What's the buzz around meme stocks?

View this email online 1 December 2021 Hi everyone, In this week's Smart Investing, we take a look at meme stocks and how they differ from traditional stocks in the way they perform and why. Senior Personal Finance Writer, Tony Kaye, also discusses a few ways to save for children's education and why having a plan is essential. Lastly, we have included a piece by our Global Chief Economist, Joseph Davis, on why we're unlikely to enter a period of stagflation. Regards, Robin Bowerman Head of Corporate Affairs Vanguard Australia Latest insights What's the buzz around meme stocks? Baking sourdough bread, TikTok dance challenges, celebrity-hosted podcasts. Thanks to social media, a lot of new trends have gained popularity during the pandemic. But perhaps the most baffling trend of all has been the rise of meme stocks. Read article A savings strategy for children's education Having a strategy in place to pay for your children's school education is essential. Here are a few ways you can approach paying for tuition that will help you stay ahead of the school fees curve. Read article High inflation, but not stagnation Comparing today's environment with that of the 1970s overlooks a key difference: today's strong demand for labor. Read article Vanguard in the news Five ETF Investment Themes To Diversify Your Portfolio Elizabeth Moran | Fixed Income News Australia | 30 Nov 2021 One of the key reasons investors chose to invest in the fixed income asset class is for diversification, they are seeking investments that are not aligned to existing investments such as shares or property. To read more, please click here. In case you missed it The real impact of investment choices Alongside uncontrollable factors like market returns, the cumulative impact of all the investment choices you make along the way is what ultimately determines your investment outcome. That’s why making good decisions about investment contributions and fees is of the utmost importance. Read article A better way to time the markets There’s another form of investment timing that has nothing to do with trying to time market movements. On the contrary, it’s all to do with choosing your own timing to make regular investments. Read article Connect with Us 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 yours or your clients‘ circumstances into account when preparing this email so it may not be applicable to the particular situation you are considering. You should consider yours and your clients‘ circumstances, and our Product Disclosure Statement (PDS) before making any investment decision or recommendation. Distributors of our products must consider our Target Market Determinations ("TMDs") which describe the investors for whom the product would likely be appropriate and consistent with their objectives, financial situation and needs. You can access our PDSs and TMDs at www.vanguard.com.au 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. © 2021 Vanguard Investments Australia Ltd. All rights reserved. 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

The real impact of investment choices

View this email online 24 November 2021 Hi everyone, In this week’s Smart Investing, we discuss the importance of investment choices and how increasing contributions and staying invested for the long term can significantly boost investment returns. Senior Personal Finance Writer, Tony Kaye, also explains why timing your regular investments is a more powerful investment strategy than timing the markets. Lastly, we have included a piece on why rising rates is not all doom and gloom for bond investors if their investment horizon is longer than their bond portfolio duration. Regards, Robin Bowerman Head of Corporate Affairs Vanguard Australia Latest insights The real impact of investment choices Alongside uncontrollable factors like market returns, the cumulative impact of all the investment choices you make along the way is what ultimately determines your investment outcome. That's why making good decisions about investment contributions and fees is of the utmost importance. Read article A better way to time the markets There's another form of investment timing that has nothing to do with trying to time market movements. On the contrary, it's all to do with choosing your own timing to make regular investments. Read article The dynamics of bond duration and rising rates Rising rates can lead to higher total returns from bonds if your investment horizon is longer than your bond portfolio duration. Read article Vanguard in the news Vanguard 'confident' its super fund will be a winner Michael Read | Australian Financial Review | 22 Nov 2021 Financial services juggernaut Vanguard concedes it will be difficult to crack the $3.3 trillion superannuation market in Australia but says now is the right time to swoop. "It's going to be hard," Vanguard Australia's head of superannuation, Michael Lovett, said. "We know we're up against some really strong competitors. But we're confident that in our history, when Vanguard puts its mind to something we can be competitive." To read more, please click here. In case you missed it The importance of maximising contributions and minimising costs Modelling recently commissioned by Vanguard on the impact of investment decisions highlighted why investing regularly and managing costs are proven investment strategies to grow long -term wealth. Read article Rising life expectancies and retirement Average life expectancies in Australia are now at a record high, and while that’s a positive, longevity can also come with potential financial risks such as outliving your retirement savings. So what can you do to ensure you have the best chance of experiencing a financially secure retirement? 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. Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer. We have not taken yours or your clients‘ circumstances into account when preparing this email so it may not be applicable to the particular situation you are considering. You should consider yours and your clients‘ circumstances, and our Product Disclosure Statement (PDS) before making any investment decision or recommendation. Distributors of our products must consider our Target Market Determinations ("TMDs") which describe the investors for whom the product would likely be appropriate and consistent with their objectives, financial situation and needs. You can access our PDSs and TMDs at www.vanguard.com.au 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

The importance of maximising contributions and minimising costs

View this email online 17 November 2021 Hi everyone, In this week’s Smart Investing, we discuss the positive impact that regular investing and cost minimisation has on long-term wealth as we launch a new automated investment feature for managed funds on our Personal Investor platform. Senior Personal Finance Writer, Tony Kaye, also analyses the rise in average life expectancies in Australia and how this increase in longevity may affect retirement savings. Lastly, we take a look at the FIRE movement and explain the different approaches investors take to achieve early retirement. Regards, Robin Bowerman Head of Corporate Affairs Vanguard Australia Latest insights The importance of maximising contributions and minimising costs Modelling recently commissioned by Vanguard on the impact of investment decisions highlighted why investing regularly and managing costs are proven investment strategies to grow long -term wealth. Read article Rising life expectancies and retirement Average life expectancies in Australia are now at a record high, and while that’s a positive, longevity can also come with potential financial risks such as outliving your retirement savings. So what can you do to ensure you have the best chance of experiencing a financially secure retirement? Read article What exactly is the FIRE movement? In the investment world, FIRE stands for "financial independence retire early". Read on to learn more about the FIRE approach and how you can tailor your saving and spending behaviours to align with your investment goals. Read article Vanguard in the news Vanguard launches automated investing solution Karren Vergara | Financial Standard | 15 Nov 2021 Vanguard’s Personal Investor platform has launched a feature that automatically invests clients' money into managed funds. Auto Invest regularly debits accounts starting from $200 either fortnightly, monthly, or quarterly, and invests the funds into one or more of Vanguard's unlisted managed funds. To read more, please click here. In case you missed it Advisers: the original ETF finfluencers Before ETFs became a trending topic on social media and before the rise of the "finfluencer", financial advisers were amongst the first to appreciate the many benefits of ETFs and how they could be incorporated into an investment portfolio. Read article Planning your financial legacy Beyond accumulating wealth over time, planning your financial legacy is one of the most important aspects of estate planning. With the greatest family wealth transfer set to occur in the next 20 to 30 years, here are a few things investors should consider when planning. 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. Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer. We have not taken yours or your clients‘ circumstances into account when preparing this email so it may not be applicable to the particular situation you are considering. You should consider yours and your clients‘ circumstances, and our Product Disclosure Statement (PDS) before making any investment decision or recommendation. Distributors of our products must consider our Target Market Determinations ("TMDs") which describe the investors for whom the product would likely be appropriate and consistent with their objectives, financial situation and needs. You can access our PDSs and TMDs at www.vanguard.com.au 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