[Smart Investing] SMSFs and the fit factor; Disputes over super death benefits; One of the great investment lessons

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26 September 2012 SMSFs and the fit factor Self-managed super funds come standard with a common requirement - a long-term commitment. The decision to establish an SMSF is not something done lightly - it is essentially deciding to establish a life-long investment vehicle to house your retirement savings. But that is a decision being taken by more and more Australians as the latest report from the Australian Tax office on SMSFs reveals . Read more » Disputes over super death benefits If you are ever going to have a dispute with a super fund, chances are it is going to be about fund administration or the distribution of superannuation death benefits following the death of a relative. Read more » One of the great investment lessons As the sharemarket enjoys a positive run (at least to the time of writing) and failed Queensland financial planning group Storm Financial makes headlines again, it is worthwhile revisiting one of the great investment lessons reinforced by the fallout from the GFC. Read more » Survey of financial needs and concerns Vanguard is working with the SMSF Professionals Association of Australia (SPAA) to better understand the issues facing investors with an SMSF either in, or approaching retirement. We would appreciate your help with an online survey that you can access here: http://www.zoomerang.com/Survey/WEB22GJVSBKGL3/ The survey will take 20-30 minutes and is completely anonymous. The results will help identify the issues that SMSFs are facing in the post-retirement years. 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. REITs rebuild their reputations David Potts, 19 Sept 12 It took five years but real estate investment trusts (REITs) have come in from the cold and are easily outperforming the rest of the sharemarket. Funds that invest in REITs are posting annual returns of up to 35 per cent including distributions. 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] It’s getting tough for active fund managers to beat the market; Making a comeback; Money to burn or save?

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18 September 2012 It's getting tough for active fund managers to beat the market Sailors know better than most the challenge of battling strong headwinds. Investors in the fixed income space, by contrast, seem to be operating in a world of eternal optimism – despite strong and prevailing market winds they press on hoping for a change in wind direction. Read more » Making a comeback We read from time to time about retired sports stars - from former Olympic swimming champions to heavyweight boxers and professional surfers - who make comebacks with varying degrees of success. Read more » Money to burn or save? The tax office reports that 5.5 million individuals had lodged their 2011-12 tax returns by early this month, and more than 4.2 million refunds totalling $9.76 billion had been paid. 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. Forget the rest, here are the best Jason Clout, 09 Sept 12 From a host of worthy contenders, the stars of the banking sector have been revealed with the judges delivering their verdicts on the top performers in the financial sector. The Age 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 promise of spring; How to stretch your retirement savings to a very old age; Trillion-dollar price tag of a long life

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10 September 2012 The promise of spring Investor sentiment, like the seasons, can turn sharply. For those of us living in the southern states the arrival of spring weather has been a welcome circuit breaker after what seems to have been a long, chilly, wet winter. Read more » How to stretch your retirement savings to a very old age Anyone trying to save enough to finance a satisfactory standard of living in retirement would not ignore the possibility of living beyond his or her life expectancy. Read more » Trillion-dollar price tag of a long life It is challenging for most of us to save enough to provide for an adequate standard of living in retirement – if we live within our life expectancy. And it is even more challenging to save enough to allow for the distinct possibility that we may live beyond our life expectancy. 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. Overall best fund providers 25 Aug 12 It's a mix of the new and the old among the top fund managers in this year's Financial Review Smart Investor Blue Ribbon awards. 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.