[Smart Investing] The logical path to investing | 'Unretiring' retirees | Baby boomers: At the coalface of a demographic shift

Click here to view online.             Smart Investing™ With Robin Bowerman Principal, Market Strategy and Communications 16 November 2015     In this edition       •     The logical path to investing     •     'Unretiring' retirees     •     Baby boomers: At the coalface of a demographic shift     The logical path to investing Markets are dynamic, ever-changing and the information flow is relentless and, frankly, overwhelming.     Read more       'Unretiring' retirees It could be called 'unretiring' if there were such a word. This is the practice of retirees making a decision to return to work.     Read more       Baby boomers: At the coalface of a demographic shift Are you among those baby boomers who can clearly remember back to the days when their intended retirement date was sometime in the far, far distant future? It probably seems like yesterday.     Read more           Vanguard in the news   ASIC pilot finds support for simpler PDS Wouter Klijn | 13 November 2015   A product disclosure statement (PDS) should present information in the simplest way possible to help retail investors understand the risks they take on, an ASIC-led pilot program among investors has found.   To read more, please visit the Financial Observer website.   Please note the link above will show a copy of the article (where freely available), or the publisher's website if a subscription is required. Quick links   Exchange Traded Funds   Performance   News and Commentary   Retail Managed Funds     Connect with us   LinkedIn   Twitter Client services   Online: Click here to see contact details for the Vanguard Client Services Team around Australia. Client service associates are available from 8:00am to 6:00pm, Monday to Friday (Melbourne time).   Email: clientservices@vanguard.com.au   Telephone: 1300 655 101 8:00am - 6:00pm Monday to Friday, Melb time.   Vanguard ETF Trading & Support team: 1300 655 888 8:00am - 6:00pm Monday to Friday, Melb time.   Unsubscribing from this email: To unsubscribe from Smart Investing™, please click here or contact us on 1300 655 101.   Vanguard Investments Australia Ltd ABN 72 072 881 086 / AFS Licence 227263 is the product issuer. We have not taken your or your clients' circumstances into account when preparing the information in our electronic publications so they may not be applicable to your circumstances. You should therefore consider your or your clients' circumstances and our Product Disclosure Statement (PDS) before making any investment decision. You can access our PDS here 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 hyperlink.   © 2015 Vanguard Investments Australia Ltd. All rights reserved.   Terms and conditions of use  |  Disclaimers  |  Privacy policy

                       

[Smart Investing] Risk and return not an each-way bet | Counting the cost of 'grey' divorce | The purpose of super from another angle

Click here to view online.             Smart Investing™ With Robin Bowerman Principal, Market Strategy and Communications 09 November 2015     In this edition       •     Risk and return not an each-way bet     •     Counting the cost of 'grey' divorce     •     The purpose of super from another angle     Risk and return not an each-way bet There is one powerful, simple fact about the $140+ million wagered on this month's Melbourne Cup that the investment industry can probably only dream of emulating. No matter how little - or how much - you decided to bet based on the horse/jockey/colour/lucky number, the one thing that was not in doubt was that you knew you risked losing the lot.     Read more       Counting the cost of 'grey' divorce One of the saddest personal finance stories of the year is a recent piece in The New York Times about the growth of what the author calls "silver or grey divorces".     Read more       The purpose of super from another angle Just as the Federal Government accepts a recommendation from the Financial System Inquiry that the objectives of super be enshrined in law, the Superannuation Complaints Tribunal has discussed this issue specifically from the perspective of super death benefits. It makes interesting reading.     Read more           Vanguard in the news   Vanguard fills fixed income, regional void Elizabeth Somerville | 30 October   Vanguard has announced plans to launch four new ETFs, including international fixed income and regional equities.   To read more, please visit the Financial Observer website.   Please note the link above will show a copy of the article (where freely available), or the publisher's website if a subscription is required. Quick links   Exchange Traded Funds   Performance   News and Commentary   Retail Managed Funds     Connect with us   LinkedIn   Twitter Client services   Online: Click here to see contact details for the Vanguard Client Services Team around Australia. Client service associates are available from 8:00am to 6:00pm, Monday to Friday (Melbourne time).   Email: clientservices@vanguard.com.au   Telephone: 1300 655 101 8:00am - 6:00pm Monday to Friday, Melb time.   Vanguard ETF Trading & Support team: 1300 655 888 8:00am - 6:00pm Monday to Friday, Melb time.   Unsubscribing from this email: To unsubscribe from Smart Investing™, please click here or contact us on 1300 655 101.   Vanguard Investments Australia Ltd ABN 72 072 881 086 / AFS Licence 227263 is the product issuer. We have not taken your or your clients' circumstances into account when preparing the information in our electronic publications so they may not be applicable to your circumstances. You should therefore consider your or your clients' circumstances and our Product Disclosure Statement (PDS) before making any investment decision. You can access our PDS here 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 hyperlink.   © 2015 Vanguard Investments Australia Ltd. All rights reserved.   Terms and conditions of use  |  Disclaimers  |  Privacy policy

                       

[Smart Investing] Combining total-return investing with realistic investment expectations

Click here to view online.             Smart Investing™ With Robin Bowerman Principal, Market Strategy and Communications 04 November 2015     In this edition       •     Combining total-return investing with realistic investment expectations     •     Taking a personal perspective on the global retirement-incomes challenge     •     Into the super future     Combining total-return investing with realistic investment expectations How should investors deal with the outlook for continuing low-inflation, low-interest rates, subdued investment returns and slow global economic growth?     Read more       Taking a personal perspective on the global retirement-incomes challenge As Smart Investing recently discussed, Australia once again ranks third out of 25 countries in the latest Melbourne Mercer Global Pension Index in terms of the overall score for our retirement-income system's adequacy, sustainability and integrity.     Read more       Into the super future With an almost uncanny coincidence of timing, the respected Melbourne Mercer Global Pension Index was released within a day of the Federal Government's response to the recommendations of the Financial System Inquiry, chaired by David Murray.     Read more           Vanguard in the news   SMSF industry applauds long-awaited response to FSI Miranda Brownlee | 22 October   Vanguard welcomes the Australian government's intention to enshrine the objectives of the super system into law, but recognises more needs to be done to help Australians manage risk in their retirement years, says Robin Bowerman.   To read more, please visit the SMSF Adviser website.   Please note the link above will show a copy of the article (where freely available), or the publisher's website if a subscription is required. Quick links   Exchange Traded Funds   Performance   News and Commentary   Retail Managed Funds     Connect with us   LinkedIn   Twitter Client services   Online: Click here to see contact details for the Vanguard Client Services Team around Australia. Client service associates are available from 8:00am to 6:00pm, Monday to Friday (Melbourne time).   Email: clientservices@vanguard.com.au   Telephone: 1300 655 101 8:00am - 6:00pm Monday to Friday, Melb time.   Vanguard ETF Trading & Support team: 1300 655 888 8:00am - 6:00pm Monday to Friday, Melb time.   Unsubscribing from this email: To unsubscribe from Smart Investing™, please click here or contact us on 1300 655 101.   Vanguard Investments Australia Ltd ABN 72 072 881 086 / AFS Licence 227263 is the product issuer. We have not taken your or your clients' circumstances into account when preparing the information in our electronic publications so they may not be applicable to your circumstances. You should therefore consider your or your clients' circumstances and our Product Disclosure Statement (PDS) before making any investment decision. You can access our PDS here 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 hyperlink.   © 2015 Vanguard Investments Australia Ltd. All rights reserved.   Terms and conditions of use  |  Disclaimers  |  Privacy policy