Partnership Disclosure We might be compensated by one of our IRA partners for an account you open through our platform. This helps us keep the service free, but it never impacts the fees you’ll pay on your new account. We only win if you do, and our job is to help you simplify your retirement accounts. We also help people who already have an IRA account even though we receive no compensation in these situations—because it’s just the right thing to do!

TD Essentials IRA vs Vanguard Personal Advisor IRA

TD Essentials is a great option if you want An automated portfolio from a big provider of retirement accounts. Customers of TD Bank can also get some discounts on their IRA fees.

Consider Vanguard Personal Advisor if you want An automated portfolio managed by Vanguard, one of the leaders in providing low-cost investment products. Access to this service at Vanguard requires a higher minimum investment ($50,000) but comes with access to human financial advisors.

TD Essentials IRA

Automated

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Best if you want An automated portfolio from a big provider of retirement accounts. Customers of TD Bank can also get some discounts on their IRA fees.
Fees 0.30%
What they invest in All digital advisors create a diversified porfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
Limitations The user experience isn’t as intuitive as newer, digital-first institutions.
Human advisor available? Only an initial consultation
Account Minimums $5,000
Ease of Use 3 stars
Customer Support Mix of online and call center.
Additional Info Read our full review Learn more about TD Ameritrade

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Compare TD Essentials IRA to another IRA product

Vanguard Personal Advisor IRA

Automated

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Best if you want An automated portfolio managed by Vanguard, one of the leaders in providing low-cost investment products. Access to this service at Vanguard requires a higher minimum investment ($50,000) but comes with access to human financial advisors.
Fees 0.30%
What they invest in All digital advisors create a diversified porfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
Limitations Not as easy to use and poorer user experience than newer, digital-focused institutions.
Human advisor available? Yes – you’ll be assigned a full financial advisor to help manage your portfolio.
Account Minimums $50,000
Ease of Use 2 stars
Customer Support Mix of online and call center, with access to human advisors.
Additional Info Read our full review Learn more about Vanguard

Open an Account

Compare Vanguard Personal Advisor IRA to another IRA product

Ready to take control of your assets?

Capitalize helps you consolidate your old 401(k)s by rolling them into an IRA of your choosing. Use an existing IRA if you have one, or we’ll help you open one if you don’t.