Why young investors are risk averse | Upsizing retirement by downsizing | Overcoming spending fears

What the ASX says about young investors. Home downsizing gains. Retirement spending fears. View this email online Welcome to this week's edition of Smart Investing. The just-released ASX Australian Investor Study 2023 shows young investors aged 18 to 24 now make up almost 10% of Australia's total pool of investors. They're a different breed to older investors. Rather than mainly being focused on returns, their biggest goal is to build sustainable income. Our lead article profiles the next generation of investors, including where and how they're typically investing, their primary areas of focus, their level of diversification, and how they're being informed. This week we also look at home downsizing in Australia for the purpose of getting more money into superannuation. The Australian Tax Office has kindly provided us with its latest data on the use of the home downsizer measure, which is now open to eligible Australians aged 55 and over. Plus we include some interesting data on home downsizing trends in the United States based on new Vanguard research. Of course, unlocking home equity to boost one's super balance is one thing. Spending it in retirement is another. Many Australian retirees are fearful of spending too much. We explore three behavioural factors that can affect retirement spending and some strategies to help overcome spending stress. LATEST INSIGHTS Why young investors are more risk averse The ranks of young Australian investors have swelled over the last two years. And many have very different investment objectives and strategies to older investors. Read article More Australians are unlocking home equity to fund retirement A growing number of Australians are downsizing their home to fund their retirement. Here's the latest data from the ATO on use of the downsizer measure. Read article Three behavioural factors that can affect retirement spending Most Australian work hard to build up their nest egg but many are hesitant to spend it when they retire. Read article In case you missed it More than 1.5 million Australians investing in ETFs The ASX Australian Investor Study 2023 has highlighted the growing popularity of ETFs among Australian investors and explains the key reasons why more investors are adding them to their portfolios. Read article Australians need a retirement confidence boost Giving Australians better access to high-quality and more affordable financial advice is imperative. 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. © 2023 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

More than 1.5m Australians using ETFs | Filling the financial advice gap | Handling HECS debts

Behind the ETFs investment surge. Why access to advice matters. The HECS-HELP hike. View this email online Welcome to this week's edition of Smart Investing. The just-released ASX Australian Investor Study 2023 shows the number of Australians using exchange traded funds (ETFs) has surged over the last three years. In fact, one-in-five investors on the ASX (more than 1.5 million) now have at least one ETF in their portfolio. Since the end of 2020 the total amount of money invested into Australian-listed ETFs has risen by over $49 billion to more than $143 billion. Our lead article this week covers the ASX's key findings around the growing popularity of ETFs and also includes the latest monthly ASX data on ETF investment inflows for May. Investors added a further $1 billion into Australian ETF products over the month. Meanwhile, following the recent release of Vanguard's How Australia Retires study, we look further into the important role of financial advice and some of the gaps the financial industry can fill to help more Australians improve their overall retirement confidence. Our third article explores this month's 7.1% rise in the measure applied to outstanding tertiary student loans, which is indexed to inflation. Students with education debts have received a crash course on the economics of indexation and inflation and many may need to review their HECS-HELP debt repayments strategy. LATEST INSIGHTS More than 1.5 million Australians investing in ETFs The ASX Australian Investor Study 2023 has highlighted the growing popularity of ETFs among Australian investors and explains the key reasons why more investors are adding them to their portfolios. Read article Australians need a retirement confidence boost Giving Australians better access to high-quality and more affordable financial advice is imperative. Read article The HECS-HELP crash course on inflation Students have just received a hard lesson in macroeconomics. Now many face a test in debt management. Read article In case you missed it Why more super funds are using managed funds and ETFs SMSFs are stepping up their use of managed funds and ETFs. Increased diversification, saving time, and risk management are among the key reasons. Read article How to future proof your equities portfolio Today's hottest companies may go off the boil down the track. It's one of the reasons why index funds are continuing to attract investors around the world. 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. © 2023 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. 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Why more SMSFs are using managed funds and ETFs | Future proof your portfolio | Adding bonds to your mix

Why more SMSFs are using managed funds and ETFs. The benefits of index funds. The role of bonds. View this email online Welcome to this week's edition of Smart Investing. The 2023 Vanguard/Investment Trends SMSF Investor Report, released last week, has found self-managed super funds are increasing their use of managed funds and ETFs. Our lead article looks into the main reasons more SMSF trustees are choosing to add funds into their investment portfolio as well as the asset classes that are of most interest. We also have an article that explains how using index funds can future proof your equities portfolio. The explanation is fairly simple too. While companies can change over time, the fundamentals of index fund investing remain the same. In our third article we discuss all things bonds. What are they, what are their benefits, and how do you invest in them? Watch the embedded video with Jean Bauler, Vanguard's Head of Asia-Pacific Bond Indexing, to learn more about investing in bonds. LATEST INSIGHTS Why more super funds are using managed funds and ETFs SMSFs are stepping up their use of managed funds and ETFs. Increased diversification, saving time, and risk management are among the key reasons. Read article How to future proof your equities portfolio Today's hottest companies may go off the boil down the track. It's one of the reasons why index funds are continuing to attract investors around the world. Read article Adding bonds to your investment mix Bonds can play an important role in investment portfolios, but what exactly are they, what are their benefits, and how do you invest in them? Read article In case you missed it Self-managed super fund numbers continue to rise The key findings from the 2023 Vanguard/Investment Trends SMSF Investor Report. Read article Five ways to top up your super before 30 June With only a few weeks left in this financial year, time is running out to maximise your super options. 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. © 2023 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