[Smart Investing] What value the government annuity?; Why asset allocation really matters; Crackdown on wayward SMSFs

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27 August 2012 What value the government annuity? Not many people ignore or turn a blind eye to an asset worth more than $400,000. In retirement planning circles the Holy Grail is a product that delivers steady income and is capital guaranteed. Read more » Why asset allocation really matters More than quarter of a century ago, a landmark investment research paper by three US academics concluded that the asset allocation of an investment portfolio is the primary driver of its long-term performance. Read more » Crackdown on wayward SMSFs The tax office, in its role as regulator of self-managed super for the past 10 years, has long emphasised that most SMSF trustees genuinely try to comply with superannuation law. 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. Fund Manager of the Year: tricks of the trade Jason Clout, 22 August 12 Vanguard was awarded Fund Manager of the Year at the Smart Investor Blue Ribbon Awards, an acknowledgment of the success of its index-based investment across a number of asset classes. AFR website »	QUICK LINKS   Tim Blue interviews Holly Dorber from FSC Lifewise Video | 31 July 2012 Financial planning from the outset Video | 16 July 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] The price of trust; Where does the pension fit with your retirement savings?; Not quite Usain Bolt

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20 August 2012 The price of trust There is one element of our superannuation system that money cannot buy – trust. Despite successfully developing into an industry now responsible for the management of more than $1.4 trillion of Australians' retirement savings, super funds fundamentally rely on the confidence of their members to continue to operate. Read more » Where does the pension fit with your retirement savings? Given that the vast majority of retirees currently rely on a full or part age pension, it's vital for most of us to consider where this income source fits in with our overall retirement savings and income. Read more » Not quite Usain Bolt The most dreaded tax task for many taxpayers after actually paying tax is preparing their tax returns. 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. It all adds up Janice Mace, 10 August 12 A dollar saved is a dollar earned. With markets continuing to provide a bumpy ride and returns remaining low, investors seem determined to apply this old adage and are searching for ways to save. Money Manager website »	QUICK LINKS   Tim Blue interviews Holly Dorber from FSC Lifewise Video | 31 July 2012 Financial planning from the outset Video | 16 July 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] Why SMSFs challenge the status quo; Ageing, greying and still working; Those who miss out

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13 August 2012 Why SMSFs challenge the status quo The growth in self-managed super funds is causing heartburn among institutional super funds. With around $416 billion invested via 468,000 SMSFs in March 2012 which represents more than 30 per cent of the entire superannuation market SMSFs continue to confound the critics with the rate at which the sector is growing. Read more » Ageing, greying and still working A recent article in The Economist magazine - headed Sticking Around - relates how unprecedented numbers of older people are remaining in the workforce since the outbreak of the GFC. Read more » Those who miss out Women, the self-employed, the unemployed and the very elderly share a common misfortune: their superannuation savings are typically much lower than other members of the community. 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. A question of survival Ben Collins, 3 August 12 Lawmakers have stepped up and have responded to the history of product flogging in wealth management, leading to an inflection point where the only fund managers that will survive are those willing to reinvent their business. Financial Standard website »	QUICK LINKS   Financial planning from the outset Video | 16 July 2012 How best to invest in the rural sector Webinar | 15 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.