Vanguard wins Canstar and Money Magazine awards | To hedge or not to hedge | What are SMAs?

Vanguard wins Canstar and Money Magazine awards. Hedging. About SMAs

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. Vanguard has this week added to its long list of industry awards by being named ETF Provider of the Year by Canstar and for having the Best Value MySuper Product and the Best International Shares ETF by Money Magazine. Meanwhile, to hedge or not to hedge? That is the question. Learn more about hedging. Finally, separately managed accounts are growing in popularity. Find out why. LATEST INSIGHTS Vanguard wins prestigious Canstar and Money Magazine awards Vanguard is committed to providing low-cost, high-quality investment solutions. Read article To hedge or not to hedge? Explore the pros and cons of currency hedging. Read article Why separately managed accounts are proving popular among investors SMAs offer flexibility, transparency, and the potential for better tax outcomes. Read article In case you missed it AI exuberance: Economic upside, stock market downside The key findings of Vanguard’s economic and market outlook to be released in December.  Learn more Our investment and economic outlook, November 2025 Our latest forecasts for investment returns and region-by-region economic outlook. Learn more Vanguard Super delivers double-digit annualised returns over its first three years Members benefit from strong performance since launch. Learn more Connect with Us Manage your preferences or 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. Important information Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer. 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. © 2025 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. Please do not reply to this email as it is not monitored. To contact us, please call us on 1300 655 101 between Monday and Friday, 8:00am to 6:00pm (AET). Terms and conditions of use | Disclaimers| Privacy policy | Cookie policy

Could your super be happier with Vanguard?

Low fees. Strong performance. Simpler, smarter super

Having trouble viewing this email? View Online Explore a future with Vanguard Super Hi Aris, No matter how far you are from retirement, it's never too early (or late) to look at your super. The fund you choose is investing for your future - and every year counts! When we launched Vanguard Super, we brought nearly 50 years of global investment expertise to deliver a smarter, simpler super fund. Low fees, so you keep more of your super Enjoy a low yearly fee of 0.56%. That’s $280 on a $50,000 balance for MySuper Lifecycle – one of the lowest on the market1.  Calculate your fees Strong performance, so your super works as hard as you Our low-fee MySuper Lifecycle option has delivered a 13.55% annualised return since its October 2022 launch, for members aged 47 and under.2 See our performance Super that auto-adjusts, so you can rest easy Our Lifecycle investment option is brilliantly designed for ease, so you can relax knowing we’ll adjust your investment mix as you get older. Discover Lifecycle Australia’s fastest growing super fund. Based on asset growth rate for FY 2024.3 Explore Vanguard Super Connect with Us 1. Vanguard analysis using SuperRatings Fee Report, shows Vanguard MySuper Lifecycle as one of the lowest fee MySuper products as at 30 June 2025. All MySuper products that are part of the SuperRatings universe are included in the analysis. The benchmarked fees and costs reference ongoing annual fees and costs disclosed in the PDS. Other fees and costs may apply, please refer to the PDS for more information. 2. Past performance is not a reliable indicator of future performance.  Annualised performance calculated over the period 5 October 2022 to 30 June 2025. Investment returns are not guaranteed. 3. Fastest growing APRA-regulated super fund (by asset growth rate) for the 2023-24 financial year,  State of Super 2025 Report, Conexus Institute. 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. Important information 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 of Vanguard Super (ABN 27 923 449 966) and the issuer of Vanguard Super products. The Trustee has contracted with Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) (VIA) to provide some services to members of 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"). The information provided in this email is general in nature and doesn't take into account your personal financial objectives, situation or needs. You should consider your objectives, financial situation or needs, and the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making any decision about Vanguard Super. The PDS and TMD can be accessed free of charge at vanguard.com.au/super or by calling 1300 655 101. Before you make any financial decision regarding Vanguard Super, you may wish to seek professional advice from a suitably qualified adviser. 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 email was prepared in good faith and we accept no liability for any errors or omissions. For security reasons, Vanguard will not send you an email or SMS with clickable links asking you to verify or provide your personal information such as your account or login details. Please do not reply to this email as it is not monitored. To contact us, please call us on 1300 655 101 between Monday and Friday, 8:00am to 6:00pm (AET). © 2025 Vanguard Super Pty Ltd. All rights reserved. Terms and conditions of use | Disclaimers | Privacy policy | Cookie policy

Economic upside, stock market downside. Our November outlook. Vanguard Super delivers double-digit annualised returns

Economic upside, stock market downside. Vanguard Super's super returns

Having trouble viewing this email? View Online Hi Aris, Welcome to this week's edition of Smart Investing. Vanguard's Global Chief Economist, Joe Davis, examines AI exuberance: Economic upside, stock market downside in our global outlook summary. Also read our November investment and economic outlook and forecasts. Lastly, Vanguard Super is celebrating its third anniversary with double-digit annualised returns. LATEST INSIGHTS AI exuberance: Economic upside, stock market downside The key findings of Vanguard’s economic and market outlook to be released in December.  Read article Our investment and economic outlook, November 2025 Our latest forecasts for investment returns and region-by-region economic outlook. Read article Vanguard Super delivers double-digit annualised returns over its first three years Members benefit from strong performance since launch. Read article In case you missed it How to choose an ETF What to look for when choosing at ETF. Learn more Investing without blind spots How investor biases and inertia affect portfolios and how to overcome them. Learn more Three timeless investing lessons from Warren Buffett Warren Buffett is stepping back, but his investment wisdom endures. Learn more Connect with Us Manage your preferences or 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. Important information Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer. 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. © 2025 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. Please do not reply to this email as it is not monitored. To contact us, please call us on 1300 655 101 between Monday and Friday, 8:00am to 6:00pm (AET). Terms and conditions of use | Disclaimers| Privacy policy | Cookie policy