This tool will produce a recommendation for an investment portfolio comprising only mutual funds and no other investment products. You can use this tool to help you determine an asset allocation (the percentages of your identified assets you invest in stocks, bonds, and short-term reserves) and an investment for your mutual fund account that may best suit your goals. After you answer the questions, this tool will provide a suggested asset allocation and a recommendation for one or more Vanguard funds that target that allocation. The recommendation will be for one of the following:

1. A diversified portfolio consisting of the investor share class of up to four broad-market stock and bond index fundsVanguard Total Stock Market Index Fund, Vanguard Total International Stock Index Fund, Vanguard Total Bond Market Index Fund, and Vanguard Total International Bond Market Index Fundif you are investing for a long-term goal and the investment amount meets applicable fund minimums;
2. A Vanguard LifeStrategy Fund if you are investing for a long-term goal and the investment amount does not meet the applicable fund minimums needed to create a multi-fund portfolio as described above; or
3. Vanguard Prime Money Market Fund if you are investing for a short-term goal.

Recommendations are limited to the investable asset amount you provide within the tool. Portfolio tax efficiency, asset location, and assets that you may own (with or outside Vanguard) are not considered. 

To use this tool, you must consent to the electronic delivery of the Vanguard Advisers, Inc. brochure and Vanguard privacy policy and accept the terms and conditions of use below.

You are under no obligation to accept the suggestions provided by this tool. The recommendations provided are based on generally accepted investment principles. There is no guarantee, however, that any particular fund, group of funds, or asset allocation will meet your investment objectives. All investments involve risks, and fluctuations in the financial markets and other factors may cause declines in the value of your account. You should carefully consider all of your options before investing.

This tool is provided to you free of charge by Vanguard Advisers, Inc. It does not provide comprehensive investment or financial advice and will produce a recommendation for investing in mutual funds only. In applying the suggestions to your particular situation, you should consider your other assets and investments. As your financial circumstances or goals change, you may want to use the tool again to see which funds may be most appropriate for your situation. Vanguard Advisers, Inc. is not responsible for reviewing your financial situation or updating the suggestions contained herein.

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By using this investment planning tool, you acknowledge that you have read and understood the information above and that you agree to:

1. Electronic delivery of our brochure and privacy policy.  
2. The Vanguard Advisers, Inc. terms and conditions.