Investing Money: April 2020

Tuesday, April 28, 2020

[Smart Investing] Superannuation for younger investors

Investments and personal finance insights from Vanguard Australia

29 April 2020

Hi everyone,

In this week's Smart Investing, we provide an introduction to superannuation for younger investors who may now be wondering about their own situation in light of the government's early access to superannuation scheme.

Vanguard Senior Financial Writer Tony Kaye also takes a look at the credit quality of different types of bonds and why fixed interest investors should have an understanding of credit ratings scales.

Lastly, our Senior Investment Strategist Aidan Geysen has written a piece on the merits of adopting a total-returns strategy in the midst of the COVID-19 pandemic.

As always, feel free to email us with your questions or feedback.

Regards,

Robin Bowerman
Head of Corporate Affairs
Vanguard Australia

Superannuation for younger investors

By Robin Bowerman

Seeing superannuation mentioned so much in the news may have sparked the interest of younger investors who haven't always paid the closest attention to their own situation.

Know your bonds, they're not all the same

By Tony Kaye

In the midst of the COVID-19 pandemic, the agencies that rate the bond issues of countries, government agencies and companies around the world have been working overtime.

Taking a total return approach in the time of COVID-19

Aidan Geysen

Unlike an income-oriented strategy which generally utilises returns as income and preserves capital, the total-return approach encourages the use of capital returns when necessary.

Vanguard in the news

The next big short

Ally Selby | Financial Standard | 23 April 2020

Vanguard Investment Management Group Asia Pacific head of investments, Dan Reyes, told Financial Standard it's passive strategies' lower price points that has seen their popularity soar. "Investors are waking up to the notion that costs really matter," he said. "And the costs for investing, unlike most things that people buy, are the one part of life where you get what you don't pay for.

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

Ride the market to recovery

By Robin Bowerman

In many ways the biggest risk facing investors now is the impulse to make hasty, short-term decisions based on emotional factors rather than accepting where we are today and riding things out.

A different form of distancing

By Tony Kaye

Perhaps that is another form of social distancing we can practice – keep a healthy distance from that account balance until markets have returned to something resembling normal service.

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
Monday to Friday, 8:00am to 6:00pm AEST

Vanguard ETF Trading & Support Team: 1300 655 888
Monday to Friday, 9:00am to 5:00pm AEST

Unsubscribe:
To unsubscribe from Smart Investing, please click here or contact us on 1300 655 101.

Quick links

	Exchange Traded Funds

	Retail managed funds

Connect with us

	Vanguard's LinkedIn page

	Vanguard's Twitter page

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 a 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.

Terms and conditions of use | Disclaimers | Privacy policy | Cookie policy

Tuesday, April 21, 2020

[Smart Investing] Risk and rebalance

Investments and personal finance insights from Vanguard Australia

22 April 2020

Hi everyone,

In this week's Smart Investing, we discuss the important difference between a risk averse and loss averse investor, and why it is always important to stay calm in times of uncertainty and reassess your portfolio allocation in line with your long term goals.

Vanguard Senior Financial Writer Tony Kaye also discusses the concept of shadow banks and the risks associated with committing capital to private property projects that are financed by these non-bank financial intermediaries (NBFIs).

Lastly, we have included a message from our global CEO Tim Buckley to reassure all Vanguard investors that we are here to help you through these uncertain times.

As always, feel free to email us with your questions or feedback.

Regards,

Robin Bowerman
Head of Corporate Affairs
Vanguard Australia

Risk and rebalance

By Robin Bowerman

Disregarding your long-term investment plan and letting only emotions dictate whether you should cash out or accumulate more during such volatile terms can be costly.

COVID-19 casts a shadow over non-bank investors

By Tony Kaye

Lured by high income returns, many Australian investors have committed capital to fund private commercial and residential property projects financed by so-called "shadow banks".

A message from our CEO

Vanguard Chief Executive Officer Tim Buckley offers support to investors during unprecedented times.

Watch video

Vanguard in the news

Investment uptick in Aussie equities despite COVID-19

SMSF Adviser | Aidan Curtis | 15 April 2020

Investors have continued to put their money into Australian equities despite market volatility over the past month as a result of the COVID-19 pandemic, new research has found. Rainmaker Information said the product with the highest net inflows was Vanguard Australian Shares Index ETF, with net flows of $538 million.

To read more, please visit the SMSF Adviser 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.