks, stocks in developed and emerging markets, and government and corporate bonds.
This list is also heavy in what are called “Admiral Shares,” which is a popular Vanguard share class. Admiral Shares generally have a slightly higher investment minimum but a lower expense ratio. However, if the investment minimums are difficult for you to meet, good news: You can probably buy it as an ETF, which you can buy for as little as one share, and we’ll let you know when that’s the case.
With that said, let’s jump into it.
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Best Large-Cap Fund: Vanguard 500 Index Fund Admiral Shares
— Type: U.S. large-cap stock
— Assets under management: $542.1 billion
— Expense ratio: 0.04%, or 40¢ per year for every $1,000 invested
— Dividend yield: 1.3%
— Minimum initial investment: $3,000
The vast majority of fund managers who run large-cap funds (funds that invest in larger companies) struggle to consistently beat the S&P 500 index, particularly after fees. One of the most powerful stats comes from investing data provider S&P Dow Jones Indices (emphasis ours):
“Although active managers in a number of categories were able to outpace their benchmarks in the first six months of [2023], in our largest and most closely watched comparison, 60% of all active large-cap U.S. equity managers underperformed the S&P 500.“
That continues roughly a decade of active managers underperforming the index. So … I say if you can’t beat it, join it.
The Vanguard 500 Index Fund Admiral Shares (VFIAX) boasts more than $540 billion in assets under management, and that’s just in the VFIAX share class. Across all share classes, this fund manages more than $1.2 trillion! Meanwhile, VFIAX offers an expense ratio of just 0.04%—that’s not free, but it’s awfully close.
Related: The Best REITs to Invest In for 2024
The S&P 500 is a collection of the largest and most dominant American companies. To be selected for this stock market index, a company must have a market capitalization of at least $18.0 billion, its shares must be highly liquid (shares are frequently bought and sold), and at least 50% of its outstanding shares must be available for public trading, it must have positive earnings in the most recent quarter, and the sum of its previous four quarters must be positive. Once a company is in the index, it doesn’t necessarily get kicked out if it fails to meet all of the criteria at some point in the future, but the selection committee would take that under consideration.
Turnover (how much the fund tends to buy and sell holdings) tends to be low, as only a handful of stocks enter or leave the index in any given year. This makes VFIAX an extremely tax-efficient option for taxable investors. This may be Vanguard’s oldest index strategy, but it remains one of the very best Vanguard index funds.
If the $3,000 minimum is a problem, the exact same strategy is available via the Vanguard S&P 500 ETF (VOO), which charges an even cheaper 0.03% in annual expenses. At time of writing, a single share can be purchased for around $520. (Though thanks to fractional shares, you can buy a slice of VOO for as little as $1.)
Related: Best Vanguard Retirement Funds for a 401(k) Plan
Best Dividend Fund: Vanguard High Dividend Yield Index Fund Admiral Shares
— Type: U.S. dividend stock
— Assets under management: $13.7 billion
— Expense ratio: 0.08%, or 80¢ per year for every $1,000 invested
— Dividend yield: 2.8%
— Minimum initial investment: $3,000
As 2022 made abundantly clear, we cannot always depend on stock price returns to materialize when we want or need them. But dividends allow you to realize a steady stream of returns without having to sell your shares at potentially inopportune times.
Furthermore, dividend stocks tend to be more stable, mature, and shareholder-focused than their non-dividend-paying peers.
One of the best Vanguard index funds for the beginning investor is the Vanguard High Dividend Yield Index Fund Admiral Shares (VHYAX), an index fund that tracks the FTSE High Dividend Yield Index. The companies in the index have a history of paying above-average dividends, and the fund yields a competitive 2.8%. (For comparison’s sake, VFIAX, which tracks the S&P 500, yields just 1.3%.)
Related: 5 Best Vanguard Dividend Funds [Low-Cost Income]
As you might expect from a dividend-focused mutual fund, the Vanguard High Dividend Yield Index Fund has a high allocation to steady “blue chips” (stocks of large, established holdings). Its largest holdings are JPMorgan Chase (JPM), Exxon Mobil (XOM), and Broadcom (AVGO). Its largest industry weightings are to financials (22%), consumer staples (12%), industrials (12%), and healthcare (12%). On the flip side, technology—which dominates most growth indexes—makes up only about 9%. This makes VDIGX a solid diversification option for beginning investors looking to spread their risk around.
Related: 13 Dividend Kings for Royally Resilient Income
If the $3,000 minimum is a challenge for a beginning investor, the same strategy is offered as an ETF via the Vanguard High Dividend Yield ETF (VYM), which charges 0.06% in annual expenses. At time of writing, a single share can be purchased for around $125.
Related: 15 Best Stock Research & Analysis Apps, Tools and Sites
Best Dividend Growth Fund: Vanguard Dividend Appreciation Index Fund Admiral Shares
— Type: U.S. dividend stock
— Assets under management: $15.8 billion
— Expense ratio: 0.08%, or 80¢ per year for every $1,000 invested
— Dividend yield: 1.7%
— Minimum initial investment: $3,000
There’s more to dividend investing than simply seeking out the highest yield. In fact, the yield itself is only one small part of the story.
The payment of dividends serves as a quality filter. Earnings can be manipulated by clever accountants, but dividends have to be paid in cold, hard cash. There’s no room for fudging there.
Related: The 7 Best Vanguard ETFs for 2024 [Build a Low-Cost Portfolio]
Furthermore, there is no better sign of company health than a long history of rising dividends. As the old Wall Street maxim goes: The safest dividend is the one that was just raised. And on the other side, slashing a dividend is a major embarrassment for management and tends to infuriate shareholders. So you can bet that company boards only raise the dividend when they are confident they will have the cash to back it up.
For this reason, the Vanguard Dividend Appreciation Index Fund Admiral Shares (VDADX) is one of the very best Vanguard index funds for those looking to invest for the long haul.
Related: The 24 Best ETFs to Buy for a Prosperous 2024
The Vanguard Dividend Appreciation Index Fund tracks the performance of the S&P U.S. Dividend Growers Index, which is composed of U.S. companies that have followed a policy of consistently increasing dividends every year for at least 10 consecutive years. As an additional filter, the index excludes the top 25% highest-yielding eligible companies from the index, as exceptionally high-yielding stocks are often at risk for dividend cuts.
Despite its name, income is not VDADX’s main allure. The Vanguard mutual fund’s dividend yield is a very modest 1.7%, not materially higher than that of the S&P 500. But it most assuredly is a collection of some of the strongest and most shareholder-friendly dividend growth stocks in America.
If the $3,000 minimum is a stretch on your budget, the same strategy is available via the Vanguard Dividend Appreciation ETF (VIG), which charges 0.06% in annual expenses and trades for around $195 per share.
Related: The 7 Best Dividend ETFs [Get Income + Diversify]
Best ESG Fund: Vanguard ESG U.S. Stock ETF
— Type: U.S. small-cap stock
— Assets under management: $9.3 billion
— Expense ratio: 0.09%, or 90¢ per year for every $1,000 invested
— Dividend yield: 1.1%
— Minimum initial investment: N/A*
As a general rule, it’s probably better to keep your political views separate from your investment decisions. Politics tends to be emotional, and it’s generally best to strip out your emotions when investing and stick with the numbers.
That said, many investors feel strongly that investing should be ethical, and they have serious moral qualms about investing in certain industries or in companies with questionable labor practices or corporate governance. Furthermore, studies have found that companies with strong corporate governance structures in place tend to outperform, and companies with good labor relations tend to do a better job of avoiding costly strikes or work stoppages.
For investors wanting to feel good about their investments, the Vanguard ESG U.S. Stock ETF (ESGV) is a solid option.
Related: The 7 Best Dividend ETFs [Get Income + Diversify]
This Vanguard ETF seeks to track the performance of the FTSE US All Cap Choice Index, a market-cap-weighted index screened for environmental, social, and corporate governance (ESG) criteria. The index excludes stocks of companies related to adult entertainment, alcohol, tobacco, cannabis, gambling, chemical and biological weapons, cluster munitions, anti-personnel landmines, nuclear weapons, conventional military weapons, civilian firearms, nuclear power, and coal, oil, or gas. It also excludes stocks of companies that do not meet certain labor, human rights, environmental, and anti-corruption standards as defined by the UN Global Compact Principles and companies that do not meet certain diversity criteria.
The resulting portfolio is nearly 1,500 qualifying stocks, which you can get for a low 0.09% in annual fees.
* As an ETF, ESGV has no minimum initial investment. You can buy as little as one share (or a fraction of a share if your brokerage supports fractional shares).
Related: Best Vanguard Retirement Funds for an IRA
Best International Developed Markets Fund: Vanguard Developed Markets Index Fund Admiral Shares
— Type: Developed markets large-cap stocks
— Assets under management: $29.4 billion
— Expense ratio: 0.07%, or 70¢ per year for every $1,000 invested
— Dividend yield: 2.8%
— Minimum initial investment: $3,000
The United States is the world’s largest economy and home to many of the world’s most innovative and profitable companies. And American investors have expenses denominated in U.S. dollars. So, it only makes sense to keep the bulk of your investments in U.S. assets.
That said, opportunities abound in developed (established, slower-growing) and emerging (less stable but faster-growing) markets as well, and there can be multi-year stretches in which non-U.S. stocks massively outperform their American peers. This was certainly the case from 2000-08, the last major bull market in overseas shares.
Related: 12 Best Long-Term Stocks to Buy and Hold Forever
For index exposure to the world’s major developed foreign markets, consider the Vanguard Developed Markets Index Fund Admiral Shares (VTMGX). The fund tracks the performance of the FTSE Developed All Cap ex US Index, a market-cap-weighted index that is made up of approximately 4,000 common stocks of large- mid-, and small-cap stocks located in Europe, Canada, and the Pacific region. Approximately 54% of the fund is invested in European shares, 36% in Asia and the Pacific Rim, and 10% in North America.
VTMGX pays an attractive dividend yield of 2.8% and has an expense ratio of just 0.07%.
If the $3,000 investment minimum is a little on the high side for you, consider the Vanguard FTSE Developed Markets ETF (VEA). It tracks the same index, charges just 0.05%, and a single share can be bought for a little over $50 as of this writing.
Related: Best Fidelity Retirement Funds for a 401(k) Plan
Best International Emerging Markets Fund: Vanguard Emerging Markets Stock Index Fund Admiral Shares
— Type: International large-cap stocks
— Assets under management: $16.6 billion
— Expense ratio: 0.14%, or $1.40 per year for every $1,000 invested
— Dividend yield: 2.5%
— Minimum initial investment: $3,000
The United States is still the world’s idea factory, but it is also already a developed country with high living standards. The same is true of Canada, Japan, and much of Europe. In a developed country, annual economic growth of 3% to 4% is a cause for celebration.
But it’s a much different story in emerging markets. Because they are starting at lower levels of development, it’s possible for them to grow significantly faster than their developed-world peers. Economic growth in excess of 8% or even 10% is not uncommon during booms.
Related: 5 Best Money Market Funds [Protect Your Savings]
For broad index exposure to emerging markets, consider the Vanguard Emerging Markets Stock Index Fund Admiral Shares (VEMAX). The Vanguard fund tracks the performance of the FTSE Emerging Markets All Cap China A Inclusion Index, a market-cap-weighted index that is made up of more than 5,700 common stocks of companies located in emerging markets around the world. Despite the index having “China” in its name, the fund has less than a third of its assets in Chinese securities. It also has large exposure to India, Taiwan, Brazil, and a host of other developing countries.
Related: The 7 Best Mutual Funds for Beginners
Emerging markets have really struggled over the past decade, and the COVID pandemic didn’t help. And tightening monetary policy from the Federal Reserve and other major central banks also tends to hit emerging markets particularly hard. So, you might want to start small when investing in emerging markets, then gradually build your position over time. But if you believe in the long-term growth prospects of the developing world, it certainly makes sense to have exposure here.
As with most Vanguard Admiral shares, the Vanguard emerging market fund has a $3,000 minimum investment. If this is too steep for you, consider the Vanguard FTSE Emerging Markets ETF (VWO). It runs the same portfolio, has an even cheaper 0.08% expense ratio, and shares trade for around $50.
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Best Bond Fund: Vanguard Short-Term Bond Index Fund Admiral Shares
— Type: U.S. short-term bonds
— Assets under management: $12.6 billion
— Expense ratio: 0.07%, or 70¢ per year for every $1,000 invested
— SEC yield: 3.8%*
— Minimum initial investment: $3,000
2022 and 2023 were volatile years in the stock market, but they were also turbulent for long-term bonds. Bonds that mature in 20 to 30 years actually saw greater price declines than the S&P 500!
So if you are looking to earn a competitive yield while keeping your portfolio safe from wild price swings, consider the Vanguard Short-Term Bond Index Fund Admiral Shares (VBIRX), a diversified bond index fund including both government and corporate bonds.
The Vanguard Short-Term Bond Index Fund attempts to track the performance of the Bloomberg U.S. 1-5 Year Government/Credit Float Adjusted Index. Now, this fund doesn’t hold all of the bonds in the benchmark—instead, it uses “sampling” to hold fewer bonds while still closely matching index characteristics such as sector weight, maturity, coupon, and credit quality. Even then, this is a very diversified portfolio of roughly 2,650 bonds (versus the benchmark’s 3,500 or so).
Related: 5 Best Money Market Funds [Protect Your Savings]
Currently, this Vanguard index fund invests about 66% of assets in U.S. government bonds, and most of the rest in corporate bonds. Given the relatively short duration of the bonds in the portfolio, the fund’s risk to rising interest rates is low. (Duration is a measure of bond risk. VBIRX’s duration of 2.6 years implies that a 1-percentage-point rise in interest rates would mean a short-term capital loss of about 2.6% for the fund. And vice versa: A 1-point rise should result in a 2.6% gain for VBIRX.)
Like the other Vanguard funds on the list, VBIRX has a $3,000 minimum initial investment. If this is an issue, the same strategy can be followed via the Vanguard Short-Term Bond ETF (BSV), which charges 0.04% annually and trades for around $78 per share.
* An SEC yield reflects the interest earned across the most recent 30-day period. This is a standard measure for funds holding bonds and preferred stocks.
Related: 11 Best Non-Stock Investments [Alternatives to the Stock Market]
What are Vanguard Target Retirement Funds?
If you are new to investing and looking for a simple, hands-off way to get started, a Vanguard Target Retirement Fund could be a good option.
Investing in mutual funds isn’t difficult, but it does require your attention. You should regularly check your allocation to make sure that the risk you’re taking is appropriate for your age and stage of life. You generally don’t want to be too heavy in stocks later in life, as you won’t have time to recover any potential losses. And you generally don’t want to be too heavy in bonds early in your career because you’re unlikely to keep pace with inflation. Ideally, you follow a glidepath from a more aggressive to a more conservative portfolio over the course of your investing life.
Related: Beginner’s Guide to Schwab Target-Date Funds
Well, Vanguard Target Retirement Funds do that for you, making them particularly good options for beginners.
Target-date funds start out by compiling their holdings with a specific retirement date in mind, then they adjust the asset allocation as we get closer to that date. A target-date fund with decades until the retirement date will generally be heavy in stocks, whereas a target-date fund very close to its retirement year will generally be a moderate balance of stocks and bonds.
Let’s say you’re 23 years old, fresh out of school, and looking to retire around the age of 70. You’d hit that age in the year 2070, which would make the Vanguard Target Retirement 2070 Fund (VSVNX) an appropriate option. But let’s say you’re 43. You’ll likely be retiring around the year 2050, so rather than buy VSVNX, you might instead opt for its sister fund, the Vanguard Target Retirement 2050 Fund (VFIFX).
You don’t have to get the year exactly right here, as we don’t necessarily know decades ahead of time the precise day and time we intend to retire. Being within a three- to five-year window will generally get you close enough. The key is simply to find a target-date fund that aligns fairly closely to your expected retirement date and allow the glidepath to do the work for you. My suggestion: Check out our review of Vanguard’s full line of target-date funds to make sure you get both the right date and the right fund type for you.
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Why Does a Fund’s Expense Ratio Matter So Much?
Every dollar you pay in expenses is a dollar that comes directly out of your returns. So, it is absolutely in your best interests to keep your expense ratios to an absolute minimum.
The expense ratio is the percentage of your investment lost each year to management fees, trading expenses and other fund expenses. Because index funds are passively managed and don’t have large staffs of portfolio managers and analysts to pay, they tend to have some of the lowest expense ratios of all mutual funds.
Related: The 7 Best Index Funds for Beginners
This matters because every dollar not lost to expenses is a dollar that is available to grow and compound. And over an investing lifetime, even a half a percent can have a huge impact. If you invest just $1,000 in a fund generating 5% per year after fees, over a 30-year horizon, it will grow to $4,116. However, if you invested $1,000 in the same fund, but it had an additional 50 basis points in fees (so it only generated 4.5% per year in returns), it would grow to only $3,584 over the same period.
What is the Minimum Investment Amount on a Vanguard Fund?
Vanguard funds are known for being shareholder-friendly. The Vanguard mutual fund company blazed new trails with the index fund, and Vanguard has done more than any other investment firm to keep costs to a minimum for investors.
But there is one hitch. Many of Vanguard’s cheapest funds in terms of fees have initial investment minimums of around $3,000.
If that is a problem for you, don’t sweat it. Most popular Vanguard index funds are also available as ETFs. Most brokers will allow you to buy as little as one share, and some even allow for fractional shares. And if you use a commission-free brokerage, you can buy those ETFs without incurring additional fees.
ETF prices vary, of course, but many cost less than $100, and they rarely exceed $400 per share.
Related: 5 Best Vanguard Dividend Funds [Low-Cost Income]
Related: 6 Best Stock Recommendation Services [Stock Picking + Tips]
Stock recommendation services are popular shortcuts that help millions of investors make educated decisions without having to spend hours of time doing research. But just like, say, a driving shortcut, the quality of stock recommendations can vary widely—and who you’re willing to listen to largely boils down to track record and trust.
The natural question, then, is “Which services are worth a shot?” We explore some of the best (and best-known) stock recommendation services.
Related: 12 Best Long-Term Stocks to Buy and Hold Forever
As even novice investors probably know, funds—whether they’re mutual funds or exchange-traded funds (ETFs)—are the simplest and easiest ways to invest in the stock market. But the best long-term stocks also offer many investors a way to stay “invested” intellectually—by following companies they believe in. They also provide investors with the potential for outperformance.
So if your’e looking for a starting point for your own portfolio, look no further. Check out our list of the best long-term stocks for buy-and-hold investors.
Related: Best Target-Date Funds: Vanguard vs. Schwab vs. Fidelity
Looking to simplify your retirement investing? Target-date funds are a great way to pick one fund that aligns with when you plan to retire and then contribute to it for life. These are some of the best funds to own for retirement if you don’t want to make any investment decisions on a regular basis.
We provide an overview of how these funds work, who they’re best for, and then compare the offerings of three leading fund providers: Vanguard, Schwab, and Fidelity.
Related: 9 Best Monthly Dividend Stocks for Frequent, Regular Income
The vast majority of American dividend stocks pay regular, reliable payouts—and they do so at a more frequent clip (quarterly) than dividend stocks in most other countries (typically every six months or year).
Still, if you’ve ever thought to yourself, “it’d sure be nice to collect these dividends more often,” you don’t have to look far. While they’re not terribly common, American exchanges boast dozens of monthly dividend stocks.
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