* Source: Lipper Inc. Vanguard average expense ratio 0.20%, industry average 1.19% as of December 31, 2008.

** Forbes, February 2, 2009, or Forbes.com. The article lists 116 funds in 22 categories based on risk-adjusted performance and costs. The "Money 70" list in Money's February 2009 issue is based on low expenses, a strong record for putting shareholder interests first, a consistent investment strategy, and experienced managers. 

Past performance cannot be used to predict future returns. Fund share prices will fluctuate, so investors could lose money if they sell shares when prices have fallen. See the most recent performance of our funds.

When taking withdrawals from an IRA before age 59½, you may have to pay ordinary income tax plus a 10% federal penalty tax.