[Smart Investing] Retirement savings challenge; Last-minute super contributions

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22 June 2012   Retirement savings challenge How many years do you expect to spend in retirement? This is, of course, a basic question for anyone who is seriously saving to finance an adequate standard of living in retirement. Read more » Last-minute super contributions A recent decision by the Administrative Appeals Tribunal serves as a warning for super fund members about the risks of waiting until the last few days of the financial year to make a super contribution. 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. Index-trackers show up underperforming fund managers Patrick Commins, 17 June 12 Paying fees to professional fund managers when markets are crashing is like slipping somebody $10,000 to smash your uninsured car: a very bad deal indeed. And based on data obtained exclusively by Smart Investor Money, a lot of fund managers are still being paid to underperform the market. Sydney Morning Herald website »	QUICK LINKS   Super: Post-Budget Video | 30 May 2012 Fixed Interest Investing Video | 04 May 2012 Tax smart SMSFs Webinar | 01 May 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. © Copyright 2012 Vanguard Investments Australia Ltd. All rights reserved.

[Smart Investing] Great expectations; ATO focuses on novice investors; Investment Trends Survey

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15 June 2012   Great expectations Many baby boomers would, no doubt, take hoped-for inheritances into account when calculating how much to save for retirement. But how realistic is it to assume that an expected inheritance from ageing parents will provide a perhaps much-needed boost to retirement savings? Read more » ATO focuses on novice investors A key part of sound personal finance practice is to ensure you have at least a broad knowledge of how tax applies to your investments - and to understand the need to gain professional tax advice when necessary. Read more » Investment Trends Survey Vanguard is committed to continually improving our services to clients. One tool that helps us to do this is the annual Investment Trends member sentiment survey. Vanguard and Investment Trends would like to hear about your views on the financial industry overall and specifically how we can improve our services to you. You can access the 15-25 minute survey by following the link below. Complete the survey » 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. Focus on gold and dividend yields John Beveridge , 05 Jun 12 Investors today are sitting in two camps - the uber-bears who are flocking to the safety and tiny returns offered by bonds and the opportunists who think the current air of crisis is exposing a world full of tempting bargains. Herald Sun website » (subscription required)	QUICK LINKS   Super: Post-Budget Video | 30 May 2012 Fixed Interest Investing Video | 04 May 2012 Tax smart SMSFs Webinar | 01 May 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. © Copyright 2012 Vanguard Investments Australia Ltd. All rights reserved.

[Smart Investing] A sharp reminder of excess super contributions; Geared property in SMSFs: there is plenty to think about

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08 June 2012   A sharp reminder of excess super contributions Perhaps the sharpest reminder that superannuation fund members can get about the risks of making excess super contributions is to receive an excess benefits tax assessment relating to an earlier financial year. Read more » Geared property in SMSFs: there is plenty to think about The recent release of a final ruling by the tax office in its role as regulator of self-managed super has led to a succession of articles by superannuation commentators about the gearing of property in SMSFs. Read more » Annual Sentiment & Communications Survey Vanguard supports the annual Investment annual Trends Sentiment and Communications survey. By completing the anonymous survey you can help us improve our service. Complete the survey » 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. ETF pool gets deeper by the day Ruth Liew, 03 Jun 12 Media producer Vishal Teckchandani is a big fan of exchange-traded funds, which he uses to tap into a basket of investments in one go and glean sharemarket returns. AFR website »	QUICK LINKS   Super: Post-Budget Video | 30 May 2012 Fixed Interest Investing Video | 04 May 2012 Tax smart SMSFs Webinar | 01 May 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. © Copyright 2012 Vanguard Investments Australia Ltd. All rights reserved.