Let Vanguard help

Personal Online Advisor

Your Plan offers an online investment advisory service called Personal Online Advisor, powered by Edelman Financial Engines.

Personal Online Advisor was developed by Nobel Prize-winning economist William F. Sharpe and a team of leading software and finance experts. It forecasts your chances of meeting your investment goals and offers unbiased, personalized, and ongoing fund recommendations to help you meet those goals. It also offers suggestions to help keep you on track.

This service is part of your Plan’s features and is offered at no direct cost to you. Union Pacific has paid the subscription fee. When you sign up for the service, all your Union Pacific Corporation Thrift Plan information will be loaded into your account.

You must be registered for online account access to use Personal Online Advisor. To access the service:

• If you’re registered, log in to your account at vanguard.com/retirementplans.
• If you’re not registered, sign up now. Go to vanguard.com/register and follow the prompts. You can use your Plan number: 091366.

 

Vanguard Managed Account Program

If you lack the time or experience to manage your retirement plan account and would rather have professional management of your account, the Vanguard Managed Account Program, powered by Edelman Financial Engines, may be just what you need.

The Vanguard Managed Account Program offers personalized, professional management of your Plan account. Professional investment managers analyze the choices in your retirement plan and select a detailed investment strategy designed just for you.

The fee for the Managed Account Program is based on a declining scale and generally will be no more than 0.40% of your account balance annually. Discounts are available for balances of more than $100,000. There is a $60 annual minimum fee.

Once you are enrolled in your Plan, you can learn more about the Vanguard Managed Account Program by calling a Managed Account specialist at 800-310-9228 to discuss whether this program is right for you.

Whenever you invest, there's a chance you could lose the money.

The Vanguard Group has partnered with Financial Engines Advisors L.L.C. (FEA) to provide subadvisory services to the Vanguard Managed Account Program and Personal Online Advisor. FEA is an independent, federally registered investment advisor that does not sell investments or receive commission for the investments it recommends with respect to the services which it is engaged in as subadvisor for Vanguard Advisers, Inc. (VAI). Advice is provided by Vanguard Advisers, Inc. (VAI), a federally registered investment advisor and an affiliate of The Vanguard Group, Inc. (Vanguard). Vanguard is owned by the Vanguard Funds, which are distributed by Vanguard Marketing Corporation, a registered broker-dealer affiliated with VAI and Vanguard. Neither Vanguard, FEA, nor their respective affiliates guarantee future results. Vanguard will use your information in accordance with Vanguard’s Privacy Policy.

Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, L.L.C. All rights reserved. Used with permission.