Karin Risi

Karin Risi

Karin Risi leads Vanguard’s Advice Services group, which provides financial planning and investment advice to retail and institutional clients. Since joining Vanguard in 1997, Karin has held various leadership roles within the company’s Corporate, Institutional, and Retail divisions. Karin joined Vanguard as an investment analyst in the Portfolio Review department and later moved to Corporate Strategy. Karin also worked closely with institutional clients in Vanguard's Financial Advisor Services and Institutional Asset Management divisions. More recently, she began working with Vanguard's retail investors, first as a leader in the Flagship Services group and now as the head of Advice Services. Prior to joining Vanguard, she was an investor relations analyst with Sunoco, Inc. Karin holds a B.S. and M.B.A. from Villanova University.

Recent blog posts by Karin Risi

Personal finance

More portfolio pitfalls to avoid

In a prior post, I covered three common portfolio errors that might derail you from achieving your financial goals. The first was arguably the most common: innocently neglecting your portfolio to later find that your holdings are no longer … Read more

Personal finance

Investment mistakes your neighbors won’t tell you about

People don’t often share their investment mistakes. Can you recall the last time a friend or colleague mentioned how inept they are at managing their investments? First, most polite people have been raised not to openly discuss their finances. Second, … Read more

Personal finance

Are you financially prepared for a medical crisis?

At 39 years old, I was unprepared for breast cancer. With no family history of the disease, I had my first mammogram about a year ago. Two days later, I received a call suggesting that I return to the office … Read more

Investing

Deciding what’s important amid competing priorities

About a year ago, I wrote my first Vanguard Blog post to commemorate 529 College Savings Day. In that post I encouraged investors to start saving for college as early as possible. I also asked them to pay attention to … Read more

Investing

Gen Y: plenty of time to invest, but little appetite for risk

Along with about 50 million others, I’m a product of Generation X. I had a Dorothy Hamill haircut, spent my weekends at the roller-skating rink, and grew up watching Madonna on MTV (back when she was more controversial and they … Read more

Personal finance

Making investing more approachable for women

I recently attended the Pennsylvania Conference for Women with a group of Vanguard colleagues. The conference featured an impressive array of speakers who focused on a broad range of personal and professional development topics for women. Sessions were offered on … Read more

Personal finance

I’ve loved you for years … now let’s talk money (again)

We received a strong response to my post “I love you…now let’s talk money,” which primarily focused on newer couples approaching the topic of shared finances for the first time. I was struck by the number of candid comments from … Read more

Investing

Sometimes, standing still takes the most courage

Investors have every right to feel anxious about the markets.

First, we had the endless drama and squabbling over the federal debt ceiling. An agreement was reached, but before we could take a collective sigh of relief, the equity markets … Read more

Personal finance

I love you … now let’s talk money

In a recent Wall Street Journal article titled “Financial mistakes newlyweds make,”* the author and several financial advisors urge couples to have the “money talk” before walking down the aisle.

The article provides several practical tips for opening the dialogue … Read more

Personal finance

529s: College saving made simple

I recently overheard a remarkably in-depth discussion between two moms who were debating the features of several fairly expensive baby strollers. As the mom of two children, a toddler and an infant, I’ll sheepishly admit that I spent a ridiculous … Read more

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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