Investing basics for first timers

Investments and personal finance insights from Vanguard Australia

25 November 2020 Hi everyone, In this week's Smart Investing, we take a look at some investment basics for the graduating class of 2020 to keep in mind as they navigate their financial futures. Vanguard Senior Personal Finance Writer Tony Kaye also discusses how Australian households collectively have more than $1 trillion in cash despite record low interest rates, and potential income alternatives in the form of managed cash and bond funds. Lastly, we have included our Q3 2020 Active Fixed Income Perspectives report which presents our outlook on interest rates, inflation, credit markets and more. Regards, Robin Bowerman Head of Corporate Affairs Vanguard Australia

Investing basics for first timers By: Robin Bowerman The students of 2020 are graduating to the adult world in one of the most uncertain times in recent history amid recession, pandemic and global political tensions. In times like these, knowing the basics of how to get started down the road to prosperity is more important than ever. Read more

Low interest: Australia's $1 trillion cash pool By: Tony Kaye The Reserve Bank's decision this month to cut the official interest rate to a record low 0.1 per cent was another wake-up call for Australians heavily reliant on income from savings, especially many retirees. Read more

Active Fixed Income Perspectives - Q3 2020 Beyond the uncertainty surrounding the ongoing global Covid-19 pandemic, we see room for market volatility to increase heading into year-end. The US election, a stalled US fiscal relief package and complications around Brexit all have the potential to weigh on investor sentiment and move market prices. Read more

VANGUARD IN THE NEWS The future is now: The outlook for sustainable investment FS Sustainability | Nov 2020 2020 has been the year that sustainable investing not only came to the fore, but outperformed against traditional benchmarks. At an FS Sustainability roundtable, industry experts discussed how the sustainable finance industry will continue its momentum into 2021 and beyond, with particular reference to meeting the challenge of mitigating, managing and adapting to climate change. To read more, please visit the FS Sustainability 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

A tale of two sectors: ETFs vs LICs By: Tony Kaye What's occurring in the ETF sector continues to be quite different from the experience in another sector of the Australian market made up of listed investment companies (LICs). Read more

COVID and retirement By: Robin Bowerman People are still wrestling with the impact of the pandemic and its related market volatility on their savings and retirement plans. Read more

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