[Smart Investing] Grandfathering creates two classes of investors; Overcoming a super barrier; Why SMSFs are cautious about residential property

30 October 2012 - [ click here to view this email online ]
Grandfathering creates two classes of investors The devil, as they say, is always in the detail. The Australian financial advice industry is on the cusp of a generational regulatory change. [more »] Overcoming a super barrier One of the key psychological and financial barriers facing super has just been overcome. [more »] Why SMSFs are cautious about residential property It seems that many trustees of self-managed super funds are particularly cautious about including residential property in their portfolios. [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. Vanguard launches Fixed Interest Index ETFs Linda Hausken, 25 October 2012 Vanguard has introduced a new low cost Exchange Traded Fund range with the launch of the Vanguard Australian Fixed Interest Index ETF. Financial Standard website »	QUICK LINKS   Tim Blue: Asset Allocation Video | 26 October 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] What an A-grade pension system looks like; 'The Money or the Box?'; Attention turns to our tax affairs

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22 October 2012 What an A-grade pension system looks like The Australian superannuation system may be going through a major regulatory overhaul but when ranked through a global lens our retirement savings system scores highly. Read more » 'The Money or the Box?' One of the early stars of Australian television, Bob Dyer, used to ask winning contestants on his quiz show a simple question: "The money or the box?" This meant the contestants would choose between a pile of cash or a so-called box that, when opened, could reveal something highly valuable or of no value. Read more » Attention turns to our tax affairs There are probably few things that focus the mind more on the state of our tax planning than lodging our latest tax return. 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. Indexing reaches all time high Melanie Timbrell, 24 September 2012 June 2012 saw the figure for indexed FUM climb to $238 billion - the highest ever level in Australia, according to Rainmaker's latest manager survey, with market penetration likewise hitting a record 16.6%. Financial Standard 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 road to retirement; ETFs: Why costs really matter; A matter of interpretation

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03 October 2012 The road to retirement Retirement is more a two-phase journey than a specific destination. The first phase is the accumulation of savings both within and outside superannuation to fund your retirement lifestyle. The second phase is the draw-down period where you start to spend the savings after the regular pay packet has stopped arriving in the bank account every fortnight. Read more » ETFs: Why costs really matter The cost advantage of Exchange Traded Funds (ETFs) over actively-managed share funds is considerable. Read more » A matter of interpretation Interpreting the latest returns of the large super funds can be somewhat challenging for fund members. 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. Indexing reaches all time high Melanie Timbrell, 24 September 2012 June 2012 saw the figure for indexed FUM climb to $238 billion - the highest ever level in Australia, according to Rainmaker's latest manager survey, with market penetration likewise hitting a record 16.6%. Financial Standard 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.