[Smart Investing] A beginner's investment guide to long-term wealth

Investments and personal finance insights from Vanguard Australia

12 August 2020 Hi everyone,  Every year Vanguard publishes an index chart report analysing how different asset classes have performed since July 1990 to provide valuable insights to all investors. To accompany this report, in this week's Smart Investing we present the first instalment in Vanguard's index chart series: A beginner’s investment guide to long-term wealth. Vanguard Senior Financial Writer Tony Kaye also takes a look at the latest changes to the assets test limit and how they might assist some people to capture higher fortnightly Age Pension payments. Lastly, we have included an article on retirement planning which we hope you will find useful, as in the current economic climate, many of us are heading into retirement with less than we expected. As always, feel free to email us with your questions or feedback.  Regards, Robin Bowerman Head of Corporate Affairs Vanguard Australia

A beginner's investment guide to long-term wealth   By: Tony Kaye It's often said that starting out early on one’s investing journey will deliver good long-term results. But in light of recent volatility on investment markets, you may be thinking, is this the right time to start off? Read more

Navigating the new assets test limit By: Tony Kaye The assets test is a key part of the assessment process used by the Department of Human Services to determine who is eligible to receive government pension payments and how much is paid to singles and couples Read more

Planning for retirement  By: Robin Bowerman If you find yourself heading into retirement with a little less on the books than you would have liked, there are some steps you can take to ensure your retirement is everything you wanted. Read more

VANGUARD IN THE NEWS What 30 years in global markets teaches us about COVID-19 fears Duncan Hughes | AFR | 8 August 2020 Diversification and regular investing are the compelling lessons from the past 30 years for savers seeking out performance, despite regular market upheavals and setbacks, such as COVID-19. "Trying to pick winning stocks is like finding a needle in a haystack," says Robin Bowerman, head of market strategy at Vanguard Australia, a division of the global investment company with nearly $9 trillion under management. "You should buy the haystack," Bowerman says 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.

IN CASE YOU MISSED IT

Year of the bond market By: Geoff Parrish Bonds are a diversifier in an investor's portfolio, serving as a ballast to equities in a market downturn. Read more

Behind the surge in ETF inflows By: Tony Kaye The growing take-up of exchange traded funds by retail investors was on show once again in June. Read More

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