[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