Vanguard's 2025 economic and market outlook | Beyond the landing | December investment update

Vanguard's 2025 outlook. Beyond the landing video. December update.

View this email online Hi Aris, Welcome to our final edition of Smart Investing for 2024. Despite making good headway in the global fight against inflation, economic conditions remain fragile. Interest rates are set to remain higher for longer. At the same time, stock valuations have become increasingly stretched. The Vanguard economic and market outlook for 2025, published this week, provides an in-depth analysis of our expectations for economic growth, unemployment, core inflation and monetary policy in key markets over the coming year. We also delve into U.S. equity market valuations and the case for bonds. Also in this week's edition, Vanguard's Global Chief Economist, Joe Davis, discusses in a short video titled "Beyond the landing" whether the strong economic momentum in the U.S. can continue in 2025 and what the elevated interest rate environment means for long-term investors. In our last article, Vanguard's December investment and economic outlook, we provide our 10-year returns forecasts for Australian and international equities and fixed income together with our economic updates on Australia, the U.S., China, the Euro area, the United Kingdom, emerging markets, and Canada. You'll receive our next Smart Investing edition on 22 January 2025. In the meantime, we wish you a very happy holiday season and new year.             LATEST INSIGHTS Vanguard economic and market outlook for 2025 The Vanguard Economic and Market outlook for 2025 outlines our views for the year ahead - and beyond. Read outlook Beyond the landing: Our economic outlook for 2025 In this short video, Vanguard Global Chief Economist Joe Davis discusses whether economic momentum can continue in 2025. Read article Our investment and economic outlook, December 2024 Our latest forecasts for investment returns and region-by-region economic outlook. Read article In case you missed it 2024 Vanguard Index Chart: The strong path from steady investing The average annual returns from six major asset classes over the last 30 years. Read article The power of dollar-cost averaging How regular investments and compounding add up to higher long-term returns. Read article The importance of diversification Understand how different asset classes have performed 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. 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Revisiting the 2024 Vanguard Index Chart | The power of dollar-cost averaging | The importance of diversification

2024 Vanguard Index Chart. Dollar-cost averaging. Why diversification?

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. In the context of movements on financial markets and ongoing economic and geopolitical uncertainty, we've decided to revisit the recently released 2024 Vanguard Index Chart this week. With only a few weeks of this year left, it's a great reminder of why staying the course is so important, and why broad diversification is the most effective antidote for markets volatility. Our lead article by Vanguard's Senior Personal Finance Writer, Tony Kaye, looks at the real value of time in the market, showing the financial returns of six major asset classes over 30 years based on an initial $10,000 investment made in 1994. Our second article examines the powerful long-term investing strategy of dollar-cost averaging. We explain what it involves, and how easy it is to automate the process of making regular investments into Vanguard exchange traded funds (ETFs) and managed funds. Lastly, we regularly talk about the importance of diversification. It's all about spreading investment risk. But how does diversification play out in terms of investing? Check out our diversification chart, which shows the best and worst returns from different asset classes. As you can see, asset class returns vary significantly from year to year.  LATEST INSIGHTS 2024 Vanguard Index Chart: The strong path from steady investing The average annual returns from six major asset classes over the last 30 years. Read article The power of dollar-cost averaging How regular investments and compounding add up to higher long-term returns. Read article The importance of diversification Understand how different asset classes have performed over time. Learn more In case you missed it It’s super hump month. Make the most of it Six ways to get more money into your superannuation fund. Read article Three simple steps for financial wellness If money’s too tight to mention, here’s some small steps that can make a difference. Read article Preparing your kids for financial success Here's some easy money management skills for children of different ages. 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. 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It’s super hump month. Make the most of it | Three financial wellness steps | Preparing your kids

It's super hump month. Three financial steps. Preparing your kids

View this email online Hi Aris, Welcome to this week's edition of Smart Investing. We're already nearing the halfway point of the 2024-25 financial year and that means it's "super hump month" in terms of making the most out of your annual superannuation contribution limits. In our lead article this week, Vanguard's Senior Personal Finance Writer, Tony Kaye, outlines six ways to get extra money into your super fund account over the remaining six months of this financial year based on the statutory increases to concessional and non-concessional contribution limits that came into effect on 1 July 2024. Meanwhile, with inflation remaining above the Reserve Bank's 2-3% target band and a cut to its official cash rate still off the cards, now could be an opportune time to look at some proven financial wellness strategies. Our second article focuses on three simple steps that can make a big difference in enabling you to achieve your long-term financial goals. Lastly, what are some of the ways you can prepare your kids for financial success? We examine some investing strategies that may suit children at different stages of life, from the very young through to young adults, and profile Vanguard Personal Investor Kids Accounts.  LATEST INSIGHTS It’s super hump month. Make the most of it Six ways to get more money into your superannuation fund. Read article Three simple steps for financial wellness If money’s too tight to mention, here’s some small steps that can make a difference. Read article Preparing your kids for financial success Here's some easy money management skills for children of different ages. Read article In case you missed it October wobbles fail to dent ETF inflows A new record for ETF inflows, with two months of the year still to be added. Read article Measuring up the price of shares Analysts have many financial measures to value companies. Here's a brief overview. Read article Ways to use ETFs in your portfolio Investors can incorporate ETFs as a stable core or as diversifiers. 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) is the product issuer and the Operator of Vanguard Personal Investor. We have not taken your objectives, financial situation or needs into account when preparing the information so it may not be applicable to the particular situation you are considering. You should consider your objectives, financial situation or needs, and the disclosure documents for the product before making any investment decision. Before you make any financial decision, you should seek professional advice from a suitably qualified adviser. A copy of the Target Market Determinations ("TMDs") for Vanguard's financial products can be obtained at vanguard.com.au free of charge and includes a description of who the financial product is appropriate for. You should refer to the TMD of the product before making any investment decisions. You can access our IDPS Guide, PDSs Prospectus and TMD at vanguard.com.au or by calling 1300 655 101. Past performance information is given for illustrative purposes only and should not be relied upon as, and is not, an indication of future performance. This publication was prepared in good faith and we accept no liability for any errors or omissions. © 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