Plum vs Vanguard - BrokerCue
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Broker Comparison

Plum vs Vanguard

Compare Plum and Vanguard side by side: fees, regulation, platforms.

Plum

Plum

Automated savings and beginner investors

Plum is a UK savings and investment app that automates saving, offers ISA, SIPP, mutual funds, and 3,000+ ind…

VS
Vanguard

Vanguard

Long-term fund and ETF investors

Vanguard offers funds, ETFs, stocks, bonds, margin, options, Cash Plus and advice services, with $0 online co…

Head-to-head comparison

Plum vs Vanguard
Feature Plum Vanguard
Minimum deposit - $0 to open an account
Stock trading fee 2 free lifetime trades then: £0.50/trade (Basic), £0.15/trade (Plus), £0.05/trade (Boost), £0.00/trade (Max); FX fee 0.60% (Basic), 0.45% (Plus), 0.30% (Boost), 0.15% (Max) per trade $0 online stock trading
Regulators FCA FINRA
Best for Automated savings and beginner investors Long-term fund and ETF investors
Markets & account
Stocks
ETFs
-
Bonds
-
Options
-
Funds
Fractional Shares
Investment Plans
-
Ready Made Portfolios
Money Market Funds
Isa
-
Sipp
-
Savings Vaults
-
Margin
-

Pros & cons

Plum

Plum

Pros

  • Free Basic plan with automated savings and stock access
  • Stocks and Shares ISA and SIPP available on paid tiers
  • Fractional stock investing from £1
  • 3,000+ individual US company stocks available
  • 26 curated mutual funds from Vanguard and BlackRock
  • FCA-regulated with FSCS protection up to £85,000 on investments
  • Automated savings powered by spending analysis
  • Multiple savings account types including Cash ISA and Lifetime ISA

Cons

  • Individual stocks cannot be held inside the Stocks and Shares ISA - only mutual funds are ISA-eligible, leaving stock gains potentially subject to capital gains tax
  • Only 26 mutual funds available, a narrower range than dedicated investment platforms
  • Stacked fees on paid tiers: subscription fee plus platform fee plus fund manager fee
  • Two free lifetime trades then a per-trade charge on Basic and Plus plans
  • Crypto available only for EU/Cyprus users via Bitpanda; not available to UK customers
  • No demo or practice account
  • Fund access requires a paid subscription; Basic plan is limited
Vanguard

Vanguard

Pros

  • $0 online commissions for stocks, ETFs and Vanguard mutual funds
  • $1 minimum for Vanguard ETFs through fractional shares
  • $0 Cash Plus minimum balance and no service fee with e-delivery
  • Digital Advisor starts at $100 with no advisory fee for 90 days
  • SIPC coverage up to $500,000 for eligible brokerage securities
  • Free dividend reinvestment with no commission

Cons

  • $25 annual account service fee unless e-delivery is selected
  • Most Vanguard mutual funds require a $3,000 minimum
  • Individual bonds require a $1,000 minimum investment
  • Personal Advisor requires a $50,000 minimum
  • Cash Plus has no issued checks or ATM card
  • Cash Plus transactions may face 7-day or 60-day holding periods
Plum

Plum

Plum is a UK savings and investment app that automates saving, offers ISA, SIPP, mutual funds, and 3,000+ individual stocks via a tiered subscription model.

Visit Plum Read review

Your capital is at risk. Other fees apply.

Vanguard

Vanguard

Vanguard offers funds, ETFs, stocks, bonds, margin, options, Cash Plus and advice services, with $0 online commissions on major listed products.

Visit Vanguard Read review

Your capital is at risk. Other fees apply.

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