Understanding your super fees | Four steps to plan for a better retirement | Super, death, and avoiding taxes

Know your super fees. Four retirement steps. Super, death, and taxes.

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. Vanguard Super today announced it has lowered its yearly fees as part of our mission to help members achieve better retirement savings outcomes. Many Australians simply don't know what they are paying in super fees. Our lead article goes back to basics to explain the types of fees your super fund could be charging to manage your investments. Paying lower fees will ultimately add up to a higher super balance. Meanwhile, along with building up our retirement savings before we retire, it's also vital to have a good retirement plan. Our second article outlines four key steps to plan for a better retirement. Lastly, Vanguard's Senior Personal Finance Writer, Tony Kaye, says many Australians are dying with most of the wealth they had accumulated when they retired. This could have major tax consequences for their beneficiaries. LATEST INSIGHTS Understand what you are paying in superannuation fees Paying lower super fees will ultimately add up to a higher retirement balance. Read article Four steps to plan for a better retirement Here is a practical approach to creating a retirement plan to help enable financial peace of mind. Read article Super, death, and avoiding taxes Many Australians are dying with the majority of the wealth they had when they retired. Read article In case you missed it Building resilient portfolios through diversification Vanguard's President and Chief Investment Officer, Greg Davis, examines the role that that asset classes play in a portfolio in today’s market environment. Read article An investment bet that is hard to forget Why billionaire active investor Warren Buffett is also an avid supporter of index funds. Read article The compounding benefits from reinvesting dividends Using income distributions to purchase additional ETF units can significantly compound capital growth and income returns over time. Read article Connect with Us Unsubscribe. When you unsubscribe via the link, you will be unsubscribing to all Vanguard Australia marketing emails. 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) (VIA) is the product issuer and operator of Vanguard Personal Investor. Vanguard Super Pty Ltd (ABN 73 643 614 386 / AFS Licence 526270) (the Trustee) is the trustee and product issuer of Vanguard Super (ABN 27 923 449 966). The Trustee has contracted with VIA to provide some services for Vanguard Super. Any general advice is provided by VIA. The Trustee and VIA are both wholly owned subsidiaries of The Vanguard Group, Inc (collectively, "Vanguard"). 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. © 2024 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

How to build a resilient portfolio | Warren Buffett's brilliant bet | Our latest investment and economic outlook

Building a resilient portfolio | Warren Buffett's bet | Our latest outlook

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. Recent market dynamics have called traditional asset allocation models, as well as the roles of asset classes, into question. In our lead article, Vanguard's President and Chief Investment Officer, Greg Davis, says that investors need to resist the temptation to chase performance and explains why diversification remains so important. Meanwhile, Vanguard's Senior Personal Finance Writer, Tony Kaye, recalls a US$1 million bet made by Warren Buffett, one of the world's most successful stock investors, against a U.S. hedge fund. Instead of investing in individual stocks, Buffett famously won the bet by investing in a Vanguard index fund. Read our second article to find out more.   Lastly, our global economics team provides its latest forecasts for interest rates, inflation, employment and financial markets in Australia, the United States, China, the Euro area, the United Kingdom, emerging markets, and Canada.   LATEST INSIGHTS Building resilient portfolios through diversification Vanguard's President and Chief Investment Officer, Greg Davis, examines the role that asset classes play in a portfolio in today’s market environment. Read article An investment bet that is hard to forget Why billionaire active investor Warren Buffett is also an avid supporter of index funds. Read article Our investment and economic outlook, April 2024 Read our region-by-region economic outlook and latest forecasts for investment returns. Read article In case you missed it The Magnificent 7: A cautionary investment tale As a group, these companies have been riding high. But looks can be deceptive. Read article Investors flock to international ETFs in Q1 2024 Australian investors have been lifting their exposure to international equity ETFs. Read article Three things to consider when switching your super Understanding how your super works and ensuring you get the most from your fund are essential to achieve the retirement lifestyle you envision. Read article Connect with Us Unsubscribe. When you unsubscribe via the link, you will be unsubscribing to all Vanguard Australia marketing emails. 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) (VIA) is the product issuer and operator of Vanguard Personal Investor. Vanguard Super Pty Ltd (ABN 73 643 614 386 / AFS Licence 526270) (the Trustee) is the trustee and product issuer of Vanguard Super (ABN 27 923 449 966). The Trustee has contracted with VIA to provide some services for Vanguard Super. Any general advice is provided by VIA. The Trustee and VIA are both wholly owned subsidiaries of The Vanguard Group, Inc (collectively, "Vanguard"). 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. © 2024 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

ETF investors head offshore | Lessons from the Magnificent 7 | How to choose ETFs

The U.S. lures Australian ETF investors. Inside the Magnificent 7. Choosing ETFs.

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. Australia's exchange traded fund (ETF) industry now has almost $200 billion of assets under management, and an increasing number of investors are using ETF products to invest on overseas markets. Our lead article provides a detailed breakdown of where ETF investors directed their capital over the March quarter. Data compiled by Vanguard and the ASX shows that more money was invested into international ETFs over the first three months of 2024 than over the whole of 2023. Meanwhile, Vanguard's Senior Personal Finance Writer, Tony Kaye, looks at the rise of the so-called "Magnificent 7" stocks, an eclectic group of technology companies collectively worth more than $20 trillion. As a group they have delivered huge returns over the last year, but looks can be deceiving. Lastly, for investors who want to learn more about what to look out for when choosing ETF products, we explain the importance of asset allocation, finding the right provider, costs, and longevity.   LATEST INSIGHTS Investors flock to international ETFs in Q1 2024 Australian investors have been lifting their exposure to international equity ETFs. Read article The Magnificent 7: A cautionary investment tale As a group, these companies have been riding high. But looks can be deceptive. Read article How to choose an ETF Navigating through the growing ETFs maze. Read article In case you missed it Getting to a higher level of financial literacy in Australia The practical benefits of improving financial literacy. Read article Life in retirement keeps getting more expensive The latest rise in the Age Pension rate still falls short of what many people may need to have a modest lifestyle in retirement. Read article Three things to consider when switching your super Understanding how your super works and ensuring you get the most from your fund are essential to achieve the retirement lifestyle you envision. Read article Connect with Us Unsubscribe. When you unsubscribe via the link, you will be unsubscribing to all Vanguard Australia marketing emails. 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) (VIA) is the product issuer and operator of Vanguard Personal Investor. Vanguard Super Pty Ltd (ABN 73 643 614 386 / AFS Licence 526270) (the Trustee) is the trustee and product issuer of Vanguard Super (ABN 27 923 449 966). The Trustee has contracted with VIA to provide some services for Vanguard Super. Any general advice is provided by VIA. The Trustee and VIA are both wholly owned subsidiaries of The Vanguard Group, Inc (collectively, "Vanguard"). 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. © 2024 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