[Smart Investing] Celebrations and expectations

19 December 2018 As the year draws to a close, the team at Smart Investing would like to thank you for your continued readership and support throughout 2018, and wish you and your family a very happy and safe holiday season. We will continue to share insights on our website, LinkedIn and Twitter pages in the coming weeks, and you can expect the next edition of Smart Investing to arrive in January 2019.

Celebrations and expectations It is the time of year when expectations can run high. Whether it is the expectations that come with the Christmas period, there is typically both a lot going on as one year is closing out and much to look forward to with the start of another.     Read more

Your guide to smarter holiday reading Become a better, more-disciplined investor through smarter holiday reading. Consider mixing a few investment classics among your pile of the latest thrillers and best-selling biographies.     Read more

Shares, managed fund or ETF? What is the difference? Shares, managed fund or ETF? What’s the difference and what asset classes are on offer? View and download our infographic.     Read more

Vanguard in the news Are we over-preparing for retirement? Nestegg  |  Stephanie Aikins  |  12 December 2018 Australians could be delaying their retirement for longer than necessary by overestimating their retirement spending needs and skipping over some key considerations of their working versus retirement life. According to Nathan Zahm, senior investment analyst at Vanguard Australia, while taking into account current spending patterns might be a good starting point when considering how much is needed in retirement savings, it is more important that individuals consider their monetary overall goals for the future. To read more, please visit the Nestegg 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 Retail managed funds CONNECT WITH US LinkedIn Twitter

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, Melbourne time. Vanguard ETF Trading & Support Team: 1300 655 888 8:00am - 6:00pm Monday to Friday, Melbourne time. Unsubscribing from this email: To unsubscribe from Smart Investing, please click here or contact us on 1300 655 101. 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 655 101. 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. Use of cookies If you click through to the vanguard.com.au website from this email, a cookie may be placed on your computer to enable Vanguard or our third party service providers to collect information about your use of the vanguard.com.au website to support website performance, enhance site navigation, improve our web design and functionality and tailor our communications to you regarding our products and services. The information collected by Vanguard or our service providers does not include personal information that could be used to identify you such as your name, address, telephone number, email address, or account information. Unless you have adjusted your browser settings so that it will refuse cookies, our system may set cookies when you visit the site. You may choose to remove or disable cookies via your browser. Google Analytics uses data when you access the Vanguard website. For more information, see "How Google uses data when you use our partners' sites or apps," located at www.google.com/policies/privacy/partners. You can opt out of being tracked by Google Analytics at the following location: https://tools.google.com/dlpage/gaoptout. To learn more about how Vanguard uses cookies, please visit the Vanguard Cookie Policy. By using our website, you consent to the use of cookies as described above. © 2018 Vanguard Investments Australia Ltd. All rights reserved. Terms and conditions of use  |  Disclaimers  |  Privacy policy

[Smart Investing] Take the pressure off this holiday season

12 December 2018

Take the pressure off this holiday season Given the gyrations on the local and global sharemarkets and property market, this holiday season could indeed be a well-timed break.     Read more

How you can benefit from FIRE - even if you don't retire early The stories about people who have embraced the Financial Independence Retire Early movement are fascinating.     Read more

Risks of share-picking in volatile markets Many investors may be more tempted to become share-pickers during times of higher volatility in an effort to cushion their portfolios from the impact of market downturns.     View video

Vanguard in the news Vanguard CIO Greg Davis: Markets return to reality The Australian | John Durie | 5 December 2018 Vanguard's chief investment officer, Greg Davis, yesterday urged investors to remember stocks are risky investments and that after an era of low volatility they should expect a return to more normal levels. In an interview on an Australian visit yesterday, Davis said volatility in recent years was running at half long-term averages and was now just returning to normal. To read more, please visit the The Australian 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 Retail managed funds CONNECT WITH US LinkedIn Twitter

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, Melbourne time. Vanguard ETF Trading & Support Team: 1300 655 888 8:00am - 6:00pm Monday to Friday, Melbourne time. Unsubscribing from this email: To unsubscribe from Smart Investing, please click here or contact us on 1300 655 101. 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 655 101. 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. Use of cookies If you click through to the vanguard.com.au website from this email, a cookie may be placed on your computer to enable Vanguard or our third party service providers to collect information about your use of the vanguard.com.au website to support website performance, enhance site navigation, improve our web design and functionality and tailor our communications to you regarding our products and services. The information collected by Vanguard or our service providers does not include personal information that could be used to identify you such as your name, address, telephone number, email address, or account information. Unless you have adjusted your browser settings so that it will refuse cookies, our system may set cookies when you visit the site. You may choose to remove or disable cookies via your browser. Google Analytics uses data when you access the Vanguard website. For more information, see "How Google uses data when you use our partners' sites or apps," located at www.google.com/policies/privacy/partners. You can opt out of being tracked by Google Analytics at the following location: https://tools.google.com/dlpage/gaoptout. To learn more about how Vanguard uses cookies, please visit the Vanguard Cookie Policy. By using our website, you consent to the use of cookies as described above. © 2018 Vanguard Investments Australia Ltd. All rights reserved. Terms and conditions of use  |  Disclaimers  |  Privacy policy

[Smart Investing] Coming together: Active/index strategies

05 December 2018

Coming together: Active/index strategies Discussions about investing in index funds and actively-managed funds are unfortunately often conducted as an "either-or" debate.     Read more

Successful indexing is harder than it looks Indexing can seem like a simple and straightforward endeavour, but the process is highly sophisticated with multiple moving parts.     Read more

Understanding indexing When it comes to investing it can be difficult to keep on outperforming year after year, even for experienced fund managers. Instead of trying to beat the market, index fund managers take a different approach.     View video

Vanguard in the news Morningstar picks its multi-sector favourites Shed connect | john Kavanagh | 3 December 2018 Investment researcher Morningstar has released its latest review of multi-sector funds, awarding eight 'gold' ratings and 11 'silver', concluding that they are a useful way for some investors to manage risk. In its review, Morningstar did not make any upgrades or downgrades but it added 17 funds to its coverage. Among those funds four Vanguard diversified ETFs were rated 'gold' and four Sunsuper funds were rated 'silver'. To read more, please visit the Shed Connect 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 Retail managed funds CONNECT WITH US LinkedIn Twitter

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, Melbourne time. Vanguard ETF Trading & Support Team: 1300 655 888 8:00am - 6:00pm Monday to Friday, Melbourne time. Unsubscribing from this email: To unsubscribe from Smart Investing, please click here or contact us on 1300 655 101. 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 655 101. 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. Use of cookies If you click through to the vanguard.com.au website from this email, a cookie may be placed on your computer to enable Vanguard or our third party service providers to collect information about your use of the vanguard.com.au website to support website performance, enhance site navigation, improve our web design and functionality and tailor our communications to you regarding our products and services. The information collected by Vanguard or our service providers does not include personal information that could be used to identify you such as your name, address, telephone number, email address, or account information. Unless you have adjusted your browser settings so that it will refuse cookies, our system may set cookies when you visit the site. You may choose to remove or disable cookies via your browser. Google Analytics uses data when you access the Vanguard website. For more information, see "How Google uses data when you use our partners' sites or apps," located at www.google.com/policies/privacy/partners. You can opt out of being tracked by Google Analytics at the following location: https://tools.google.com/dlpage/gaoptout. To learn more about how Vanguard uses cookies, please visit the Vanguard Cookie Policy. By using our website, you consent to the use of cookies as described above. © 2018 Vanguard Investments Australia Ltd. All rights reserved. Terms and conditions of use  |  Disclaimers  |  Privacy policy

[Smart Investing] The diversification jigsaw

28 November 2018

The diversification jigsaw For those who are intending to start the New Year with a new investment portfolio or by establishing a self-managed superannuation fund - it's time to map out a plan of what to invest in.     Read more

Sausage sizzles should be simple. So should your portfolio. I'd like to weigh in on a meaty topic: Australia's sausage sizzle crisis. As you may have heard by now, the national conversation about snags has hit a big one.     Read more

The importance of quality financial advice As you progress towards life goals like buying a house, starting a family or preparing for retirement, the world of finances and investing may seem overwhelming and complicated.     View video

Vanguard in the news Two ETFs for easy investing and good returns The Motley Fool | Tristan Harrison | 22 November 2018 The easiest way to get exposure to overseas investments could be through an ETF. These funds can give diversification to a whole range of good quality shares, with a low management fee. Vanguard is a worldwide leader in providing low-cost ETFs because it's run for the benefit of its members. The Vanguard MSCI Index International Shares ETF (ASX: VGS) ETF is about giving exposure to the entire global share market. There are 10 countries where 1 per cent or more of this ETF's assets are allocated, with the biggest three being the US, Japan and the UK. To read more, please visit the Motley Fool 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 Retail managed funds CONNECT WITH US LinkedIn Twitter

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, Melbourne time. Vanguard ETF Trading & Support Team: 1300 655 888 8:00am - 6:00pm Monday to Friday, Melbourne time. Unsubscribing from this email: To unsubscribe from Smart Investing, please click here or contact us on 1300 655 101. 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 655 101. 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. Use of cookies If you click through to the vanguard.com.au website from this email, a cookie may be placed on your computer to enable Vanguard or our third party service providers to collect information about your use of the vanguard.com.au website to support website performance, enhance site navigation, improve our web design and functionality and tailor our communications to you regarding our products and services. The information collected by Vanguard or our service providers does not include personal information that could be used to identify you such as your name, address, telephone number, email address, or account information. Unless you have adjusted your browser settings so that it will refuse cookies, our system may set cookies when you visit the site. You may choose to remove or disable cookies via your browser. Google Analytics uses data when you access the Vanguard website. For more information, see "How Google uses data when you use our partners' sites or apps," located at www.google.com/policies/privacy/partners. You can opt out of being tracked by Google Analytics at the following location: https://tools.google.com/dlpage/gaoptout. To learn more about how Vanguard uses cookies, please visit the Vanguard Cookie Policy. By using our website, you consent to the use of cookies as described above. © 2018 Vanguard Investments Australia Ltd. All rights reserved. Terms and conditions of use  |  Disclaimers  |  Privacy policy