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Hi all,
So I posted a few weeks ago about how I had about 50k in savings, was trying to figure out how/where to start an investment portfolio and 401k, and that I was in a career transition and was unemployed for a while.
Well, happy news, I got a job working remote (thank god! 🥳). When I posted, people had lots of different info to share but I’ve still been a little lost.
I want to start my 401k but was unsure what people preferred more between Vanguard and Fidelity, the differences, and why you prefer one or the other. These were the two options I’ve seen the most on this sub.
I think I would want my 401k and investments all in one place for right now starting out, I think it would be much easier for me as someone that is learning all of this completely on my own. But if that’s not a good idea for some reason, please let me know lol
My plan is to take a close to half of my savings, and then split that half into investments and 401k. Any advice is greatly appreciated!
Thanks 🙂
401k’s are typically determined by the employer. You don’t have an option on what provider to use.
My company used Vanguard before, it has been the worst platform that I have ever used (at least for 401k, not sure if all their investment platform is the same.
My company moved to fidelity which happen to be the same one that I used for everything else including regular brokerage, Roth IRA, HSA, etc. super happy about the move. So that I can now manage all my asset in one place (except 5000 cash in Chase checking)
I like it for a few reasons (not necessarily means the competitors doesn’t have these feature or same quality)
– it has very unified UI for across all types of account.
– phone app is pretty good, you can’t do everything on the phone, but all I need is there. The UI isn’t as “nice” as apps like Robinhood or similar fintech companies’ app that. Instead, it’s very traditional, not fancy, feature focusing, not trying to steering you towards what they want you to see. Vanguard on the other hand had been nightmare. At one point, their was app just a browser opening their website, but they seem to make to a proper app now. Check out their app rating on AppStore, you will see. In fact, fidelity even have an separate app called NetBenefits which has additional functions focus on benefits like 401k and IRA etc, allows you to manage it that regular bromate accounts don’t need. I have both and used both, both are great. The download volume of fidelity is 1.9 million vs 170k of Vanguard, so, it tells something.
– website is clear and easy to use. They continue to improve, but not very important as I use phone app and desktop app most of the time.
– they have a free Windows based computer application called Active Trade Pro to monitor your investments. So much better than website if you are serious and want to monitor in real-time. Works great if you work from home and runs an additional monitor for it when you day trading.
– they have local branch (at least in my SoCal area. I have never visited one, not sure what they do, might be helpful for some people.
I use both. Vanguard for my Roth and fidelity for personal brokerage accts.
Both offer low cost funds. Both offer any kind of funding transfer your expect. Both have good customer service. Both have fine digital platforms. Vanguard is not as user friendly on the mobile app, but fidelity takes longer to clear fund transfers.
It’s basically a wash. Whatever you prefer.
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