[Smart Investing] How to stay the course in retirement

Investments and personal finance insights from Vanguard Australia

15 April 2020 Hi everyone, I hope you all had a restful long weekend. In this week's Smart Investing, we discuss how for those already in retirement, advice to stay the course, while important, can feel a little off base when your super fund's portfolio has dropped sharply and you are starting to feel a bit helpless. As such, we have included three options that might help you weather this storm. Vanguard's Senior Financial Writer Tony Kaye also reiterates the importance of having a well-diversified asset allocation strategy, especially in the current investment environment where certain sectors and companies have experienced much more substantial falls than the broader market. Lastly, our Investment Strategy Group has contributed an article further analysing the potential impacts of early super withdrawal. For many doing it tough, early access to super is necessary. For those who have a choice, considering other options and taking a long term perspective may prove to be more beneficial. As always, feel free to email us with your questions or feedback. Regards, Robin Bowerman Head of Corporate Affairs Vanguard Australia

How to stay the course in retirement By Robin Bowerman Although it might feel like things are calming down a little as markets begin to seesaw with less extremity, there is still uncertainty ahead. Read more

Over-concentration risk comes to the fore By Tony Kaye Minimising concentration risk through a well-planned, well-diversified asset allocation strategy is one of the core principles of investing. Read more

How early super withdrawals add up By Investment Strategy Group While some people will use all of the support available to make the ends meet, others may have a choice. Should they or should they not access their super early? Read more

Vanguard in the news Vanguard Australia launches investor centre, with zero ETF brokerage ETF Stream | David Tuckwell | 6 April 2020 Vanguard has launched an investor website that gives Australians a way to buy its ETFs free of any brokerage fees. The new site, called the Vanguard Personal Investor, allows investors to buy ETFs, Vanguard's wholesale funds and ASX-listed shares. Buying ETFs issued by other companies will cost 0.15% brokerage. To read more, please visit the ETF Stream 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 The cost of early super access By Tony Kaye High among the range of assistance programs announced by the Federal Government in recent weeks was a measure enabling eligible individuals to have early access to their superannuation. Read more Rebalance your portfolio, rebalance your emotions By Robin Bowerman Is your portfolio suffering from what is sometimes called portfolio drift? Read more

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