| Hi Aris, Welcome to this week's edition of Smart Investing. Do you know what fees your super fund is charging you? If you don't, you're not alone. In fact, our research shows two in three Australians are not even aware their super fund is charging them multiple fees. Super fees are confusing, and transparency by funds is lacking. In our lead article this week, Vanguard's Managing Director, Daniel Shrimski, says Australians will be shocked to find out how much is being drained from their retirement savings through fees. He says there are some very clear opportunities to improve fee transparency for Australians when it comes to their super. Read his article to find out more. Meanwhile, the total size of Australia's exchange traded funds (ETFs) industry has just hit a new high of more than $219 billion following record investor inflows over the September quarter of $12.7 billion. In our second article, Vanguard's Senior Personal Finance Writer, Tony Kaye, delves into the key areas where ETF investors have been directing their capital. International equity ETFs have attracted 60% of total inflows, while more than 91% of assets under management are being held in index-tracking funds. Read his article to find out more. Lastly, millions of Australians are unpaid caregivers to people in need. They could be family members, or friends. New Vanguard research shows that the financial cost of being a caregiver can be substantial and have a significant impact on retirement balances. Our third article calculates the potential costs and provides some super solutions. | 
