READYSAVE‪™‬ 4+

(Don’t you hate it when the link to app support sends you to the website, instead of allowing you to send a message to App support directly?)

I am an administrator for my firm. I tried to use this app, and when I used the administrator login, I got a “sorry“ error. Seems that I shouldn’t be using the administrator account for this. I suggest you track down this particular situation, and leave a better error message like “this app is for … only”.

I’m not sure if Ready Save is a product by Vanguard or if it is a retirement services app that multiple players such as Vanguard can use, but either way, I am disappointed in both it and Vanguard's online experience. Understanding my yearly contribution limit and how I am tracking towards it seems like the absolute basics of a retirement service. My goal as a user is to know how much I’m allowed to contribute and then to do exactly that — no more so that I’m not getting myself into a tax paperwork mess, and no less so that I’m fully optimizing the tax advantages. So why is this SO HARD????? The app actually does have a help area that lists the limit which is nice, but you’d think it could be smart enough to tell me that I’m X% of the way there, scheduled to hit the limit at Y date, etc. Because this doesn’t exist, I’m left doing my own math to adjust my contribution percentages so that I don’t exceed this limit. It’s 2023 — you’d think a company that specializes in retirement would be able to do something so simple. My company switched to Vanguard from Guideline and Guideline had an absolutely spectacular UI for this — I miss it greatly whenever I have the terrible experience of having to use Vanguard.

Good app with a nice look, but as others have mentioned it doesn’t go into much detail. If there could be one additional functionality, I’d love to be able to see how much my investments have grown, like a how much I invested vs what it’s worth now. Instead it only shows what it’s worth now, and you can’t get an idea of how much it’s grown unless you add up all your contributions and subtract it from the number in the app. Seems like every other investment platform has this capability.