What Vietnam’s market upgrade means for investors

What Vietnam's upgrade means, how to choose between shares, ETFs and funds, and investing lessons from women.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. FTSE Russell has upgraded Vietnam to Emerging Market status. Find out what this milestone means for investors. We also explore the differences between shares, managed funds and ETFs, and how a core-satellite approach can combine all three.    Finally, discover why investing success is often driven by patience, discipline and a long-term mindset, rather than confidence alone. LATEST INSIGHTS Vietnam's Emerging Market upgrade What Vietnam's Emerging Market upgrade means for diversified investors. Read article DIY investing: Stocks, managed funds or ETFs?  Shares, active funds or ETFs? Find the approach that suits your goals. Read article How women invest: Discipline beats false confidence If confidence feels like a barrier to getting started or building your portfolio, you’re not alone. Read article In case you missed it The retirement gap we don't talk about Retirement confidence isn’t just about your nest egg, it’s about your plan. Learn more Japan’s higher rates raise stakes for global markets How Japan’s rising rates may shift global capital flows and add pressure to bond yields. Learn more Is your super on track? It’s about understanding where you are, knowing what matters, and feeling more confident about your next step. 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

From retirement planning to global markets

Insights on retirement confidence, superannuation and the investment implications of Japan's rising rates.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. Many Australians know exactly what they pay on their mortgage, but far fewer understand the fees on their super. In this edition, Renae Smith, Chief of Personal Investor at Vanguard Australia, explores why retirement confidence is about more than money and how small steps today can help you prepare for the future.   Also in this issue, we look at a question many Australians ask themselves: are you on track with your super? And as interest rates rise in Japan, we examine what increasing competition for global capital could mean for bond yields and investors around the world. LATEST INSIGHTS The retirement gap we don't talk about  Retirement confidence isn’t just about your nest egg, it’s about your plan. Read article Is your super on track? It’s about understanding where you are, knowing what matters, and feeling more confident about your next step. Read article Japan’s higher rates raise stakes for global markets How Japan’s rising rates may shift global capital flows and add pressure to bond yields. Read article In case you missed it The three phases of retirement: Key decisions at every stage Retirement is a journey. Here's how to plan for each stage with confidence. Learn more Beyond the big banks – how other investment options can help you diversify Bank shares are popular, but ETFs can help diversify beyond Australia's major banks. Learn more Money myths about investing and saving | She likes money Five common myths that may be holding you back, and what to know instead. 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

How to navigate the three phases of retirement

Plus, why it may pay to look beyond the big banks and we challenge common money myths.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. This week, we explore the key decisions that can help you navigate the three phases of retirement with confidence, from building your savings to drawing an income and planning your legacy. We also look at why many Australians may benefit from diversifying beyond the big banks and finally we bust five common money myths that could be holding you back. LATEST INSIGHTS The three phases of retirement: Key decisions at every stage Retirement is a journey. Here's how to plan for each stage with confidence. Read article Beyond the big banks – how other investment options can help you diversify Bank shares are popular, but ETFs can help diversify beyond Australia's major banks. Read article Money myths about investing and saving | She likes money Five common myths that may be holding you back, and what to know instead. Read article In case you missed it Our investment and economic outlook, August 2026 Our latest forecasts for investment returns and region-by-region economic outlook. Learn more How AI is becoming a value-stock story AI is no longer just a growth story. Here's why value stocks are benefiting. Learn more Vanguard launches first floating rate ETF globally to meet growing demands Vanguard launches its first floating rate ETF globally with VFLT. 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