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

What 30 years of market history can teach investors | Lessons from a long-term investor | Insights from Vanguard’s CIO

From market downturns to retirement, discover the value of staying invested through changing conditions.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. Markets, headlines and economic conditions will always change, but the principles of successful investing often remain the same. This edition looks at what 30 years of market history can teach investors through the 2026 Vanguard Index Chart, explores the investing journey of Melbourne retiree Toby Dods, and features insights from Vanguard Chief Investment Officer for APAC, Duncan Burns on the enduring value of diversification, discipline and long-term thinking. LATEST INSIGHTS Invest with perspective What Vanguard's Index Chart reveals about 30 years of market history and growth. Read article I came close to selling my portfolio during the Global Financial Crisis After 30 years of investing, Toby says patience and perspective paid off. Read article Why asset allocation remains an investor's most important decision Duncan Burns on the investing principles that stand the test of time. Watch In case you missed it RBA on hold, but retains a hawkish bias The RBA kept the cash rate unchanged at 4.35% at its August meeting. Learn more Why diversified ETFs are gaining momentum  Why more investors are choosing diversified ETFs to simplify portfolio management. Learn more Vanguard Super wins Canstar’s Most Satisfied Customers Award Vanguard Super recognised for value, service and member satisfaction. 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 the RBA rate hold may signal | Why diversified ETFs are booming | What matters most in a super fund

Insights on interest rates, diversified ETFs and what drives super fund satisfaction.

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. The RBA left interest rates unchanged, but according to Vanguard Senior Economist, Asia-Pacific, Grant Feng, its latest commentary suggests policymakers remain cautious about inflation and future rate cuts.   Not sure how much to invest in shares, bonds or global markets? Diversified ETFs are gaining momentum by offering a professionally managed portfolio in a single investment.   Lastly, discover what Australians value most in a super fund, with Canstar's 2026 awards highlighting value for money, strong service and an easy-to-use experience as key drivers of satisfaction. LATEST INSIGHTS RBA on hold, but retains a hawkish bias The RBA kept the cash rate unchanged at 4.35% at its August meeting. Read article Why diversified ETFs are gaining momentum  Why more investors are choosing diversified ETFs to simplify portfolio management. Read article Vanguard Super wins Canstar’s Most Satisfied Customers Award Vanguard Super recognised for value, service and member satisfaction. Read article In case you missed it 6 budget habits you can start today | She likes money You don’t need to be “good with money” to build wealth. Learn more The future is longer than you think | She likes money Investor Janielle Porter says financial confidence starts with preparation, not certainty. Learn more 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. 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