[Smart Investing] Super loser out of political tug of war; A costly payout; SMSFS: Costs versus performance

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27 April 2012   Super loser out of political tug of war Superannuation is a tug of war between the demands on today's cash flow and the long-term benefit of saving more for your retirement years. Which would you choose from the following: a holiday or new car this year or a larger voluntary contribution to super? Read more » A costly payout A seemingly relentless superannuation scam involves persuading super fund members to enter arrangements to gain early access to their super savings. Read more » SMSFS: Costs versus performance One of the most interesting findings in a new tax office report – Self-Managed Superannuation Funds – A Statistical Overview – is that the bigger the balance, the better the performance during the financial years examined. Read more » Vanguard in the news These links show a copy of the article (where freely available), or the publisher's website if a subscription is required. Construction underway Elise Burgess, 09 Apr 12 Portfolio construction is being revamped, reviewed and repackaged for the retail marKet, as it becomes more closey aligned with the institutional style model portfolio. Financial Standard Magazine »	QUICK LINKS   Why annuities need work Webinar | 24 Apr 2012 Flexing your SMSF muscles Webinar | 10 Apr 2012 Traps to avoid for SMSF trustees who go travelling Webinar | 03 Apr 2012   CONTACT US Email clientservices@vanguard.com.au Our office: Level 34, Freshwater Place 2 Southbank Boulevard Southbank VIC 3006 (map) Telephone: 1300 655 101, 8:00am - 6:00pm Monday to Friday, Melb time.   Vanguard ETF enquiries For more information on Vanguard ETFs please call 1300 655 888 Unsubscribe  |  Vanguard on Twitter
We will keep your details so that in future we can also send you marketing material on products and services offered by us. (By providing your details you agree we can do so.) You can let us know at any time if you no longer wish to receive information from us. We may provide your details to our service providers - for example, the mailhouses which dispatch our publications - or to market research companies which conduct research for us. You can access or update your contact details at any time by contacting Vanguard on 1300 655 101. To view our full privacy policy, which outlines what we will do with any information we collect from you, click here or contact us to request a copy. Vanguard Investments Australia Ltd ABN 72 072 881 086 / AFS Licence 227263 is the product issuer. We have not taken your circumstances into account when preparing the information in our electronic publications so they may not be applicable to your circumstances. You should therefore consider your circumstances and our Product Disclosure Statement (PDS) before making any investment decision. You can access our PDS online 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 hyperlink. "Vanguard", "Vanguard Investments", "Vanguard Online", "Plain Talk", "LifeStrategy", "Smart Investing", "the Helm" and the ship logo are trademarks of The Vanguard Group, Inc. © Copyright 2012 Vanguard Investments Australia Ltd. All rights reserved.

[Smart Investing] SMSFs winning on cost control; Inside story on SMSFs; Have you an urge to switch super funds?

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20 April 2012   SMSFs winning on cost control When it comes to fashionable trends in superannuation it is hard to go past self-managed super funds. For the five years to the end of June 2011 SMSFs have been the fastest growing sector of the super industry. That is one of the results out of the latest statistical overview of the SMSF sector published by the tax office earlier this month. Read more » Inside story on SMSFs One of the achievements of the Cooper superannuation review was to gather an unprecedented amount of information about self-managed super funds, including from previously unpublished ATO statistics. Read more » Have you an urge to switch super funds? Do you read the reports on average superannuation performance regularly published by specialist superannuation researchers and sometimes feel an urge to switch super funds? Read more » Vanguard in the news These links show a copy of the article (where freely available), or the publisher's website if a subscription is required. Slash the cost Peter Freeman, 01 Apr 12 Managed funds are popular with investors - even more so if you minimise the associated fees. Money Magazine »	QUICK LINKS   Flexing your SMSF muscles Webinar | 10 Apr 2012 Traps to avoid for SMSF trustees who go travelling Webinar | 03 Apr 2012 Exchange Traded Funds Webinar | 27 Mar 2012   CONTACT US Email clientservices@vanguard.com.au Our office: Level 34, Freshwater Place 2 Southbank Boulevard Southbank VIC 3006 (map) Telephone: 1300 655 101, 8:00am - 6:00pm Monday to Friday, Melb time.   Vanguard ETF enquiries For more information on Vanguard ETFs please call 1300 655 888 Unsubscribe  |  Vanguard on Twitter
We will keep your details so that in future we can also send you marketing material on products and services offered by us. (By providing your details you agree we can do so.) You can let us know at any time if you no longer wish to receive information from us. We may provide your details to our service providers - for example, the mailhouses which dispatch our publications - or to market research companies which conduct research for us. You can access or update your contact details at any time by contacting Vanguard on 1300 655 101. To view our full privacy policy, which outlines what we will do with any information we collect from you, click here or contact us to request a copy. Vanguard Investments Australia Ltd ABN 72 072 881 086 / AFS Licence 227263 is the product issuer. We have not taken your circumstances into account when preparing the information in our electronic publications so they may not be applicable to your circumstances. You should therefore consider your circumstances and our Product Disclosure Statement (PDS) before making any investment decision. You can access our PDS online 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 hyperlink. "Vanguard", "Vanguard Investments", "Vanguard Online", "Plain Talk", "LifeStrategy", "Smart Investing", "the Helm" and the ship logo are trademarks of The Vanguard Group, Inc. © Copyright 2012 Vanguard Investments Australia Ltd. All rights reserved.

[Smart Investing] When cash is king, what does tomorrow hold?; ETFs cover 'all food groups'; A question for baby boomers

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13 April 2012   When cash is king, what does tomorrow hold? Cash is the king of today. But what tomorrow holds no-one can predict with certainty. Much has been written about the fact that Australia's economy came through the global financial crisis largely unscathed and without dipping into recession. Read more » ETFs cover 'all food groups' An article in The Australian late last month quoted a financial planner as saying that the recent listing of fixed-interest Exchange Traded Funds (ETFs) on the Australian market means ETFs now cover "all of the food groups". Read more » A question for baby boomers Older baby boomers are increasingly asking themselves a short yet often difficult-to-answer question: When should I retire? Read more » Vanguard in the news These links show a copy of the article (where freely available), or the publisher's website if a subscription is required. Picking peaks can be problematic Sally Patten, 11 Apr 12 As the effects of the global financial crisis continue to ripple through the investment community, many experts are calling for a wholesale re-think of the way superannuation funds invest. AFR website » Does your super need a bonding agent? John Beveridge, 04 Apr 12 With former Future Fund boss David Murray warning that most Australians have too many shares and not enough bonds in their superannuation, it is a question well worth asking. Herald Sun website » (subscription required)	QUICK LINKS   Flexing your SMSF muscles Webinar | 10 Apr 2012 Traps to avoid for SMSF trustees who go travelling Webinar | 03 Apr 2012 Exchange Traded Funds Webinar | 27 Mar 2012   CONTACT US Email clientservices@vanguard.com.au Our office: Level 34, Freshwater Place 2 Southbank Boulevard Southbank VIC 3006 (map) Telephone: 1300 655 101, 8:00am - 6:00pm Monday to Friday, Melb time.   Vanguard ETF enquiries For more information on Vanguard ETFs please call 1300 655 888 Unsubscribe  |  Vanguard on Twitter
We will keep your details so that in future we can also send you marketing material on products and services offered by us. (By providing your details you agree we can do so.) You can let us know at any time if you no longer wish to receive information from us. We may provide your details to our service providers - for example, the mailhouses which dispatch our publications - or to market research companies which conduct research for us. You can access or update your contact details at any time by contacting Vanguard on 1300 655 101. To view our full privacy policy, which outlines what we will do with any information we collect from you, click here or contact us to request a copy. Vanguard Investments Australia Ltd ABN 72 072 881 086 / AFS Licence 227263 is the product issuer. We have not taken your circumstances into account when preparing the information in our electronic publications so they may not be applicable to your circumstances. You should therefore consider your circumstances and our Product Disclosure Statement (PDS) before making any investment decision. You can access our PDS online 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 hyperlink. "Vanguard", "Vanguard Investments", "Vanguard Online", "Plain Talk", "LifeStrategy", "Smart Investing", "the Helm" and the ship logo are trademarks of The Vanguard Group, Inc. © Copyright 2012 Vanguard Investments Australia Ltd. All rights reserved.