[Smart Investing] Retirement planning beyond your years

Click here to view Smart Investing™ online. SmartInvesting™ With Robin Bowerman Principal, Market Strategy and Communications   03 February 2014   IN THIS EDITION: Retirement planning beyond your years Spending control in a low-interest environment Index returns: Hardly average Retirement planning beyond your years Some numbers, like birthdays, are more significant than others. They usually have a 0 or a 5 at the end.   Read more Spending control in a low-interest environment Given that the official cash rate (or its nearest proxy) is at its lowest point recorded in more than half a century, it is hardly surprising that many more people are apparently loosening their purse strings.   Read more Index returns: Hardly average Market-tracking traditional index funds and Exchange Traded Funds (ETFs) have produced returns over the medium and long terms that could hardly be described as average.   Read more Vanguard in the news Why structure delivers the best DIY super result John Wasiliev | 25 January 2014 For a DIY super funds a structured portfolio strategy is increasingly advocated. The main feature of this organised approach is specific allocations to particular investments, like a certain proportion in shares – and not just Australian shares but also a planned allocation to international shares. To read more, please visit the Australian Financial Review website. Please note the link above will show a copy of the article (where freely available), or the publisher's website if a subscription is required. QUICK LINKS Exchange Traded Funds Performance News and Commentary Retail Managed Funds Client services Online: Click here to see contact details for the Vanguard Client Services Team around Australia. Client service associates are available from 8:00am to 6:00pm, Monday to Friday (Melbourne time). Email: clientservices@vanguard.com.au Telephone: 1300 655 101 8:00am - 6:00pm Monday to Friday, Melb time. Vanguard ETF Help desk: 1300 655 888 8:00am - 6:00pm Monday to Friday, Melb time. Unsubscribing from this email: To unsubscribe from Vanguard communications, please email clientservices@vanguard.com.au or contact us on 1300 655 101. General advice warning Vanguard Investments Australia Ltd ABN 72 072 881 086 / AFS Licence 227263 is the product issuer. We have not taken your or your clients' 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 or your clients' circumstances and our Product Disclosure Statement (PDS) before making any investment decision. You can access our PDS here or by calling 1300 655 205. 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 2014 Vanguard Investments Australia Ltd. All rights reserved. Terms and conditions of use  |  Disclaimers  |  Privacy policy CONNECT WITH US  LinkedIn  Twitter