Charu Chander Gross

Charu Chander Gross

Charu Chander Gross is a senior manager in Retail Services, which provides clients with investment guidance and customer service. She joined Vanguard in 2005 and has held various leadership roles within the Retail division. Charu has spent time in Human Resources, Financial Advisor Services, and Web Services. She has a B.S. in Economics from Penn State University.

Recent blog posts by Charu Chander Gross

Personal finance

8 tips for starting an emergency fund

A few months ago, my husband and I experienced debit card fraud. Reviewing our bank account online, I noticed a series of strange ATM withdrawals that we didn’t make. The withdrawals were substantial, adding up to a few thousand dollars. … Read more

Retirement

Early in your career? Consider a Roth

Here at Vanguard, we’re in our busy season. As clients set New Year’s resolutions to save more and prep for submitting their taxes, we receive more phone calls and emails. There’s a tradition at Vanguard where employees from around the … Read more

Investing

You’re right: For young savers, debt does matter

In several of my previous posts, I’ve touched on the importance of starting to save early. It’s a pretty easy case to make—having the benefit of a long time horizon can make a substantial difference in what you can amass … Read more

Personal finance

Rent or buy? Things to consider

Over the weekend, my husband and I signed a contract to buy a new house. After months of indecision—and driving our realtor crazy—we finally committed. (Now, if we could just decide on the color of the knobs for the bathroom … Read more

Investing

TVs and mutual funds: Do you get what you pay for?

Two years ago, my husband and I bought a TV. He wanted the super-duper one. I wanted a good deal. We went with the good deal.

Fast-forward two years, and the TV we got only turns on and off when … Read more

Investing

Avoiding risk? You might not be

I don’t consider myself a risk-taker. I change the batteries in my smoke detectors, double check that my doors are locked, and always wear my seat belt. I can absolutely relate to the fear that many young people have when … Read more

Investing

Need proof?

In response to my most recent post, “Give ‘thoughtomation’ a try,” I received this helpful idea from a reader:

“Why don’t you post a spreadsheet with comparisons of saving early vs saving late in life? That is the most important Read more

Personal finance

Give “thoughtomation” a try

Yesterday, I pulled up to an automated teller machine (ATM) in my automatic-transmission car, opened my automatic car windows, and withdrew cash that had been automatically deposited in my bank account on payday. I then used some of the cash … Read more

Investing

Our own devices

I have to admit, I can’t live without my smart phone. The ability to be constantly connected to my friends, take care of e-mails in between other tasks, or check the news from anywhere is an incredible convenience. It’s also … Read more

Personal finance

It’s never too early

We recently asked college students for their thoughts about retirement—when they want to retire, when they’ll start saving, and what they hope to do once they’re retired. Here’s what they told us.… 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.

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