For people who invest directly in individual accounts (including IRAs and rollovers); in joint, brokerage, college savings, or small-business accounts; or in annuities.
For people who invest through their employer in a Vanguard 401(k), 403(b), or other retirement plan.
For retirement plan sponsors, consultants, and nonprofit representatives.
For broker-dealers, registered investment advisors, and trust or bank brokerage professionals.
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* Effective May 1, 2008, the daily mortality and expense risk charge will be assessed at a rate corresponding to an annual charge of 0.195%. Optional riders may be purchased for an additional cost.
** Applies to Contracts valued at less than $25,000 at the time of initial purchase and on the last Friday of each calendar year.
For Portfolio Operating Expenses (last fiscal year), the expense information shown has been restated to reflect estimated amounts for the current fiscal year.
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