[Smart Investing] Retire on your own terms and not the market's

Investment and personal finance insights from Vanguard Australia

11 December 2019

Dear Smart Investing subscribers, This weekly newsletter was established in 2005 with the aim of informing and educating investors on topical issues. In the 14 years since inception, we have published nearly 2,000 articles across 600 editions and grown to a community of over 20,000 readers. We are keen to learn a bit more about you, our readers, and hear what you have to say about Smart Investing. Please take a few minutes to answer this four question survey to help us gain insights into the topics you've enjoyed reading and what you'd like us to write more about in 2020. This is the final edition of Smart Investing for 2019 - we will be back in mid January 2020. Until then, have a great rest of year and we look forward to connecting with you in the new year.

Robin Bowerman

Retire on your own terms and not the market's One of the biggest retirement challenges is ensuring that the savings accumulated during your working years lasts as long as you do.     Read more

A 20-year investment growth story While ongoing geopolitical tensions and economic fears, overshadowed by the US-China trade war, have continued to rattle global financial markets through 2019, it's been a relatively solid investment year.     Read more

Saving for education Education is the gift that parents can give their children that keeps on giving. But if you are considering private schools it is a gift that comes with a significant - and usually rising - bill attached.     Read more

Vanguard in the news Investing basics: how to find the best ETFs Morningstar | Emma Rapaport | 29 November Exchange-traded funds are a low-cost way to invest. They provide easy access to a variety of asset classes, and unlike traditional funds, trade just like a stock on the exchange so you can purchase one with an online broker. To read more, please visit the Morningstar 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 INFORMATION FROM SITES OR APPS THAT USE OUR SERVICES," located at https://policies.google.com/technologies/partner-sites. 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. © 2019 Vanguard Investments Australia Ltd. All rights reserved. Terms and conditions of use  |  Disclaimers  |  Privacy policy

[Smart Investing] Chasing alpha

Investment and personal finance insights from Vanguard Australia

04 December 2019

Chasing alpha It certainly is possible to 'beat the market' - but, luck aside, it involves considerable skill and often taking on a higher level of risk.     Read more

Beware of ASX zombies It almost goes without saying that investors always need to undertake good research before making any investment, especially when investing into single companies over managed funds or ETFs that cover a whole market index such as the S&P/ASX 300.     Read more

Nearing retirement? 7 steps to take before you leave work Before you bid farewell to work, there are a few important steps to complete. Our pre-retirement checklist can guide you through this process.     Read more

Vanguard in the news These 7 arguments against index investing aren't compelling Morningstar | Alex Bryan | 27 November 2019 There's a lot to like about index investing. Market-cap-weighted index funds harness the market's collective wisdom, they tend to enjoy a sizable cost advantage over their active counterparts, and they avoid key-person risk. In a recent study, Vanguard estimated that stock index funds account for less than 5 per cent of trading volume on U.S. exchanges. To read more, please visit the Morningstar 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 INFORMATION FROM SITES OR APPS THAT USE OUR SERVICES," located at https://policies.google.com/technologies/partner-sites. 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. © 2019 Vanguard Investments Australia Ltd. All rights reserved. Terms and conditions of use  |  Disclaimers  |  Privacy policy

[Smart Investing] Global investing

Investment and personal finance insights from Vanguard Australia

27 November 2019

Global investing It's understandable that we prefer investing at home but this preference often comes at the cost of returns.     Read more

The economic and investment outlook for 2020 As we head towards 2020, expect a continuation, if not a deterioration, in the prevailing investment conditions as trade tensions and broader uncertainty erode economic growth and further destabilise markets.     Read more

Investment menus An investment menu, like a restaurant menu, shows all the options available to an investor from a provider. And like restaurant menus, sometimes there's too much choice and sometimes not enough.     Read more

Vanguard in the news Vanguard taps US exec to head retail super push Australian Financial Review | Aleks Vickovich| 18 November 2019 Vanguard Investments has announced it will recall Michael Lovett from the United States to lead the $8.3 trillion fund manager's foray into the Australian superannuation market. Vanguard has plans to launch a retail superannuation product, as first reported by The Australian Financial Review, in a move expected to provide a competitive challenge to industry super funds, trading and brokerage platforms and the self-managed superannuation sector. To read more, please visit the AFR 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 INFORMATION FROM SITES OR APPS THAT USE OUR SERVICES," located at https://policies.google.com/technologies/partner-sites. 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. © 2019 Vanguard Investments Australia Ltd. All rights reserved. Terms and conditions of use  |  Disclaimers  |  Privacy policy

[Smart Investing] Retirement planning in 15 minutes a day

Investment and personal finance insights from Vanguard Australia

20 November 2019

Retirement planning in 15 minutes a day Retirement planning doesn't have to be complicated or time-consuming. You can plan your retirement in roughly 15 minutes a day over five or six days.     Read more

The factors driving investors into bonds As investors, it's always interesting to pick out the high-level trends occurring in markets and investment management to see how they may apply to everyday investing.     Read more

Factor-based investing Antonio Picca, Head of Factor-Based Strategies at Vanguard, introduces the concept of factor investing and how Vanguard approaches factor investing     Watch video

Vanguard in the news Investing basics: what is an ETF? Morningstar | Emma Rapaport | 15 November 2019 Exchange-traded funds are a simple, low-cost way to invest. Instead of going all in on a single stock, ETFs let you buy a basket of stocks (or other assets) that track the performance of a market index. Let's look under the hood a popular ETF - Vanguard Australian Shares Index ETF (ASX: VAS) - to see this in action. To read more, please visit the Morningstar 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 INFORMATION FROM SITES OR APPS THAT USE OUR SERVICES," located at https://policies.google.com/technologies/partner-sites. 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. © 2019 Vanguard Investments Australia Ltd. All rights reserved. Terms and conditions of use  |  Disclaimers  |  Privacy policy