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Recordkeeping

An intentional approach to client success

Personalized experiences for participants

Higher engagement*

87 %
of participants took positive action in their plan.
* Vanguard, as of December 31, 2025.

Smarter decisions*

2 x
more participant action with our personalized approach versus traditional campaigns.

Better outcomes*

68 %
average income replacement ratio for full-career participants.
Personalization is a key driver of participant engagement and a foundational aspect of our participant experience. We believe that giving participants individualized attention is the most effective way to help them engage, act, and achieve better outcomes. We design experiences that adapt to individual needs, preferences, and life stages, so participants can take meaningful steps toward financial wellness.
At the heart of this approach is our personalization engine, which evaluates participant data to deliver the right message at the right time, through the right channel. These messages, or “nudges,” are powered by a blend of artificial intelligence, behavioral finance, and real-time insights, offering personalized best next actions that reflect each participant’s unique journey and helping them more forward with clarity and confidence.

Inspiring positive actions through the retirement journey

We continuously innovate to help drive financial wellness at every stage. See a comprehensive view of our latest enhancements and what’s on the horizon.

New participant experience dashboard

  • Allows for easier navigation.
  • Provides a single, personalized view of participant information.
  • Encourages participants to take smart financial steps.

Retirement Savings Maximizer tool

  • Delivers comprehensive financial guidance.
  • Incorporates 529 plans, taxable brokerage accounts, and savings.
  • Helps participants maximize their overall savings strategy.

Transaction Hub for mobile app

  • Improves the app’s wayfinding.
  • Makes it easier for participants to access all web transactions.
  • Designed for both Android and iOS users.

Choose What’s Next feature

  • Improves how we present best next actions.
  • Gives participants greater control over their financial next steps.

Goals experience

Our goals experience will create a retirement planning journey that understands participants’ saving and investing intentions, providing them with access to tailored guidance, products, and services to help them achieve a secure retirement.

personalized welcome video

44 seconds

Personalized welcome video

This video sets the stage for participant success by including resources to learn more and recommended actions the participant can take immediately to improve their financial well-being.
retirement readiness

23 seconds

Retirement Readiness Coach

We’re using AI to deliver dynamic, adaptive retirement planning experiences that empower participants to make informed financial decisions using the conversational chat interface on our website.
For a comprehensive view of our latest enhancements and what’s on the horizon, see our innovations page.

Let’s talk

Your Vanguard team is here to offer guidance and support to help you and your clients achieve the best possible outcomes. Enter your email below and we’ll be in touch shortly.
Specialized Support Go to Investments

All investing is subject to risk, including the possible loss of the money you invest.

For more information about any 529 college savings plan, contact the plan provider to obtain a Program Description, which includes investment objectives, risks, charges, expenses, and other information; read and consider it carefully before investing. If you are not a taxpayer of the state offering the plan, consider before investing whether your or the designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. Vanguard Marketing Corporation serves as distributor for some 529 plans.