Your end of financial year investments tax guide | Our latest investment and economic update | ETFs: How to get started

Preparing for this tax time. Economic update. Get started with ETFs

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. With the end of the financial year fast approaching, now is a good time for investors to get their investment and tax affairs in order. In our lead article this week, Vanguard's Senior Personal Finance Writer, Tony Kaye, highlights what the Australian Tax Office is focusing on this year in terms of investments and income, and some important steps investors can take before 30 June. Our second article looks at our latest region-by-region economic outlook and forecasts for investment returns. Vanguard's global chief economist, Joe Davis, points to upcoming research, due to be released next month, that suggests artificial intelligence will power above-trend economic and financial growth into the future. Lastly, we look at the key benefits of exchange traded funds (ETFs) for younger investors and how they can start investing in these products on the Australian Securities Exchange.   LATEST INSIGHTS Your end of financial year investments tax guide What the ATO is focusing on, and how to prepare for tax time. Read article Our investment and economic outlook, May 2024 Our region-by-region economic outlook and latest forecasts for investment returns. Read article ETFs: How to get started The benefits of ETFs for younger investors. Find out why and how. Read article In case you missed it SMSF trustees have higher retirement confidence: Vanguard/Investment Trends SMSF members are less concerned than APRA fund members about outliving their savings. Read article SMSFs increasing their use of ETFs and managed funds Why a growing number of trustees are switching to ETFs and managed funds. Read article Deeming freeze a win for Age Pensioners Why the decision to keep deeming rates on hold may be a window for interest rates. 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

SMSF trustees more confident: Vanguard/Investment Trends Report | The growing switch to ETFs and managed funds | Deeming rates freeze a win for Age Pensioners

Inside the 2024 Vanguard/Investment Trends SMSF Report. Deeming freeze

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. The just-released 2024 Vanguard/Investment Trends SMSF Report shows self managed super fund trustees, especially retirees, are generally not as concerned about outliving their retirement savings as APRA super fund members. But they are concerned about regulatory changes, financial markets volatility, and rises in living expenses. Our coverage this week details the key findings from the 19th edition of the annual SMSF report, including the current SMSF trends around establishments, wind-ups, average account balances, investments, and financial advice. In terms of asset allocation, it's evident more and more SMSFs are using exchange traded funds (ETFs) and managed funds in their portfolio. In our second article, Vanguard's Senior Personal Finance Writer, Tony Kaye, explains this growing investment trend in more detail. Meanwhile, many Age Pension recipients were given an indirect boost in the latest federal budget when the Treasurer announced that the current deeming rates applied to financial investments would be kept on hold. Is this a window to the outlook on official interest rates? Read our third article to find out more.   LATEST INSIGHTS SMSF trustees have higher retirement confidence: Vanguard/Investment Trends SMSF members are less concerned than APRA fund members about outliving their savings. Read article SMSFs increasing their use of ETFs and managed funds Why a growing number of trustees are switching to ETFs and managed funds. Read article Deeming freeze a win for Age Pensioners Why the decision to keep deeming rates on hold may be a window for interest rates. Read article In case you missed it Your 30 June superannuation checklist Five easy ways to get more into your super fund before the end of the financial year. Read article The superannuation changes from 1 July The super changes on the way from the start of the 2024-25 financial year. Read article Why we invest the way we do A lasting legacy from one of the pioneers of behavioural economics. 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

Federal Budget | Your 30 June superannuation checklist | The super changes from 1 July | Why we invest the way we do

2024 Budget. Boost your super. 1 July changes. Investing psychology

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. Last night's federal budget contained some positive news for self-funded retirees, and for people who will receive paid parental leave. As well as announcing a continued freeze on social security deeming rates, the government confirmed it is extending superannuation to parents taking paid leave. The end of the financial year is fast approaching, which means you have a limited amount of time to take full advantage of this year's annual superannuation contribution caps. In our lead article this week, Vanguard's Senior Personal Finance Writer, Tony Kaye, details five ways to get more money into your super fund account before 30 June. Our second article takes us to the start of the new financial year and lists the range of superannuation changes coming into effect from 1 July, including higher concessional and non-concessional contribution limits. Lastly, in our third article, Robin Bowerman examines the lasting legacy of Israeli-American psychologist Daniel Kahneman, who was awarded the Nobel Memorial Prize in Economic Sciences in 2002 for his pioneering research into investor behaviours. This work became the foundation of what is now known as behavioural economics.   LATEST INSIGHTS Your 30 June superannuation checklist Five easy ways to get more money into your super fund account before the end of the financial year. Read article The superannuation changes starting from 1 July The super changes on the way from the start of the 2024-25 financial year. Read articleRead article Why we invest the way we do A lasting legacy from one of the pioneers of behavioural economics. Read article In case you missed it Untangling yields: Lessons for income investors Higher interest rates equal higher yields on some investments, but not all. Read article Exchanges play a vital role in driving ETF liquidity Over the past decade, the benefits of exchange-traded funds (ETFs) have resonated with millions of investors worldwide. Read article Transitioning into retirement: What you should know Deciding on your retirement funding options comes down to personal choice. 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