Pros: Great returns, low costs Cons: Terrible customer service The Vanguard employees one has first phone contact with (not the specialized departments) have the intelligence of rocks, and that is being kind. Did they finish high school, let alone elementary school? It would even be far better to outsource these initial calls to Pakistan or Uzbekistan than deal with these *** Repeated calls and repeated statements verifying the same information over and over again, then long hold times. At the initial call, one has to resort to being belligerent to gain contact with someone who is not an idiot. In addition, there is no place on the Vanguard website to register a customer complaint: Crystal Henderson needs to go back to working at McDonalds. User's recommendation: Avoid contacting by phone if at all possible.