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The Great Australian (Retiree) Dream
The very high level of debt-free home ownership among current Australian retirees helps counterbalance their low average super savings, undoubtedly contributing to any sense of financial security.
Concentrate - But Not In Your Portfolio
A thought-provoking exercise for self-managed super fund (SMSF) trustees is to compare their fund's asset allocation to those of the balanced portfolios of Australia's biggest super funds.
Balancing (& Rebalancing) For Success
How has your investment portfolio performed over the past 10 years since the onset of the global financial crisis (GFC)?
Are Young Investors Wasting Their Youth?
It was George Bernard Shaw who coined the phrase 'youth is wasted on the young'. In Australia today, it seems the young may be wasting their investing youth.
ETFs' Most-Enthusiastic Personal Investors
Self-managed funds rank among the longest and biggest supporters of Exchange Traded Funds (ETFs).
Our 'Hardest' SMSF Tasks
What are the hardest aspects of running your self-managed super fund (SMSF)? Are they the seemingly ever-changing rules, the paperwork and administration or the challenge of choosing where to invest?
ETFs: A Decade Of Fast-Growing Popularity
The popularity of Exchange Traded Funds (ETFs) has rapidly grown over the past 10 years in Australia and overseas - a decade that begun ominously enough with the beginning of the global financial crisis (GFC).
The Digital Investor & The 'Ostrich Effect'
The internet, of course, brings positives and negatives for digitally-aware investors.
Making An Active Decision
A recent Vanguard research paper opens with a challenging question that investors are increasingly asking themselves: How should I allocate my investment capital across index and active investments?
Is Your SMSF Retirement-Ready?
A recent Vanguard research paper opens with a challenging question that investors are increasingly asking themselves: How should I allocate my investment capital across index and active investments?
3 Ways That ETFs Can Help To Minimise Tax
Low-cost exchange traded funds allow investors to maintain a laser-like focus on returns.
Jekyll & Hyde Characteristics Of Compounding
Understandably, investors tend to focus on the positive sides of compounding.
An SMSF Blueprint For Non-SMSF Investors
As the one million-plus members of Australia's 600,000-plus self-managed super funds know, SMSFs must prepare and regularly update an investment strategy.
Slow And Steady Wins The Race
Last year at Vanguard we celebrated the 20th anniversary of our incorporation in Australia back in 1996.
Multiple Super Accounts In A 'Gig' Society
How many super accounts do you have? No doubt, some people have even more super accounts than credit cards.
Don't Lose Sleep Over The Uncontrollable
Tumultuous, volatile and uncertain. These are a few words (albeit extreme ones) an investor might choose to describe the first half of 2017.
ETFs: Greater Choice Means More Homework
Australian investors have been enthusiastic adopters of exchange-traded funds, with the local ETF market growing to $28.8 billion in May 2017, up by more than $5 billion over the last 12 months.
Tennis, Chess & Zero-Sum Game Investing
For every winner in a game of, say, tennis or chess, there's obviously a loser.
Give Your Children A Saving & Investing Edge
Perhaps the best way to give your young children a lifetime saving and investing advantage is to ensure they are as financially literate as possible, as early as possible in their lives.
A Personal Spending Check-Up
At a time when investment returns and pay rises are typically subdued, a temptation is for investors, including retirees, to take greater risks outside their tolerance to risk in an effort to keep up investment returns.
There's No Magic Pudding When It Comes To Super
Superannuation is supposed to be all about providing income in retirement.
A Powerful Case For Global Shares Exposure
Investors who confine themselves to the Australian market may be carrying a much riskier equity portfolio than they perhaps realise. The good news is that broad international equity exposure is so readily obtainable - even with a single trade.
ETF Investors Hear Low-Cost Message
Hardly a day seems to pass without the media publishing articles about how many more investors are turning to index funds to gain low-cost diversification for their portfolios.
Lessons Learnt - Often The Hard Way
Unfortunately, many of us learn the principles of sound saving and investment practices the hard way through trial and error. And often these lessons are finally learnt, if ever, by the time we are in the countdown to retirement.
Characteristics Of A 'Desirable' Investment Product
Just think for a while about what fundamental characteristics that you and many other investors would want and need from an investment product. This should help you focus on what really matters when choosing a product.
Beyond Super: Our Other Personal Investment Market
Many investors may not realise that Australia's super and non-super personal investment markets are almost equal in value.
Fund Manager's: Will Today's Winners Become Tomorrow's Losers?
Can the past outperformance by an actively-managed investment fund provide a guide to the likeliness of its outperformance in the future?
A Vital SMSF Question: A Corporate Trustee Or Individual Trustees?
A self-managed super statistic that doesn't seem to change much over the years is the strong preference of new SMSFs for individual trustees rather than a corporate trustee.
Short-Term Losses Not So Bad For Long-Term Bond Investors
If you're feeling a little unnerved about your bond portfolio at the moment, you are likely not alone.
Practical Ways To Control Portfolio Drift
Sticking to a disciplined strategy of regularly rebalancing a portfolio back to its target asset allocation can often seem counter-intuitive.
When A Portfolio Loses Its Balance
Just think of what your portfolio might look like if you never followed one of the principles of sound investment practice - that is to regularly rebalance your portfolio back to its strategic or target asset allocation.
Why Asset Allocation Really Matters
A message highlighted by this latest research is that setting an appropriate strategic asset allocation for an investor's circumstances is a starting point for all investors before considering investment selection.
Life's Financial Turning Points: Good & Not-So-Good
The marriage and divorce statistics for 2015 sadly suggest that 43 per cent of Australian marriages may end in divorce. Significantly, this number-crunching does not include separations of de facto couples.
Why Super's Greatest Strength Is Also A Weakness
The Australian super system is rightly regarded as in the top tier of pension systems around the developed world. But its greatest strength - the mandatory contribution regime - is also its Achilles heel in terms of the engagement of individual members.
Avoid 'Piecemeal' Portfolio Creation
How did you create your investment portfolio? Was it a carefully thought out, highly planned and disciplined process? Or was it what a new Vanguard research paper terms a 'piecemeal' approach?
Almost The World's Best For Retirees
What are the best countries for a comfortable retirement? What countries have the best retirement-income systems? It seems the answers to these questions are rather positive for Australian retirees.
Your First SMSF Portfolio
New SMSF trustees face something of a double challenge in 2017-2018: Coming to terms with the long-standing fundamentals of having your own fund together with the biggest changes to super in a decade.
Coordinate To Get The Most From Super Changes
The imminent arrival of a limit on super tax-free pension accounts together with lower contribution caps is likely to have the unintended and positive consequence of bringing more couples closer together when it comes to their investment strategies.
Dollar-Cost Averaging For Millennial Investors
It's hardly surprisingly that a personal finance article in Forbes magazine places the classic and straightforward investment practice of dollar-cost averaging high among a list of tips to help millennials become better, more disciplined investors in 2017.
Almost The World's Best For Retirees
What are the best countries for a comfortable retirement? What countries have the best retirement-income systems? It seems the answers to these questions are rather positive for Australian retirees.
ETFs: An Investor's Emotion Blocker
Much of the discussion about the attributes of exchange-traded funds focuses on their low cost, simplicity, transparency and practicality in gaining a desired degree of exposure to chosen markets for a diversified portfolio.
All-Terrain Motoring, All-Terrain Portfolios
More of us are equipped for all-terrain motoring but how ready are you for all-terrain investing?
Competition Heats Up For Your Retirement Dollars
Are you among the estimated two million-plus super fund members who will join the ranks of retired members over the next 15 years? If so, you are a potential beneficiary of intensifying competition among super funds to provide your super retirement income.
Why SMSFs hold a lion's share of retiree market
It seems almost an understatement to say that the self-managed super sector holds a lion's share of superannuation's retiree market in dollar terms.
A Little Trust Can Pay A Big Dividend In Super
The Australian superannuation system has many fine qualities, but if you were asked to rate it on the basis of trust - on a score of 1 to 10 - what would you give it?
Why SMSFs Should Plan For The Unexpected
Understandably, trustees of new self-managed super funds are typically full of enthusiasm about what can be achieved. It's largely why many would go the self-managed route in the first place.
How Buffett Can Help Interpret The Latest Active Scorecard
You could be forgiven for thinking that active fund managers have been having a hard time of it lately.
The Personal Finance Of Travelling
One of the personal finance myths is that many retirees take their super as a lump sum and spend the money on overseas holidays.
ETFs: How To Get Started
One of the greatest advantages young investors have is time. The more time you have, the more the power of compounding can work for you.
What Recent Retirees Can Teach Pre-Retirees
Vanguard analysts have surveyed thousands of pre-retirees and recent retirees in Australia, US, UK and Canada to measure their satisfaction with their financials.
Improve Your Satisfaction In Retirement Countdown
Who tends to be more satisfied with their financial situations - individuals due to retire in the next 10 years, or those who retired over the past 10 years?
Your Latest Gig, Your Latest Super Savings
It wouldn't be surprising if saving and investing are far from the minds of many younger people working in the burgeoning 'gig economy'.
In Your Interest: A Mortgage Buffer
The Reserve Bank's decision this week to once again leave the official cash rate at a record low of 1.5 per cent is likely to encourage prudent homebuyers to keep building up or at least maintain their mortgage buffers if possible.
Why Betting On Markets Can Make For A Bumpy Ride
The New Year has ushered in a boom for US equities, with the sharemarket there invigorated by a new President spruiking a pro-business agenda.
Jump-Start Your Retirement Savings
Unfortunately, many people would reach their mid-fifties and conclude that their savings are not on track to finance a satisfactory lifestyle in retirement.
New Year (Investment) Resolutions
An astute way to begin a new year is to take a close look at your personal finances - including your super and non-super investment portfolios and your retirement-saving strategies - and to think about what improvements should be made.
Vanguard's Investment Tips For 2017
We can't predict what 2017 will bring. And if you know Vanguard, you should know not to expect 'hot' tips from us. But here are four suggestions that we believe can help investors reach their goals.
Why Investors Should Heed, But Not Act On, Forecasts
It's that time of year again - our inboxes are now being deluged with a variety of weird and wonderful predictions for sharemarkets and economies in the coming year.
After A Long Pause, US Rate Rise Resumes
Vanguard is encouraged by the Federal Reserve's decision, and we look forward to continued progress towards normalising US interest rates in the coming year.
What A Long-Term View Of The Market Can Teach Investors
The curtain coming down on another year has a way of focusing the mind on how time is passing. It is also the time of year when market pundits put their forecasting hats on and share their best thoughts on what is in store for us in the year ahead.
A Critical Time For Specialist Advice
There are times in our lives when the need for gaining specialist professional advice may seem particularly critical. And for many super fund members, this is one of those times.
Keeping Finances In The Family
Would you be willing to help your adult children financially if they were experiencing financial difficulties? And would you be willing to help your elderly parents if they were in financial need?
How ETFs Spread The Low-Cost Message
In dollar terms alone, Exchange Traded Funds (ETFs) hardly rank among the heavy-hitters of Australian investment.
Investor Habits: The Good, The Bad & The Ugly
No matter whether investment markets are rising or falling or somewhere in between, an investor's habits - good and bad - really matter.
Meet SMSFs' Early & Late Arrivals
You probably wouldn't be surprised to learn that more than 90 per cent of the investors who established SMSFs in the June quarter are aged between 25 and 64.
Why Your Income Needs Protection
When thinking about our family insurance needs, a basic error or trap is to focus mainly on life cover without giving enough thought to gaining adequate income-protection insurance.
ETFs: Look Behind The Statistics
A look behind the recent statistics for Exchange Traded Funds (ETFs) underlines their multi-faceted growth, globally and in Australia.
Just The Beginning For ETFs & Self-Managed Super
Like it or not - and ready or not - we live in a disruptive world.
What The Chocolate Test Means For Investors
Imagine being asked to choose from a display of 30 different chocolates and 24 flavours of jam. Chances are you would have trouble making a choice and perhaps may end up without a single chocolate or a jar of jam.
Your ETF Toolbox
A growing market for exchange-traded funds (ETFs) is giving investors more flexibility when it comes to building their portfolios.
A Certain Strategy For An Uncertain Market
Mark Twain was a great author but 'stupendously incompetent' when it came to investing, according to a feature in Time magazine earlier this year.
Effective Active Comes With A (Low) Cost
Reading the latest report card on Australia's actively managed investment funds, you could be forgiven for thinking that the profession of 'stock-picking' has had its day.
Slow On The Draw
Recently-published research by the CSRIO-Monash Superannuation Research Cluster suggests that a large proportion of retirees could be described as 'slow on the draw' when it comes to their account-based superannuation pensions.
ETFs Or Managed Funds?
Building an investment portfolio for a self-managed super fund can leave some trustees feeling like explorers, trying to find the best route to an uncertain destination - the so-called place for a 'comfortable retirement' - but without the help of some basic tools like a map and compass.
Economics & Investing
Can economic analysis make you a better investor? We can all benefit from an outlook that paints a picture of longer-term trends in the global economy and how those trends will influence the markets.
Going Undercover
The holding of adequate life, total and permanent disability and salary-continuance insurance is a critical part of sound personal financial and wealth management.
Global Investors 'Piled Into ETFs'
A recent personal finance feature published by Bloomberg asks readers to guess 'who just turned 40'.
When Virtue Can Be An Investment Vice
Concentration is generally a trait to be encouraged. But in the investment world concentration has a regular bedfellow, an alter ego if you will, and it is called risk.
Don't Just Get Half The Picture
Australia has, of course, a dual personal investment/saving sectors: assets held inside and outside super.
The Toughest Tasks For Self-Managed Super
What are the hardest aspects of running your self-managed super fund (SMSF)? Is it the paperwork, all of the investment rules or the fundamental challenge of choosing where to invest your money?
 

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