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Vanguard vs Citi Self Invest 2025

StockBrokers.com

Written by StockBrokers.com

January 23, 2025

In this head to head comparison of Vanguard vs Citi Self Invest, we will compare the trading platforms, mobile apps, investment options, costs, market research, and more. Let's dive in.

Vanguard
4/5 Stars Overall
  • Minimum Deposit: $0.00
  • Stock Trades: $0.00
  • Options (Per Contract): $1.00
Citi Self Invest
3.5/5 Stars Overall
  • Minimum Deposit: $0.00
  • Stock Trades: $0.00
  • Options (Per Contract): N/A

Investment options

When selecting an online broker, understanding the available investment options can help make a decision aligned with your financial goals. Vanguard stands out with a strong offering in various investment products, earning a commendable 4.5-star rating for investment options. In contrast, Citi Self Invest provides fewer investment choices, resulting in a 2.5-star rating for its offerings. Both brokers grant access to stock trading and mutual funds, but Vanguard edges ahead with additional features such as margin trading, OTC stocks, and options trading, while Citi Self Invest lacks these offerings.

Vanguard and Citi Self Invest offer traditional and Roth IRA accounts, appealing to those focused on retirement planning. Despite the shared availability of these retirement accounts, Vanguard's additional access to margin trading, OTC stocks, and options trading distinguishes it from Citi Self Invest, which does not extend these investment products. Neither broker offers fractional shares trading, forex trading, futures trading, or cryptocurrency trading, suggesting a focus on more traditional investment avenues.

For investors interested in advisory services, Vanguard provides these, adding value for clients who may seek professional guidance. Citi Self Invest does not offer such services, which might be a drawback for those who prioritize expert financial advice. While both platforms give access to fundamental investment products necessary for long-term growth, Vanguard’s broader array of options makes it more versatile for investors with diverse strategies. As neither platform is ranked by StockBrokers.com among the top 18 brokers for investment options, prospective users should weigh the offerings against their personal needs and preferences.

Feature Vanguard logoVanguard
Citi Self Invest logoCiti Self Invest
Stock Trading info Yes Yes
Margin Trading info Yes No
Fractional Shares info No info No
OTC Stocks info Yes No
Mutual Funds info Yes Yes
Options Trading info Yes No
Futures Trading info No No
Crypto Trading info No No
Crypto Trading - Total Coins info 0 0
Range of Investments 4.5/5 Stars 2.5/5 Stars

Dive deeper: Best Options Trading Platforms for 2025, Best Futures Trading Platforms for 2025

Trading platforms and tools

When comparing the online trading platforms of Vanguard and Citi Self Invest, it's clear that both providers have their limitations. Neither offers downloadable trading platforms for Windows or Mac, and they lack essential features like paper trading and trading journals. Both platforms provide a web-based interface, but their offerings in terms of charting and watch list features are modest at best. With an equal rating of 2.5 stars for their trading platforms and tools, both Vanguard and Citi Self Invest demonstrate areas requiring significant improvement to enhance the user experience and better serve traders' needs.

In terms of watch list features, Vanguard holds a slight advantage by offering nine columns for customization, while Citi Self Invest does not offer any watch list functionalities. When looking at charting capabilities, Vanguard offers nine technical indicators compared to none from Citi Self Invest, and Vanguard allows for index overlays and the display of corporate events on charts, which Citi Self Invest does not. Despite these differences, both platforms fall short in areas such as chart drawing tools, note-taking capabilities, and customized chart profiles, placing limitations on more advanced trading analyses.

Even though neither platform stands out as a leading option, the availability of browser-based interfaces suggests a focus on accessibility and convenience. However, the absence of robust trading tools like automated technical analysis and multiple chart profiles might be a dealbreaker for more sophisticated traders looking for depth and customization in their trading activities. As such, potential users of Vanguard or Citi Self Invest should weigh their specific needs and might consider additional offerings or brokerage alternatives to supplement these platforms' basic functionalities.

Feature Vanguard logoVanguard
Citi Self Invest logoCiti Self Invest
Web Trading Platform info Yes Yes
Desktop Trading Platform info No No
Desktop Platform (Mac) info No No
Paper Trading info No No
Watch Lists - Total Fields info 9 0
Charting - Indicators / Studies info 9 0
Charting - Drawing Tools info 0 0
Platforms & Tools 2.5/5 Stars 2.5/5 Stars

Dive deeper: Best Stock Brokers & Trading Platforms for 2025, Best Paper Trading Platforms for 2025

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Beginners and education

When comparing Vanguard and Citi Self Invest on their educational offerings for beginner investors, Vanguard emerges as the more robust option, primarily focusing on stock education. While both brokers do not provide comprehensive resources across various asset classes such as ETFs, options, mutual funds, and bonds, Vanguard distinguishes itself by offering educational videos that aim to enhance the investor's understanding of the stock market. This feature can be particularly beneficial for beginners seeking visual learning materials to grasp complex concepts. Unfortunately, neither broker offers paper trading functionalities, which can be a valuable tool for beginners to practice trading skills without financial risk.

On the other hand, Citi Self Invest, while lacking fundamental educational offerings in areas like stocks and ETFs, does provide educational quizzes and the ability to track one's learning progress, which can encourage active learning and engagement. Despite these tools, Citi Self Invest generally falls short in broader educational capabilities compared to Vanguard. This disparity is reflected in their ratings, with Vanguard receiving 3.5 stars for education, overshadowing Citi Self Invest's 1.5-star rating. Ultimately, for beginners seeking a more structured educational experience, Vanguard appears to offer more valuable resources than Citi Self Invest, even though neither broker stands out significantly in industry rankings according to StockBrokers.com.

Feature Vanguard logoVanguard
Citi Self Invest logoCiti Self Invest
Education (Stocks) info Yes No
Education (ETFs) info No No
Education (Options) info No No
Education (Mutual Funds) info No No
Education (Bonds) info No No
Paper Trading info No No
Videos info Yes No
Webinars info No No
Education 3.5/5 Stars 1.5/5 Stars

Dive deeper: Best Stock Trading Platforms for Beginners of 2025

Stock trading apps

When evaluating the stock trading app capabilities of Vanguard and Citi Self Invest, both platforms offer a fairly basic mobile experience, earning three out of five stars. Both firms provide iPhone and Android apps, ensuring accessibility to a range of mobile users. However, neither broker supports advanced functionality such as mobile morning or after-hours stock trading, options trading through their apps, or streaming features for quotes or live TV, which might limit the experience for more active traders.

Neither Vanguard nor Citi Self Invest offers an Apple Watch app, reflecting a limited focus on smartwatch users. Both apps do provide the ability to view multiple time frames for charting, albeit without offering any technical studies for advanced analysis or support for viewing charts in landscape mode. While Vanguard does not offer the ability to create or customize watch lists, Citi Self Invest allows its users the capability to create custom watch lists, although both apps lack custom watch list columns.

In summary, users seeking advanced mobile trading features might be disappointed with both Vanguard and Citi Self Invest, as the platforms lack customizable charting tools, technical studies, and in-app streaming services. However, they still offer the essential functionalities needed for standard stock trading and allow some level of chart analysis, catering largely to more conventional trading needs.

Feature Vanguard logoVanguard
Citi Self Invest logoCiti Self Invest
iPhone App info Yes Yes
Android App info Yes Yes
Apple Watch App info No No
Stock Alerts info No No
Charting - After-Hours info No No
Charting - Technical Studies info 0 0
Mobile Trading Apps 3/5 Stars 3/5 Stars

Dive deeper: Best Stock Trading Apps for 2025

Fees

When comparing Vanguard and Citi Self Invest, it's apparent that each platform caters to different types of investors with varied preferences in fees and options. Vanguard offers a more comprehensive service for those interested in options trading, with a minimal charge per contract of $1.00, while Citi Self Invest does not offer options trading as of the current structure. Meanwhile, both platforms boast a no-minimum-deposit policy, with no fees for regular stock trades, making them equally appealing to entry-level investors. Citi Self Invest's standout advantage lies in its zero IRA annual fee policy, although it implements a closure fee of $95, something Vanguard waives entirely.

For investors seeking margin trading opportunities, Vanguard offers tiered interest rates starting at 12.75% for margin balances between $50,000 and $99,999, although Citi Self Invest does not offer margin trading. On the account management front, while Vanguard waives fees for partial ACAT transfers and charges $100 for full transfers, Citi Self Invest applies a consistent $95 fee for both partial and full ACAT transfers. This is balanced by their differing approaches toward IRA accounts, with Vanguard charging $25 annually but no closure fee, whereas Citi Self Invest bypasses the annual fee but imposes a significant closure cost.

Both platforms provide free options exercises and assignments, enhancing their appeal for investors who manage options as part of their strategy. Despite these similarities, Vanguard and Citi Self Invest diverge in core areas like options trading and IRA management, offering distinct advantages that cater to diverse investor profiles. The choice between them should be guided by the investor's preferences for options trading capabilities, margin requirements, and IRA management fees.

Feature Vanguard logoVanguard
Citi Self Invest logoCiti Self Invest
Minimum Deposit info $0.00 $0.00
Stock Trades info $0.00 $0.00
Options (Per Contract) info $1.00 N/A
Options Exercise Fee info $0.00 N/A
Options Assignment Fee info $0.00 N/A
IRA Annual Fee info $25.00 info $0.00
IRA Closure Fee info $0.00 $95.00
Commissions & Fees 4.5/5 Stars 4.5/5 Stars

Dive deeper: Best Free Trading Platforms for 2025

Day Trading

When comparing the day trading capabilities of online brokers Vanguard and Citi Self Invest, it becomes evident that neither platform is particularly tailored for the active day trader. Both Vanguard and Citi Self Invest do not offer streaming time and sales for stocks, streaming live TV, or direct market routing for stocks. Moreover, neither provides advanced tools like ladder trading or trading hotkeys for efficient keyboard trade entry. Additionally, traders looking for depth-of-market insights might be disappointed as neither broker offers level 2 quotes.

Furthermore, neither Vanguard nor Citi Self Invest supports basic or advanced strategy backtesting, which is crucial for day traders seeking to develop and refine trading strategies. Both platforms also lack a short locator tool, which is essential for viewing real-time availability of shares available for shorting. Furthermore, order liquidity (maker/taker) rebates are absent from both Vanguard and Citi Self Invest, potentially limiting cost-effectiveness for high-frequency traders. Overall, day traders seeking comprehensive tools and features may need to explore other brokerage options better suited to active trading needs.

Feature Vanguard logoVanguard
Citi Self Invest logoCiti Self Invest
Streaming Time & Sales info No No
Streaming TV info No No
Direct Market Routing - Stocks info No No
Level 2 Quotes - Stocks info No No
Trade Ideas - Backtesting info No No
Trade Ideas - Backtesting Adv info No No
Short Locator info No No

Dive deeper: Best Day Trading Platforms for 2025

Market Research

When deciding between Vanguard and Citi Self Invest for online trading, potential investors should consider the depth of market research both platforms offer. Vanguard stands out with a comprehensive market research portfolio including stocks, ETFs, mutual funds, Pink Sheets/OTCBB, and bonds. It also provides tools like stock, ETF, mutual fund, and bond screeners that help generate trade ideas. In contrast, Citi Self Invest offers a narrower range of research capabilities, covering stock, ETF, and Pink Sheets/OTCBB. However, it lacks coverage for mutual funds and bonds and does not offer tools like screeners. Overall, Vanguard garners a higher market research rating with 3.5 stars compared to Citi Self Invest’s 2.5 stars.

Both Vanguard and Citi Self Invest equip investors with functionality to assess portfolio allocation by asset class, ensuring users have a clear picture of their investments. Neither platform, however, offers insights via social media sentiment data or ESG research, a potential drawback for those seeking alternative analytical methods. When it comes to downloadable PDF research reports, Vanguard offers two for stocks, whereas Citi Self Invest does not provide any. Unfortunately, neither broker offers PDF reports for ETFs or mutual funds.

Vanguard’s array of research capabilities extends to screening tools, which are vital for generating trade ideas across various asset classes, including stocks, ETFs, mutual funds, and bonds. Citi Self Invest, on the other hand, lacks these screeners entirely, potentially limiting its utility for investors seeking to diversify or strategize their portfolios actively. The breadth of Vanguard's market research options makes it a robust choice for serious investors, whereas Citi Self Invest may appeal to those with more basic trading needs.

Feature Vanguard logoVanguard
Citi Self Invest logoCiti Self Invest
Research - Stocks info Yes Yes
Screener - Stocks info Yes No
Research - ETFs info Yes Yes
Screener - ETFs info Yes No
Research - Mutual Funds info Yes No
Screener - Mutual Funds info Yes No
Research - Bonds info Yes No
Screener - Bonds info Yes No
Research 3.5/5 Stars 2.5/5 Stars

Banking

When comparing the banking capabilities of online brokers Vanguard and Citi Self Invest, it's clear that Citi Self Invest excels in offering a comprehensive range of banking services. Unlike Vanguard, which does not provide checking or savings accounts, Citi Self Invest offers both, catering to a wider array of banking needs. In addition, Citi Self Invest provides customers with access to debit cards, credit cards, and mortgage loans, none of which are available through Vanguard. However, Vanguard does provide certificates of deposit (CDs), a product not offered by Citi Self Invest. This distinct contrast makes Citi Self Invest a more versatile choice for clients seeking an all-in-one financial service provider, while Vanguard remains a more specialized platform with its exclusive focus on investment products like CDs.

Feature Vanguard logoVanguard
Citi Self Invest logoCiti Self Invest
Checking Accounts info No Yes
Savings Accounts info No Yes
Debit Cards info No Yes
Credit Cards info No Yes
Mortgage Loans info No Yes
CDs info Yes No

Dive deeper: Best Bank Accounts for Trading Stocks for 2025

Winner

After opening live accounts and testing 18 of the best online brokers, our research and live account testing finds that Vanguard is better than Citi Self Invest. Vanguard finished with an overall score of 80.3%, while Citi Self Invest finished with a score of 70.6%.

Vanguard is aimed squarely at buy-and-hold investors, and its platform reflects that focus. Vanguard is known for its low-cost funds, and the investment platform is really built for those looking to invest solely in mutual funds and ETFs.

FAQs

Can you trade cryptocurrency with Vanguard or Citi Self Invest?

Vanguard and Citi Self Invest both do not offer crypto trading and neither platform provides access to any cryptocurrencies, offering zero coins for trading.

Dive deeper: Best Online Brokers for Crypto Trading in 2025

Does Vanguard or Citi Self Invest offer IRAs?

Both Vanguard and Citi Self Invest offer traditional and Roth IRA accounts, but while Vanguard imposes a $25 annual fee, Citi Self Invest provides these accounts with no annual fee; however, Citi Self Invest charges a $95 closure fee, whereas Vanguard’s closure fee is $0.

Dive deeper: Best IRA Accounts for 2025

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Compare

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Overall Rating Vanguard Citi Self Invest
Overall 4/5 Stars 3.5/5 Stars
Commissions & Fees 4.5/5 Stars 4.5/5 Stars
Range of Investments 4.5/5 Stars 2.5/5 Stars
Platforms & Tools 2.5/5 Stars 2.5/5 Stars
Mobile Trading Apps 3/5 Stars 3/5 Stars
Research 3.5/5 Stars 2.5/5 Stars
Customer Service 4/5 Stars N/A
Education 3.5/5 Stars 1.5/5 Stars
Ease Of Use 5/5 Stars 4.5/5 Stars
Winner check_circle
Review Vanguard Review Citi Self Invest Review
Broker Screenshots Vanguard Citi Self Invest
Trading Platform & Tools Gallery (click to expand)
Research Gallery (click to expand)
Mobile Trading Apps Gallery (click to expand)
Education Gallery (click to expand)
Trading Fees Vanguard Citi Self Invest
Minimum Deposit info $0.00 $0.00
Stock Trades info $0.00 $0.00
Penny Stock Fees (OTC) info $0.00 N/A info
Mutual Fund Trade Fee info Varies info 0
Options (Per Contract) info $1.00 N/A
Futures (Per Contract) info (Not offered) (Not offered)
Broker Assisted Trade Fee info $25 info n/a
Margin Rates Vanguard Citi Self Invest
Margin Rate Under $25,000 info 13.75% info Not offered
Margin Rate $25,000 to $49,999.99 info 13.25% Not offered
Margin Rate $50,000 to $99,999.99 info 12.75% Not offered
Margin Rate $100,000 to $249,999.99 info 12.25% Not offered
Margin Rate $250,000 to $499,999.99 info 11.75% Not offered
Margin Rate $500,000 to $999,999.99 info 10.5% Not offered
Margin Rate Above $1,000,000 info Varies info Not offered
Account Fees Vanguard Citi Self Invest
IRA Annual Fee info $25.00 info $0.00
IRA Closure Fee info $0.00 $95.00
Account Transfer Out (Partial) info $0.00 $95.00
Account Transfer Out (Full) info $100.00 info $95.00
Options Exercise Fee info $0.00 N/A
Options Assignment Fee info $0.00 N/A
Investment Options Vanguard Citi Self Invest
Stock Trading info Yes Yes
Margin Trading info Yes No
Fractional Shares info No info No
OTC Stocks info Yes No
Options Trading info Yes No
Complex Options Max Legs info 4
Futures Trading info No No
Forex Trading info No No
Crypto Trading info No No
Crypto Trading - Total Coins info 0 0
Mutual Funds (No Load) info N/A 820
Mutual Funds (Total) info N/A 820
Bonds (US Treasury) info Yes No
Bonds (Corporate) info Yes No
Bonds (Municipal) info Yes No
Traditional IRAs info Yes Yes
Roth IRAs info Yes Yes
Advisor Services info Yes No
International Countries (Stocks) info 0 0
Order Types Vanguard Citi Self Invest
Order Type - Market info Yes Yes
Order Type - Limit info Yes Yes
Order Type - After Hours info Yes No
Order Type - Stop info Yes Yes
Order Type - Trailing Stop info No No
Order Type - OCO info No No
Order Type - OTO info No No
Order Type - Broker Assisted info Yes No
Beginners Vanguard Citi Self Invest
Education (Stocks) info Yes No
Education (ETFs) info No No
Education (Options) info No No
Education (Mutual Funds) info No No
Education (Bonds) info No No
Education (Retirement) info Yes No
Retirement Calculator info Yes No
Investor Dictionary info No No
Paper Trading info No No
Videos info Yes No
Webinars info No No
Webinars (Archived) info No No
Progress Tracking info No Yes
Interactive Learning - Quizzes info No Yes
Stock Trading Apps Vanguard Citi Self Invest
iPhone App info Yes Yes
Android App info Yes Yes
Apple Watch App info No No
Trading - Stocks info Yes Yes
Trading - After-Hours info No No
Trading - Simple Options info No No
Trading - Complex Options info No No
Order Ticket RT Quotes info Yes Yes
Order Ticket SRT Quotes info No No
Stock App Features Vanguard Citi Self Invest
Market Movers (Top Gainers) info No Yes
Stream Live TV info No No
Videos on Demand info No No
Stock Alerts info No No
Option Chains Viewable info No No
Watch List (Real-time) info No Yes
Watch List (Streaming) info No No
Watch Lists - Create & Manage info No Yes
Watch Lists - Column Customization info No No
Stock App Charting Vanguard Citi Self Invest
Charting - After-Hours info No No
Charting - Can Turn Horizontally info No No
Charting - Multiple Time Frames info Yes Yes
Charting - Technical Studies info 0 0
Charting - Study Customizations info No No
Charting - Stock Comparisons info No No
Trading Platforms Vanguard Citi Self Invest
Active Trading Platform info N/A n/a
Desktop Trading Platform info No No
Desktop Platform (Mac) info No No
Web Trading Platform info Yes Yes
Paper Trading info No No
Trade Journal info No No
Watch Lists - Total Fields info 9 0
Stock Chart Features Vanguard Citi Self Invest
Charting - Adjust Trades on Chart info No No
Charting - Indicators / Studies info 9 0
Charting - Drawing Tools info 0 0
Charting - Notes info No No
Charting - Index Overlays info Yes No
Charting - Historical Trades info No No
Charting - Corporate Events info Yes No
Charting - Custom Date Range info No No
Charting - Custom Time Bars info No No
Charting - Automated Analysis info No No
Charting - Save Profiles info No No
Trade Ideas - Technical Analysis info No No
Charting - Study Customizations info 1 0
Charting - Custom Studies info No No
Day Trading Vanguard Citi Self Invest
Streaming Time & Sales info No No
Streaming TV info No No
Direct Market Routing - Stocks info No No
Ladder Trading info No No
Trade Hotkeys info No No
Level 2 Quotes - Stocks info No No
Trade Ideas - Backtesting info No No
Trade Ideas - Backtesting Adv info No No
Short Locator info No No
Order Liquidity Rebates info No No
Research Overview Vanguard Citi Self Invest
Research - Stocks info Yes Yes
Research - ETFs info Yes Yes
Research - Mutual Funds info Yes No
Research - Pink Sheets / OTCBB info Yes Yes
Research - Bonds info Yes No
Screener - Stocks info Yes No
Screener - ETFs info Yes No
Screener - Mutual Funds info Yes No
Screener - Bonds info Yes No
Misc - Portfolio Allocation info Yes Yes
Stock Research Vanguard Citi Self Invest
Stock Research - PDF Reports info 2 0
Stock Research - Earnings info Yes No
Stock Research - Insiders info No No
Stock Research - Social info No No
Stock Research - News info Yes Yes
Stock Research - ESG info No No
Stock Research - SEC Filings info No No
ETF Research Vanguard Citi Self Invest
ETFs - Strategy Overview info No Yes
ETF Fund Facts - Inception Date info No No
ETF Fund Facts - Expense Ratio info No Yes
ETF Fund Facts - Net Assets info No No
ETF Fund Facts - Total Holdings info No No
ETFs - Top 10 Holdings info No Yes
ETFs - Sector Exposure info No No
ETFs - Risk Analysis info No Yes
ETFs - Ratings info No Yes
ETFs - Morningstar StyleMap info No No
ETFs - PDF Reports info No No
Mutual Fund Research Vanguard Citi Self Invest
Mutual Funds - Strategy Overview info Yes Yes
Mutual Funds - Performance Chart info Yes Yes
Mutual Funds - Performance Analysis info Yes Yes
Mutual Funds - Prospectus info Yes No
Mutual Funds - 3rd Party Ratings info No Yes
Mutual Funds - Fees Breakdown info Yes No
Mutual Funds - Top 10 Holdings info Yes Yes
Mutual Funds - Asset Allocation info No Yes
Mutual Funds - Sector Allocation info Yes No
Mutual Funds - Country Allocation info No No
Mutual Funds - StyleMap info Yes No
Options Trading Vanguard Citi Self Invest
Option Chains - Basic View info Yes No
Option Chains - Strategy View info No No
Option Chains - Streaming info No No
Option Chains - Total Columns info 9 0
Option Chains - Greeks info 0 0
Option Chains - Quick Analysis info No No
Option Analysis - P&L Charts info No No
Option Probability Analysis info No No
Option Probability Analysis Adv info No No
Option Positions - Greeks info No No
Option Positions - Greeks Streaming info No No
Option Positions - Adv Analysis info No No
Option Positions - Rolling info No No
Option Positions - Grouping info No No
Banking Vanguard Citi Self Invest
Bank (Member FDIC) info No Yes
Checking Accounts info No Yes
Savings Accounts info No Yes
Credit Cards info No Yes
Debit Cards info No Yes
Mortgage Loans info No Yes
Customer Service Vanguard Citi Self Invest
Phone Support (Prospect Customers) info Yes No
Phone Support (Current Customers) info Yes Yes
Email Support info Yes No
Live Chat (Prospect Customers) info No No
Live Chat (Current Customers) info No No
24/7 Support info No Yes
Overall Vanguard Citi Self Invest
Overall 4/5 Stars 3.5/5 Stars
Commissions & Fees 4.5/5 Stars 4.5/5 Stars
Range of Investments 4.5/5 Stars 2.5/5 Stars
Platforms & Tools 2.5/5 Stars 2.5/5 Stars
Mobile Trading Apps 3/5 Stars 3/5 Stars
Research 3.5/5 Stars 2.5/5 Stars
Education 3.5/5 Stars 1.5/5 Stars
Ease Of Use 5/5 Stars 4.5/5 Stars
Winner check_circle
Review Vanguard Review Citi Self Invest Review
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