The potential risks of private credit investments | SMSFs vs APRA funds | Managed funds or ETFs?

Private credit risks. Choosing a super route. Managed funds or ETFs?

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. Private credit investment products appear to be proliferating across Australia, in some cases purporting to be term deposit funds. But they carry significant potential risks for investors. In our lead article this week, Vanguard's Senior Personal Finance Writer, Tony Kaye, delves into the world of private credit investments, also known as shadow banking. Due to its lack of transparency, it's an area that banking authorities and regulators are closely monitoring. Our second article road tests self managed super funds (SMSFs) against APRA-regulated super funds. Both have pros and cons, and how you invest your super ultimately comes down to your retirement savings strategy over the longer term. Learn more about the super route options. In our third article we cover the differences between managed funds and exchange traded funds (ETFs). What type of fund is best for you? As always, that comes down to your personal strategy, but we explain the inner workings of both forms of investment fund products. Do you have a good investor story to tell? We're especially keen to hear from Vanguard investors who are close to retirement, or already retired. If you're interested in being interviewed for our investor story video series, please send us an email to corpcommsaustralia@vanguard.com.    LATEST INSIGHTS The potential risks of private credit investments Investors considering private credit income products should closely assess the risks. Read article The pros and cons of taking the DIY super route Having your own super fund provides more control, but they're not for everyone. Read article Should I invest in a managed fund or ETF? What's the difference between managed funds and ETFs? And which product type is right for you? Read article In case you missed it More high-net-worth individuals are using ETFs Why wealthy investors are gravitating towards exchange traded funds. Read article Do share market records really matter? The reality for investors is share markets have been on a record run for decades.  Read article Our investment and economic outlook, July 2024 Our region-by-region economic outlook and latest forecasts for investment returns. 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

Do market records matter? | High-net-wealth-individuals shift to ETFs | Our latest investment and economic update

Do market records matter? HNWIs shift to ETFs. Our economic update.

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. Global share markets again broke records last week as the prospect of a "soft landing" for the United States economy helped fan them to new heights. The question for investors though is, do market records really matter? In our lead article this week, Vanguard's Senior Personal Finance Writer, Tony Kaye, says "no". He explains why, and the approach taken by the most successful investors. Meanwhile, Vanguard research shows more Australian high-net-worth-individuals are gravitating to exchange traded funds. So, what is the key attraction of ETFs to wealthy investors? We explain where HNWIs are investing, and why. 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. Do you have a good investor story to tell? We're especially keen to hear from Vanguard investors who are close to retirement, or already retired. If you're interested in being interviewed for our investor story video series, please send us an email to corpcommsaustralia@vanguard.com.    LATEST INSIGHTS Do share market records really matter? The reality for investors is share markets have been on a record run for decades. Read article More high-net-worth individuals are using ETFs Why wealthy investors are gravitating towards exchange traded funds. Read article Our investment and economic outlook, July 2024 Our region-by-region economic outlook and latest forecasts for investment returns. Read article In case you missed it What super fund members should know when comparing returns Why you need to compare apples with apples on super fund performances and fees. Read article Market gains and investor inflows propel Australian ETF assets to new heights Index-tracking ETFs are continuing to attract the lion's share of investor inflows. Read article Investor stories: Meet Gwyn Low Gwyn believes in investing as early as possible. 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

What you should know when comparing super returns | ETFs hit record high | Vanguard investor story

Comparing super returns. ETFs crack $200bn. Hear Gwyn's investor story

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. Many super funds are now announcing their member product performance returns from the 2023-24 financial year and, by and large, after a fairly good year on global investment markets, returns have been relatively strong.  Yet, in our lead article this week, Vanguard's Senior Personal Finance Writer, Tony Kaye, says it's important for super fund members to compare apples with apples on performance and fees. The problem is, some super funds don't tell the full story. Read on to find out more. Meanwhile, in our second article, we take a deep dive into Australia's booming exchange traded funds industry, which reached a new milestone at the end of June as total assets under management exceeded $200 billion. We detail where the biggest inflows of investor capital have been going so far this year and why. Lastly, we speak to a Vanguard investor to find out more about her investing story, including why she started investing, what her first investment was, what her portfolio looks like now, and what advice would she would give to other investors. Watch our video interview. Do you have a good investor story to tell? We're especially keen to hear from Vanguard investors who are close to retirement, or already retired. If you're interested in being interviewed for our investor story video series, please send us an email to corpcommsaustralia@vanguard.com.    LATEST INSIGHTS What super fund members should know when comparing returns Why you need to compare apples with apples on super fund performances and fees. Read article Market gains and investor inflows propel Australian ETF assets to new heights Index-tracking ETFs are continuing to attract the lion's share of investor inflows. Read article Investor stories: Gwyn Low Gwyn believes in investing as early as possible. Read article In case you missed it Striking a balance in the new financial year By doing a few calculations you can easily see if your portfolio is still on track. Read article Putting your tax savings to good use Consider deploying your extra cash as part of a regular investing strategy. Read article The superannuation changes from 1 July The super changes that came into effect from the start of the 2024-25 financial year. 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