Borrowers do their homework on cost control

View this email online 29 September 2021 Hi everyone, In this week’s Smart Investing, Senior Personal Finance Writer Tony Kaye takes a look at how home borrowers are taking advantage of ultra-low interest rates and cutting their loan repayment costs in record numbers. We also discuss three ways to keep market uncertainty in perspective and why investors fare best when they focus on the investment factors they can control. Lastly, we revisit a piece on charitable giving and why, just as in investing, having a plan is paramount. Regards, Robin Bowerman Head of Corporate Affairs Vanguard Australia Latest insights Borrowers do their homework on cost control Saving on home loan interest costs is one of the quickest ways to increase your ongoing disposable income, and it’s clear more and more Australians with home mortgages are thinking that way. Read article Three ways to keep market uncertainty in perspective No one can say for certain what the markets will do. What we do know however is that investors fare best when they focus on the factors they can control. Read article An intro into charitable giving In the midst of a global pandemic, charities of all types are seeing high demand for help. In giving, just as in investing, having a plan is paramount. Read article Vanguard in the news Under the hood of Australia’s most popular ’all-in-one’ ETF: VDHG Lewis Jackson | Morningstar | 22 Sep 2021 Today we’re looking at Australia’s most popular multi-asset ETF, VDHG: what it owns, how it’s constructed and how sustainable it is. The punchline? Morningstar fund analysts like VDHG. Manager research analyst Chris Tate calls it “one of the best options in the multi-asset space.” To read more, please visit the Morningstar website. In case you missed it Should I invest in a managed fund or ETF? What’s the difference between managed funds and ETFs? And which product type is right for you? Read more to learn the key features of both investment products and how you can start investing. Read article Four important steps toward a healthier financial life If your financial life could use a little extra care and attention, these tips can help you decide where and how to begin. Read article Connect with us Vanguard on LinkedIn Vanguard on Twitter Vanguard on Facebook Manage preferences or unsubscribe Vanguard and its employees wish to acknowledge the Traditional Custodians of Country throughout Australia where we operate our business. We recognise their connection to the land, water and culture and wish to pay our respects to their Elders past, present and emerging. 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 655 205. 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

Should I invest in a managed fund or ETF?

View this email online 22 September 2021 Hi everyone, In this week’s Smart Investing, Senior Personal Finance Writer Tony Kaye discusses the similarities and differences between ETFs and managed funds, and how to decide which investment product is right for you. We also look at four ways to improve your financial health, and why investing is more like a marathon than a sprint. Lastly, we revisit a piece on factor-based funds and how different factor strategies can help investors achieve specific investment goals. Regards, Robin Bowerman Head of Corporate Affairs Vanguard Australia Latest insights Should I invest in a managed fund or ETF? What’s the difference between managed funds and ETFs? And which product type is right for you? Read more to learn the key features of both investment products and how you can start investing. Read article Four important steps toward a healthier financial life If your financial life could use a little extra care and attention, these tips can help you decide where and how to begin. Read article The investment portfolio X factor Factor-based investing represents a dynamic tool designed to help investors achieve specific investment goals. Learn more about it in this article. Read article Vanguard in the news Best global equity ETFs for Australian investors Emma Rapaport | Morningstar | 16 Sep 2021 For broad global exposure, Morningstar analysts have a preference for gold-rated Vanguard MSCI Intl ETF (VGS). The strategy covers large- and mid-cap stocks from 22 developed markets. It sorts stocks by their market cap and targets those that rank in the top 85% by market cap. To read more, please visit the Morningstar website. In case you missed it Low interest rates require a strategic rethink In an era of lower-for-longer interest rates and investment returns, retirees in particular should be thinking beyond just income generation to fund their lifestyle spending. Read article The right way to rebalance your investment portfolio Vanguard research has found that for portfolios supporting long term goals, the exact time and threshold limits you decide upon are less important than the discipline of adhering to a consistent approach. Read article Connect with us Vanguard on LinkedIn Vanguard on Twitter Vanguard on Facebook Unsubscribe Vanguard and its employees wish to acknowledge the Traditional Custodians of Country throughout Australia where we operate our business. We recognise their connection to the land, water and culture and wish to pay our respects to their Elders past, present and emerging. General advice warning 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

Low interest rates require a strategic rethink

View this email online 15 September 2021 Hi everyone, In this week’s Smart Investing, Senior Personal Finance Writer Tony Kaye discusses the effects low interest rates have on retirement income and why retirees should consider the total-returns approach to fund their lifestyle spending. In the last of our rebalancing series, Senior Investment Strategist Aidan Geysen takes a look at the importance of holding a well-diversified, regularly rebalanced portfolio, and why investors who did so fared better in the COVID-19 sell-off last year. Lastly, we have included our August economic and market update, a forward looking report by our economists that details our global growth forecasts and asset class return projections. Regards, Robin Bowerman Head of Corporate Affairs Vanguard Australia Latest insights Low interest rates require a strategic rethink In an era of lower-for-longer interest rates and investment returns, retirees in particular should be thinking beyond just income generation to fund their lifestyle spending. Read article The right way to rebalance your investment portfolio Vanguard research has found that for portfolios supporting long term goals, the exact time and threshold limits you decide upon are less important than the discipline of adhering to a consistent approach. Read article Vanguard economic and market update - August 2021 The Delta variant continues to spread, prompting a downgrade in our growth outlooks for Australia and China, where further lockdowns have been implemented. Read article Vanguard in the news Vanguard Australia appoints MD Chris Dastoor | Money Management | 10 Sep 2021 Vanguard Australia appointed Daniel Shrimski as managing director, as Frank Kolimago will become global head of talent management for Vanguard Group in Philadelphia, US. To read more, please visit the Money Management website. In case you missed it Why more investors are choosing diversified funds A growing number of Australian investors, either directly or through a financial adviser, are choosing diversified ETFs and managed funds as a way of offsetting ongoing market volatility over the longer term. Read article How to rebalance your investment portfolio How can investors rebalance their portfolio and how often should they do it? Read more to find out. Read article Connect with us Vanguard on LinkedIn Vanguard on Twitter Vanguard on Facebook Unsubscribe Vanguard and its employees wish to acknowledge the Traditional Custodians of Country throughout Australia where we operate our business. We recognise their connection to the land, water and culture and wish to pay our respects to their Elders past, present and emerging. General advice warning 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