| Welcome to our last edition of Smart Investing for 2023.
This year has certainly lived up to expectations in terms of heightened market volatility. But how have investors who have stayed the course throughout the market's ups and down fared?
Our lead article looks at how share markets and bond markets have performed this year, the main drivers behind investment returns, and why being diversified across asset classes remain key.
In our second article, Vanguard's Senior Personal Finance Writer, Tony Kaye shares 12 financial tips for Christmas, the new year and beyond.
Lastly, in our third article, Vanguard's Chief Investment Officer Asia Pacific, Duncan Burns explains why most investors who pick individual stocks will underperform the broader share market, and a simple solution to get around it.
You'll receive our next Smart Investing edition on 24 January 2024. In the meantime, we wish you a very happy holiday season and new year.
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 | An investment year of ups and downs How and why investment markets have performed the way they have this year. Read article | |
 | 12 financial tips for Christmas and beyond Some investing steps to get you through the holiday season, the new year, and for the future. Read article | |
 | How to tame the market's skewness Outperforming the market is hard without a crystal ball. Here's how to tilt the odds in your favour. Read article | |
 | Picking your retirement point Moving into pension mode is a big decision. Here’s some options and considerations. Read article | |
 | A simple way to retire earlier Using a fundamental investing principle could help many Australians bring their retirement forward. Read article
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