[Smart Investing] Advice for my twenty-something self

Investments and personal finance insights from Vanguard Australia

29 January 2020 Hi everyone, I hope you most of you liked the new look of Vanguard's Smart Investing newsletter. The changes that we have made for 2020 are based on your survey responses - we have created a mobile-friendly version of the newsletter which should be easier to read on your devices. Starting this week, we will be introducing a "readers question" segment where we respond to your questions on a regular basis. Feel free to send us questions (obviously with the caveat that our advice is general in nature and that you should seek your own professional advice before making any decisions) and we will answer them. The first of our three articles in this week's edition of Smart Investing is a response to a reader asking what financial advice I would give to my 20-year-old self. The second article looks at trends in the global ETF market over the last quarter of 2019 and the third article focuses on whether the much talked about safe withdrawal rate of 4 percent in today's low interest rates world is still safe. I hope you enjoy the articles. Feel free to email us with your feedback on Smart Investing, it would be great to hear your thoughts on the changes we've made. Until next week. Robin Bowerman Head of Corporate Affairs Vanguard Australia

Advice for my twenty-something self By Robin Bowerman Our twenties are usually a period of substantial growth and for better or for worse, a time when we come face-to-face with new financial responsibilities. Here is some general financial advice I'd give to my twenty-something self. Read more

ETFs surge continues a strategic shift for investors By Tony Kaye It was an enormous year for ETFs around the world, with an additional $835 billion of inflows taking the total value of assets under management in this diverse products segment to more than $9 trillion. In Australia, the growth numbers were no less impressive. Read more

The safe withdrawal rate By Robin Bowerman The safe withdrawal rate. It's an alluring concept created in the 90s. An amount you can spend each year and yet be sure you'll never run out of money in retirement. But does the 4 per cent rule still apply today? Read more

Vanguard in the news Investment Leadership Awards finalists revealed Financial Standard | Jamie Williamson | 22 Jan 2020 The shortlist for the Financial Standard Investment Leadership Awards 2020 has been unveiled, recognising outstanding investment talent across major asset classes. This year sees BlackRock Investment Management, Fidante Partners, Macquarie Investment Management, UBS Asset Management and Vanguard Investments vie for the title of Investment Manager of the Year. To read more, please visit the Financial Standard 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.

In case you missed it What's right for you - an ETF or a managed fund? By Robin Bowerman Once you have decided you are ready to invest and have settled on the right asset allocation to suit your objectives, your next question might be whether to invest in an exchange-traded fund (ETF) or an unlisted managed fund. Read more Asset allocation as you age Age is a pretty powerful filter for investment decision-making. Financial advisers sometimes say that if they had to build a financial plan based only on one piece of information that your age would be that critical data point. Read more

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