Why women are less likely to invest | Six ways Gen X can strengthen retirement savings | Super performance

Learn what may be holding women back from investing and discover practical retirement tips.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. Why do fewer women invest than men, and what can be done to change that? In this edition, we explore the investing confidence gap, share six practical ways Gen X investors can strengthen their retirement savings, and provide an update on Vanguard's super performance. LATEST INSIGHTS Mind the confidence gap: new research highlights why fewer women invest What's stopping women from investing? It may not be money. Read article Six ways Gen X can build retirement savings Make the most of your peak earning years with practical retirement planning tips. Read article Vanguard Super Lifecycle delivers third straight year of double-digit returns Strong FY26 returns for Vanguard Super members across investment options. Read article In case you missed it Our mid-year investment and economic outlook, June 2026 Our latest forecasts for investment returns and region-by-region economic outlook. Learn more AI, oil and a changing global economy AI and oil shocks are reshaping the global economy, driving growth divergence and inflation. Learn more Between earning momentum and AI-enabled profitability AI-driven earnings momentum is strong, but long-term profitability remains uncertain. Learn more Connect with Us Manage your preferences or unsubscribe. When you unsubscribe via the link, you will be unsubscribing to all Vanguard Australia marketing emails. Vanguard and its employees wish to acknowledge the Traditional Custodians of Country throughout Australia where we operate our business. We recognise their connection to the land, water and culture and wish to pay our respects to their Elders past, present and emerging. Important information Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer. We have not taken yours or your clients‘ circumstances into account when preparing this email so it may not be applicable to the particular situation you are considering. You should consider yours and your clients‘ circumstances, and our Product Disclosure Statement (PDS) before making any investment decision or recommendation. Distributors of our products must consider our Target Market Determinations ("TMDs") which describe the investors for whom the product would likely be appropriate and consistent with their objectives, financial situation and needs. You can access our PDSs and TMDs at www.vanguard.com.au or by calling 1300 655 101. Past performance is not an indication of future performance. Our electronic publications are prepared in good faith and we accept no liability for any errors or omissions. Not all articles are prepared by Vanguard so they may not represent our views and opinions. Vanguard Investments Australia Limited is in no way responsible for the content or loss resulting from use of any website owned by a third party that may be linked to this email via a hyperlink. © 2026 Vanguard Investments Australia Ltd. All rights reserved. Use of cookies If you click through to the vanguard.com.au website from this email, a cookie may be placed on your computer to enable Vanguard or our third party service providers to collect information about your use of the vanguard.com.au website to support website performance, enhance site navigation, improve our web design and functionality and tailor our communications to you regarding our products and services. The information collected by Vanguard or our service providers does not include personal information that could be used to identify you such as your name, address, telephone number, email address, or account information. Unless you have adjusted your browser settings so that it will refuse cookies, our system may set cookies when you visit the site. You may choose to remove or disable cookies via your browser. Google Analytics uses data when you access the Vanguard website. For more information, see "HOW GOOGLE USES INFORMATION FROM SITES OR APPS THAT USE OUR SERVICES," located at https://policies.google.com/technologies/partner-sites. You can opt out of being tracked by Google Analytics at the following location: https://tools.google.com/dlpage/gaoptout. To learn more about how Vanguard uses cookies, please visit the Vanguard Cookie Policy. By using our website, you consent to the use of cookies as described above. Please do not reply to this email as it is not monitored. To contact us, please call us on 1300 655 101 between Monday and Friday, 8:00am to 6:00pm (AET). Terms and conditions of use | Disclaimers| Privacy policy | Cookie policy

Mid-year outlook | How AI and oil are reshaping markets | The tension behind AI earnings growth

Markets are diverging—here’s what AI, oil and earnings mean for investors

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. This week see our mid-year region-by-region investment and economic outlook. We explore how AI and oil shocks are reshaping the global outlook, driving an unusual degree of divergence across regions. Finally, read why AI is driving strong earnings now, but may struggle to deliver sustainable profitability over time, especially with high expectations already priced in. LATEST INSIGHTS Our mid-year investment and economic outlook, June 2026 Our latest forecasts for investment returns and region-by-region economic outlook. Read article AI, oil and a changing global economy  AI and oil shocks are reshaping the global economy, driving growth divergence and inflation. Read article Between earning momentum and AI-enabled profitability AI-driven earnings momentum is strong, but long-term profitability remains uncertain. Read article In case you missed it What the Payday Super changes mean for your retirement From 1 July major super reforms are set to take effect. Learn more The 16-year bond market scoreboard: Winners, losers and lessons for investors Vanguard’s fixed interest scoreboard shows how bond sectors vary, reinforcing diversification value. Learn more Dividend versus growth investing – which option suits you? Picking an investment strategy depends on your life stage, income needs and tax factors. Learn more Connect with Us Manage your preferences or unsubscribe. When you unsubscribe via the link, you will be unsubscribing to all Vanguard Australia marketing emails. Vanguard and its employees wish to acknowledge the Traditional Custodians of Country throughout Australia where we operate our business. We recognise their connection to the land, water and culture and wish to pay our respects to their Elders past, present and emerging. Important information Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer. We have not taken yours or your clients‘ circumstances into account when preparing this email so it may not be applicable to the particular situation you are considering. You should consider yours and your clients‘ circumstances, and our Product Disclosure Statement (PDS) before making any investment decision or recommendation. Distributors of our products must consider our Target Market Determinations ("TMDs") which describe the investors for whom the product would likely be appropriate and consistent with their objectives, financial situation and needs. You can access our PDSs and TMDs at www.vanguard.com.au or by calling 1300 655 101. Past performance is not an indication of future performance. Our electronic publications are prepared in good faith and we accept no liability for any errors or omissions. Not all articles are prepared by Vanguard so they may not represent our views and opinions. Vanguard Investments Australia Limited is in no way responsible for the content or loss resulting from use of any website owned by a third party that may be linked to this email via a hyperlink. © 2026 Vanguard Investments Australia Ltd. All rights reserved. Use of cookies If you click through to the vanguard.com.au website from this email, a cookie may be placed on your computer to enable Vanguard or our third party service providers to collect information about your use of the vanguard.com.au website to support website performance, enhance site navigation, improve our web design and functionality and tailor our communications to you regarding our products and services. The information collected by Vanguard or our service providers does not include personal information that could be used to identify you such as your name, address, telephone number, email address, or account information. Unless you have adjusted your browser settings so that it will refuse cookies, our system may set cookies when you visit the site. You may choose to remove or disable cookies via your browser. Google Analytics uses data when you access the Vanguard website. For more information, see "HOW GOOGLE USES INFORMATION FROM SITES OR APPS THAT USE OUR SERVICES," located at https://policies.google.com/technologies/partner-sites. You can opt out of being tracked by Google Analytics at the following location: https://tools.google.com/dlpage/gaoptout. To learn more about how Vanguard uses cookies, please visit the Vanguard Cookie Policy. By using our website, you consent to the use of cookies as described above. Please do not reply to this email as it is not monitored. To contact us, please call us on 1300 655 101 between Monday and Friday, 8:00am to 6:00pm (AET). Terms and conditions of use | Disclaimers| Privacy policy | Cookie policy

Payday super changes | Our bond market scoreboard | Dividend versus growth investing

Payday super update, bond market snapshot, dividend vs growth

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. Find out what the 1 July Payday Super changes mean for your retirement. Explore Vanguard’s fixed interest scoreboard, highlighting the key winners and losers over the past 16 years and what that could mean for investors today. Finally, we unpack dividend versus growth investing, outlining the pros and cons to help you decide which approach may work best for you LATEST INSIGHTS What the Payday Super changes mean for your retirement From 1 July major super reforms are set to take effect. Read article The 16-year bond market scoreboard: Winners, losers and lessons for investors Vanguard’s fixed interest scoreboard shows how bond sectors vary, reinforcing diversification value. Read article Dividend versus growth investing – which option suits you? Picking an investment strategy depends on your life stage, income needs and tax factors. Read article In case you missed it Vanguard to stay grounded on moonshot IPOs Investors worried about the impact of the SpaceX IPO launch on index funds can rely on a more grounded approach. Learn more Record SMSF growth driven by digital access Record SMSF growth driven by AI and digital tools, but admin and compliance challenges persist. Learn more Introducing our female financial literacy program – She likes money Build financial confidence with simple tools, real stories and practical guidance for women. Learn more Connect with Us Manage your preferences or unsubscribe. When you unsubscribe via the link, you will be unsubscribing to all Vanguard Australia marketing emails. Vanguard and its employees wish to acknowledge the Traditional Custodians of Country throughout Australia where we operate our business. We recognise their connection to the land, water and culture and wish to pay our respects to their Elders past, present and emerging. Important information Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer. We have not taken yours or your clients‘ circumstances into account when preparing this email so it may not be applicable to the particular situation you are considering. You should consider yours and your clients‘ circumstances, and our Product Disclosure Statement (PDS) before making any investment decision or recommendation. Distributors of our products must consider our Target Market Determinations ("TMDs") which describe the investors for whom the product would likely be appropriate and consistent with their objectives, financial situation and needs. You can access our PDSs and TMDs at www.vanguard.com.au or by calling 1300 655 101. Past performance is not an indication of future performance. Our electronic publications are prepared in good faith and we accept no liability for any errors or omissions. Not all articles are prepared by Vanguard so they may not represent our views and opinions. Vanguard Investments Australia Limited is in no way responsible for the content or loss resulting from use of any website owned by a third party that may be linked to this email via a hyperlink. © 2026 Vanguard Investments Australia Ltd. All rights reserved. Use of cookies If you click through to the vanguard.com.au website from this email, a cookie may be placed on your computer to enable Vanguard or our third party service providers to collect information about your use of the vanguard.com.au website to support website performance, enhance site navigation, improve our web design and functionality and tailor our communications to you regarding our products and services. The information collected by Vanguard or our service providers does not include personal information that could be used to identify you such as your name, address, telephone number, email address, or account information. Unless you have adjusted your browser settings so that it will refuse cookies, our system may set cookies when you visit the site. You may choose to remove or disable cookies via your browser. Google Analytics uses data when you access the Vanguard website. For more information, see "HOW GOOGLE USES INFORMATION FROM SITES OR APPS THAT USE OUR SERVICES," located at https://policies.google.com/technologies/partner-sites. You can opt out of being tracked by Google Analytics at the following location: https://tools.google.com/dlpage/gaoptout. To learn more about how Vanguard uses cookies, please visit the Vanguard Cookie Policy. By using our website, you consent to the use of cookies as described above. Please do not reply to this email as it is not monitored. To contact us, please call us on 1300 655 101 between Monday and Friday, 8:00am to 6:00pm (AET). Terms and conditions of use | Disclaimers| Privacy policy | Cookie policy