Investment Options

Each member has his or her own account with Vanguard. You can allocate your own investments into any of Vanguard mutual funds. We encourage members to consider Vanguard’s low-cost index funds.

This page on the Vanguard website lists its main investment options.  We encourage members to consider the “all-in-one” retirement funds (which allocate investments between asset classes based on years until retirement) or the “core” index funds.

The plan has been structured at very low cost to its members:

-The Plan covers its operating costs primarily through donations. The Plan charges a modest administration fee to each participant scaled to the amount invested, as follows:
A. $18 for accounts less than $10K;
B. $50 for accounts between $10K and $50K;
C. $100 for accounts between $50K and $100K;
D. $125 for accounts that exceed $100K.

There is no charge, however, to participants who are members of rabbinical or cantorial associations that are making annual contributions.At other plans, annual fees range from 0.20% to 0.35% of assets; that is between $200 and $350 a year per $100,000 of assets.

–  Vanguard charges a $15 annual fee per fund you are invested in (although this fee is waived for anyone with assets over $50,000 at Vanguard)
– The only other fees are the underlying funds fees – which can be as low as 0.07% with Vanguard’s index funds.