Six budget habits you can start now | Confidence starts with preparation | Vanguard tops MySuper rankings

Turn your budget goals into action, one woman's journey to financial confidence, and a top-ranked super fund.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. Whether you're paying down debt, building savings or investing for the future, smart budgeting can help turn your goals into action. We share six budget habits you can start today. Then investor Janielle Porter shares why building financial confidence is less about having all the answers and more about feeling prepared for the future. Finally, Vanguard Super's top ranking in the latest SuperRatings survey reinforces the value of a low-cost, diversified investment approach for retirement savings.  LATEST INSIGHTS 6 budget habits you can start today | She likes money You don’t need to be “good with money” to build wealth. Read article The future is longer than you think | She likes money Investor Janielle Porter says financial confidence starts with preparation, not certainty. Read article Vanguard Super tops SuperRatings MySuper rankings with industry-leading three-year return Vanguard Super tops MySuper rankings with 11.86% p.a. over three years. Read article In case you missed it Our investment and economic outlook, July 2026 Our latest forecasts for investment returns and region-by-region economic outlook. Learn more AI and jobs: Still in an ATM phase AI may change jobs, but history suggests mass job losses are unlikely. Learn more Rotation away from large-cap tech accelerates Why the AI winners are no longer just the Magnificent Seven. 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

What's next for markets, tech stocks and the future of work?

Discover our latest market outlook, what's behind the Mag Seven’s slowdown, and the changing world of work.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. Gain a region-by-region perspective on the global economy and markets in our latest investment and economic outlook. Then, our Senior Economist examines whether AI is really coming for white-collar jobs, and why the answer may be more nuanced than many think.    Finally, discover why the Magnificent Seven have lost momentum and how investor interest is expanding across the broader AI ecosystem. LATEST INSIGHTS Our investment and economic outlook, July 2026 Our latest forecasts for investment returns and region-by-region economic outlook. Read article AI and jobs: Still in an ATM phase AI may change jobs, but history suggests mass job losses are unlikely. Read article Rotation away from large-cap tech accelerates Why the AI winners are no longer just the Magnificent Seven. Read article In case you missed it Separation or divorce and your super Understand your rights when it comes to super. Learn more Three things to know before buying ETFs  Buying an ETF? Understand order types, market conditions and trade timing. Learn more Can I still get the Age Pension if my super is healthy? A healthy super balance doesn't always rule you out of the Age Pension. 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

Aris, three years of double-digit returns

Time to upgrade your super?

Having trouble viewing this email? View Online A year of double-digit returns is good. Three in a row is better1. Do you know how your super has performed lately, Aris? The best way to know is to compare it. Vanguard Super’s Lifecycle option, has returned 12.99% over three years to 30 June 2026 for members aged 47 and under. That’s now three years of double-digit returns! Compare Vanguard Super across fees, performance and other features to understand how it stacks up against your current fund.   Compare my super Vanguard Super vs Industry returns What could this mean for your super balance? Since launching in October 2022, Vanguard Super's Lifecycle has delivered a 13.21% annualised return for members aged 47 and under.3  Vanguard Super Lifecycle aged 47 and under monthly returns since launch This means a starting balance of $100,000 would have grown to around $157,020 by 30 June 2026.4 And while past performance isn’t a reliable indicator of future performance, that's great news for your retirement kitty! Like what you see? Open an account in less than 10 minutes. Join Vanguard Super Connect with Us 1. Past performance is not a reliable indicator of future performance. Vanguard Super Lifecycle 47 and under outperformed the median return for Growth (77-90) options over 1 year to 30 June 2026 and also delivered double-digit returns for FY24, FY25 and FY26. 2. Vanguard Lifecycle Age 47 and under 3 year return to 30 June 2026 compared against the median return for Growth (77-90) options. SuperRatings Fund Crediting Rate survey, June 2026. Past performance is not a reliable indicator of future performance. 3. Annualised return since launch is from 5 October 2022 through to 30 June 2026. Performance since launch may not be an indicator of performance over longer periods.  4. Past performance is not a reliable indicator of future performance. Ending balance of $157,020 as at 30 June 2026 is based on a starting balance of $100,000 invested since inception on 5 October 2022. Investment returns are based on monthly performance for Lifecycle 47 and under. Returns are after investment fees and taxes. Administration fees and costs are deducted at the end of each month. Other fees and costs may apply, please refer to the PDS for more information. Past performance information is for illustrative purposes only and investment returns are not guaranteed. 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) (VIA) is the product issuer and operator of Vanguard Personal Investor. Vanguard Super Pty Ltd (ABN 73 643 614 386 / AFS Licence 526270) (the Trustee) is the trustee of Vanguard Super (ABN 27 923 449 966) and the issuer of Vanguard Super products. The Trustee has contracted with Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) (VIA) to provide some services to members of Vanguard Super. Any general advice is provided by VIA. The Trustee and VIA are both wholly owned subsidiaries of The Vanguard Group, Inc. (collectively, "Vanguard"). The information provided in this email is general in nature and doesn't take into account your personal financial objectives, situation or needs. You should consider your objectives, financial situation or needs, and the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making any decision about Vanguard Super. The PDS and TMD can be accessed free of charge at vanguard.com.au/super or by calling 1300 655 101. Before you make any financial decision regarding Vanguard Super, you may wish to seek professional advice from a suitably qualified adviser. Past performance information is given for illustrative purposes only and should not be relied upon as, and is not, an indication of future performance. This email was prepared in good faith and we accept no liability for any errors or omissions. For security reasons, Vanguard will not send you an email or SMS with clickable links asking you to verify or provide your personal information such as your account or login details. 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). © 2026 Vanguard Super Pty Ltd. All rights reserved. Terms and conditions of use | Disclaimers | Privacy policy | Cookie policy