Economy & markets

Cheap oil driving monetary policy?

Just as the Federal Reserve was bracing markets for its first interest rate hike since 2006 to head off any pickup in inflation, along came the drop in the price of oil.

And it’s been a big drop—even for an … Read more

Retirement

Part two: The 4% spending rule, 20 years later

Thanks very much for the thoughtful comments from my blog post on the 4% spending rule. It was terrific to read your comments and questions, and the best practices that you’re willing to share with other readers. Since it would … Read more

Personal finance

Saving vs. investing: Is there a difference?

Saving. Investing. It’s all the same, right?

Not necessarily.

When Vanguard clients come to me for financial advice, they often use the terms “saving” and “investing” interchangeably. Most of the time, they refer to longer-term goals—“I’m saving for my son’s … Read more

Personal finance

The transition from retirement saver to spender

You have worked most of your life and now it’s time to start looking at the next phase. How do you do that?

The first thing you need to do is picture what your retirement will look like—if you’re going … Read more

Investing

“The Search for Yield” trilogy

I am a fan of movie trilogies, and my favorites include those that involve Luke Skywalker and Jason Bourne. Trilogies interest me because, while they consist of separate movies, they still share an overarching story line. That’s not dissimilar from … Read more

Investing

The myth of being “average”

In my previous blog, “The myth of the inefficient market,” I tackled the question of whether some areas of the global market are less efficient than others. In this iteration, I turn my attention to another common myth: … Read more

Investing

The twilight of the investment nerd

A few weeks ago, our blog editor suggested an idea for my next post: “How about, ‘Why I’m proud to be an investment nerd’?”

I closed my eyes, counted to ten. Once the rage had subsided, I said, as calmly … Read more

Economy & markets

Blast from the past: A look back at our 2014 predictions

Being comfortable with uncertainty, being prepared, and not being overconfident are essential life skills.

It is no coincidence that these skills serve as strong investment principles and help us look at the markets and economy with a healthy dose of … Read more

Personal finance

New year, same-old resolutions?

Lose weight, exercise more, appreciate the small things, make more time for myself, and enjoy my friends and family. Sound familiar? These are the resolutions that I usually have on my list. Some years I have more success, and some years less.… Read more

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Visit vanguard.com or contact your broker to obtain a Vanguard ETF or fund prospectus which contains investment objectives, risks, charges, expenses, and other information; read and consider carefully before investing.

Vanguard ETF Shares are not redeemable with the issuing Fund other than in Creation Unit aggregations. Instead, investors must buy or sell Vanguard ETF Shares in the secondary market with the assistance of a stockbroker. In doing so, the investor may incur brokerage commissions and may pay more than net asset value when buying and receive less than net asset value when selling.

Investments in bond funds are subject to interest rate, credit, and inflation risk.

Diversification does not ensure a profit or protect against a loss in a declining market.

Foreign investing involves additional risks including currency fluctuations and political uncertainty.

Stocks of companies in emerging markets are generally more risky than stocks of companies in developed countries.

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in such a fund.

All investing is subject to risk, including possible loss of principal.

Vanguard Marketing Corporation, Distributor

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