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

Why AI is becoming a value story

Plus our latest market outlook and Vanguard's new floating rate ETF.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. We take a tour around the world's markets with our latest regional outlook, Senior Investment Strategist Ian Kresnak explores why the rise of AI is creating opportunities beyond growth stocks and becoming a catalyst for value investing. We also look at Vanguard's first floating rate ETF globally, offering a low-cost way to access a diversified portfolio of senior floating rate bonds. LATEST INSIGHTS Our investment and economic outlook, August 2026 Our latest forecasts for investment returns and region-by-region economic outlook. Read article How AI is becoming a value-stock story AI is no longer just a growth story. Here's why value stocks are benefiting. Read article Vanguard launches first floating rate ETF globally to meet growing demands Vanguard launches its first floating rate ETF globally with VFLT. Read article In case you missed it Generation Mortgage: Why younger Australians face a very different retirement Vanguard's landmark report reveals the changing face of retirement in Australia. Learn more Financial literacy in Australia: Where we're improving (and falling behind) Vanguard's latest research reveals the strengths and gaps in Australians' financial knowledge. Learn more Five steps towards a more confident retirement Our research identifies five practical actions associated with greater confidence about the future. 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

Retiring with a mortgage? | Five steps to retirement confidence | Test your financial literacy

New Vanguard research explores changing retirement expectations, confidence and financial literacy.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. What will retirement look like for the next generation of Australians? Drawing on insights from Vanguard's latest How Australia Retires research, we explore why retiring with a mortgage may become more common, uncover the five actions linked to greater retirement confidence, and see how you stack up on three key financial literacy questions. LATEST INSIGHTS Generation Mortgage: Why younger Australians face a very different retirement Vanguard's landmark report reveals the changing face of retirement in Australia. Read article Five steps towards a more confident retirement Our research identifies five practical actions associated with greater confidence about the future. Read article Financial literacy in Australia: Where we're improving (and falling behind) Vanguard's latest research reveals the strengths and gaps in Australians' financial knowledge. Read article In case you missed it Invest with perspective What Vanguard's Index Chart reveals about 30 years of market history and growth. Learn more I came close to selling my portfolio during the Global Financial Crisis After 30 years of investing, Toby says patience and perspective paid off. Learn more Why asset allocation remains an investor's most important decision Duncan Burns on the investing principles that stand the test of time. Watch 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