The borrowing fallout from higher rates | Is downsizing losing steam? | Checking your portfolio

The fallout from higher rates. The downsizing decline. Your portfolio.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. The Reserve Bank's rates lift last week will flow through to most borrowers. In our lead article we detail the RBA's economic challenges and our outlook for rates. Separately, we look into the reasons why fewer Australians are taking up the government's home downsizing superannuation scheme. Lastly, have you checked your investment portfolio today? See why staying the course gives you the best chance of investment success.  LATEST INSIGHTS The borrowing fallout from higher-for-longer rates Lenders are likely to start passing through the RBA’s rate rise fairly quickly. Read article Are downsizer contributions losing steam? Tax Office data shows fewer people used its super scheme in 2024-25. Read article Have you checked your portfolio today? Rather than worrying about day-to-day price movements, focus here instead. Read article In case you missed it How $10,000 investments performed over five years and why diversification matters Investment diversification can help you build a resilient and balanced portfolio. Learn more What company delistings mean for ETFs How ETF weightings are adjusted when companies disappear from an index. Learn more Make investing for your kids a 2026 resolution Help your children or grandchildren to learn about investing. 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 $10,000 investments performed over five years | What company delistings mean for ETFs | Investing for your kids

How $10,000 investments performed. Delistings. Investing for kids.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. We've examined the annualised returns of six Vanguard funds to show how $10,000 investments performed over five years and why diversification matters. Meanwhile, have you ever wondered what happens to an ETF when a company is delisted? Here's how portfolio managers such as Vanguard maintain their index weightings . Lastly, investing for children can be the gift that keeps on giving. Learn about Vanguard Kids Accounts.  LATEST INSIGHTS How $10,000 investments performed over five years and why diversification matters Investment diversification can help you build a resilient and balanced portfolio. Read article What company delistings mean for ETFs How ETF weightings are adjusted when companies disappear from an index. Read article Make investing for your kids a 2026 resolution Help your children or grandchildren to learn about investing. Read article In case you missed it Five financial steps for the new year The start of new year is a good opportunity to take decisive financial steps. Learn more How to invest your next dollar An emerging equity rotation and its drivers. Learn more Our investment and economic outlook, January 2026 Our latest forecasts for investment returns and region-by-region economic outlook. 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

Five financial steps for the new year | How to invest your next dollar | Our January investment and economic outlook

Five new year steps. How to invest your next dollar. Our latest outlook

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. The new year warrants a financial reset. Consider taking these five important financial steps. Also, January is a time when interest runs high in investment return outlooks and asset allocation for the coming year. We’ve repeatedly heard these three questions. Lastly, read our January investment and economic outlook and forecasts. LATEST INSIGHTS Five financial steps for the new year The start of new year is a good opportunity to take decisive financial steps. Read article How to invest your next dollar An emerging equity rotation and its drivers. Read article Our investment and economic outlook, January 2026 Our latest forecasts for investment returns and region-by-region economic outlook. Read article In case you missed it Vanguard cements top ETF spot after a record year of inflows from Australian investors Vanguard ETF products attracted $16 billion (31%) of total investor inflows over 2025. Learn more Seven investing lessons from Vanguard’s founder How Jack Bogle helped millions to build their wealth. Learn more ASIC warns investors on pump and dump scammers How investors are being duped by unscrupulous operators. 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