Vanguard ’ s offering has some surprise elements , not least a new advice service , staffed by real-life financial advisers . Closer inspection reveals the service is driven by technology with human oversight , but that ’ s the way life is going . Its service has two drawbacks : firstly , it only recommends investments in Vanguard products that are managed or rebalanced according to your stated goals ; and secondly , it is ongoing , with no on-demand option , and will cost an additional 0.79 % on the value of your portfolio . The service is unlikely to be flexible enough for an investor who is already managing their own money .
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