2023 年 7 月
众所周知，先锋集团、富达集团和嘉信理财可以被认为是最受欢迎和知名的三大经纪公司。 每个公司都提供广泛的产品和服务，从银行和投资产品到财务顾问和财务规划服务。

然而，从费用到金融服务再到研究资源，存在一些重要的差异，每一个都可能影响您的客户体验。

如果您有兴趣获得财务建议，咨询信托财务顾问可能是很好的第一步。 这就是为什么我们创建了一个免费工具来帮助您匹配最多三位财务顾问。

单击此处参加我们的快速退休测验，并在短短几分钟内与经过审查的顾问进行匹配，每个顾问都有义务为您的最大利益而工作。

虽然您的顾问匹配可能不一定与上述机构相关，但研究表明，与财务顾问一起工作的人对自己的财务状况更加放心，最终可能会在退休时多花大约 15% 的钱。1

西北互助银行 2022 年的一项研究发现，62% 的美国成年人承认他们的财务规划需要改进。 然而，只有 35% 的美国人与财务顾问合作。2

先锋、富达、嘉信的概述
Vanguard、Fidelity 和 Schwab 是经纪领域的三大参与者，提供广泛的投资和银行产品。 事实上，您可以在这些机构开设多种账户类型。 但在费用和特定服务套件方面，它们的情况略有不同。

Vanguard 因创建和提供互惠基金和交易所交易基金 (ETF) 等低费用投资产品而闻名。 它仍然这样做，甚至非先锋客户也可以通过经纪账户购买先锋基金。 该公司现已发展到提供非专有投资产品和基金。

富达也许以其个人投资产品而闻名，即允许用户交易股票的经纪账户。 客户可以使用富达经纪账户投资各种股票、债券和其他投资产品。 富达还努力向客户提供投资资源，通常不会对所有交易收取费用，尽管越来越多的经纪公司和经纪自营商正在转向免费投资模式。

虽然嘉信理财的基金不如先锋基金那么出名，但嘉信理财仍然拥有许多被动和主动管理的基金，您可以将资金投资其中。 您还可以选择交易个别股票。 它还提供免费的机器人顾问服务，那些想要与真正的顾问合作的人也可以选择。

先锋集团、富达、嘉信理财：费用
大多数经纪平台在过去几年中都取消了交易费用，先锋、富达和嘉信也不例外。 这三个机构的经纪账户持有人无需为股票交易支付任何佣金或交易费。 这三个机构的共同基金交易大多都是免费的，特别是内部共同基金。

您会产生持续交易成本的一个地方是期权交易。 然而，每个机构的期权交易成本相对较低。 请记住，这些是合同费，而不是佣金。

每个选项 0.65 美元3,4
由富达和施瓦布指控
每个选项 1.00 美元5
由先锋集团指控
虽然一些更具体的交易可能会产生额外费用，但如果您只投资于个人股票和内部基金以及其他投资，那么使用这三个机构的体验成本可能相当低，并且可能完全免费。 其他投资可能会让您付出代价。 例如，如果通过 Vanguard 投资抵押贷款支持证券，您需要为每笔交易支付 35 美元。

值得注意的是，这些费用表不包括您因拥有某些基金份额而产生的费用。 富达旗下有很多没有费用比率的基金，先锋和施瓦布的平均费用比率都远低于行业标准。

使人们能够做出明智的财务决策。

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夫妇审查财务文件
Vanguard vs. Fidelity vs. Schwab：服务和功能
在投资和经纪账户方面，先锋集团、富达集团和嘉信理财各自提供相对相似的服务套件。 如前所述，各机构：

允许客户免费交易个股
还提供多种账户，包括 401(k)、529 计划、托管账户、各种个人退休账户 (IRA)、联名账户等
这三个机构的大多数账户的最低投资额均为 0 美元。 然而，Vanguard 确实对其部分共同基金设定了最低投资额，通常为 1,000 美元至 3,000 美元。 然而，某些基金的最低限额甚至更高 6park.com
。谁应该使用先锋、富达和嘉信理财？
如前所述，先锋集团、富达集团和嘉信理财拥有许多相同的重要特征。 每一种都允许您投资从股票到基金的各种证券，而无需支付费用和佣金。 它们的基金费用率都很低甚至为零。 每一个都是一个功能强大的在线交易和账户管理平台，您可以利用。

Vanguard、Fidelity 和 Schwab 是该国最强大、最知名和最受欢迎的三大经纪公司。 它们各自涵盖了基础知识以及更多内容。 我们认为这可以使它们成为对所有投资者（从初学者到高级交易者）有价值且有用的平台。

虽然这些平台在报价和特色方面可能有所不同，但每个平台都允许客户免费进行交易，并且可以在线和移动设备上进行交易。 对于那些希望以自己认为合适的方式投资未来的人来说，先锋、富达和嘉信理财是三个可靠的选择。

如何与财务顾问交谈
获得专业的财务建议可能是制定和执行投资或退休计划的关键一步。 这就是为什么我们建议与信托财务顾问交谈。 根据法律，受托人有义务在管理您的资产或资金时以您的最佳利益行事，并且必须披露任何潜在的利益冲突。

然而，对于许多人来说，知道如何找到经过审查的信托顾问是最令人困惑的任务。 与该主题相关的常见谷歌搜索揭示了人们对方向的绝望搜索。 “我附近的信托财务顾问”、“最佳信托财务顾问”和“我附近的财务投资顾问”每天被搜索数百次。

寻找受托人应该不那么难。 值得庆幸的是，现在不是了。

我们的免费匹配测验可帮助美国人与最多三名为其所在领域服务的信托顾问进行匹配，以便他们可以比较并决定与哪位顾问合作。 匹配平台上的所有顾问都经过我们专有的尽职调查流程的严格审查。 测验只需几分钟，在许多情况下，您可以立即与顾问联系进行面试。
 6park.com
https://articles.smartasset.com/vanguard-vs-fidelity-vs-schwab/?utm_source=yahoo&utm_campaign=yah__falc_content_vanfidschwab_desktop_0723_dma&utm_content=39960749268&utm_term=FINANCE_US&vmcid=p%24g%2co%24a08ee45a-2a3b-11ee-aba8-008cfa1879b4-7fe976099700%2ct%241690214607950 6park.com
July 2023
 6park.com
It’s no secret that Vanguard, Fidelity and Charles Schwab could be considered three of the most popular and well-known brokerage firms. Each offers a wide range of products and services, from banking and investment products to financial advisors and financial planning services.
However, there are some important differences, from fees to financial services to research resources, each of which could impact your customer experience.
If you’re interested in getting financial advice, consulting a fiduciary financial advisor can be a great first step. That’s why we created a free tool to help match you with up to three financial advisors.
Click here to take our quick retirement quiz and get matched with vetted advisors in just a few minutes, each obligated to work in your best interest.
While your advisor matches may not necessarily be associated with the above institutions, research suggests people who work with a financial advisor feel more at ease about their finances and could end up with about 15% more money to spend in retirement.1
A 2022 Northwestern Mutual study found that 62% of U.S. adults admit their financial planning needs improvement. However, only 35% of Americans work with a financial advisor.2 6park.com
Overview of Vanguard vs. Fidelity vs. Schwab
Vanguard, Fidelity and Schwab are three of the biggest players in the brokerage space, offering a wide range of investment and banking products. In fact, you can open a variety of account types at these institutions. But they stack up slightly differently when it comes to fees and their specific suite of services.
Vanguard made a name for itself by creating and offering low-fee investment products such as mutual funds and exchange-traded funds (ETFs). It still does this, and even non-Vanguard clients can buy Vanguard funds via a brokerage account. The firm has grown to now offer non-proprietary investment products and funds.
Fidelity is perhaps best known for its personal investment products, namely brokerage accounts that allow users to trade stocks. Clients can invest in a wide range of stocks, bonds and other investment products using a Fidelity brokerage account. Fidelity also makes an effort to provide investment resources to its clients and doesn’t usually charge fees on all trades, though more and more brokerages and broker-dealers are moving toward fee-free investment models.
While not as well known for its funds as Vanguard, Schwab still has a number of passively and actively managed funds that you can invest your money into. You also have the option to trade individual equities. It also offers free robo-advisor services, and those who want to work with a real advisor will have that option as well. 6park.com
Vanguard vs. Fidelity vs. Schwab: Fees
Most brokerage platforms have gotten rid of transaction fees over the past couple years, and Vanguard, Fidelity and Schwab are no exception. Brokerage account holders at each of the three institutions won’t have to pay any commissions or trading fees for trading stocks. Trading mutual funds is mostly free at all three institutions, particularly for in-house mutual funds.
The one place you’ll incur consistent transaction costs is when it comes to options trading. However, transaction costs for options at each institution are comparably quite low. Keep in mind that these are contract fees, not commissions.

$0.65 per option3,4
charged by Fidelity and Schwab
 6park.com
$1.00 per option5
charged by Vanguard
 6park.com
While some, more specific transactions may incur additional fees, the experience using each of these three institutions can be quite low cost and could be entirely free if you only invest in individual equities and in-house funds, among other investments. Other investments may cost you. For example, you’ll need to pay $35 per transaction if investing in mortgage-backed securities with Vanguard.
It’s worth noting that these fee schedules don’t include the charges you’ll incur for owning shares of certain funds. Fidelity has a wide variety of funds that have no expense ratio, and both Vanguard and Schwab have average expense ratios that are a lot lower than the industry standard. 6park.com
Empowering people to make smart financial decisions.
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 6park.com
Vanguard vs. Fidelity vs. Schwab: Services and Features
When it comes to investments and brokerage accounts, Vanguard, Fidelity and Schwab each offer a relatively similar suite of services. As mentioned before, each institution:
Allows clients to trade individual equities fee-freeOffers a wide range of accounts as well, including 401(k)s, 529 plans, custodial accounts, a variety of individual retirement accounts (IRAs), joint accounts and more
Each of the three institutions have $0 investment minimums for most accounts. However, Vanguard does have minimums for investing in some of its mutual funds, typically ranging from $1,000 to $3,000. However, certain funds have even higher minimums. 6park.com
Who Should Use Vanguard, Fidelity and Schwab?
As mentioned, Vanguard, Fidelity and Schwab boast many of the same important features. Each allows you to invest in a variety of securities, from equities to funds, without paying fees and commissions. They all have low to non-existent expense ratios for funds. And each is a capable online trading and account management platform that you can take advantage of.
Vanguard, Fidelity and Schwab are three of the most robust, well-known and popular brokerage firms in the country. They each cover the basics and much more. We feel this could make them valuable and useful platforms for all investors, from beginners to advanced traders.
While these platforms may differ when it comes to their offers and specialties, each allows clients to trade without fees and commissions and to do so both online and on their mobile devices. Vanguard, Fidelity and Schwab are three solid options for anyone looking to take their money and invest in for the future in the way they see fit. 6park.com