Steve Holman

Steve Holman

Steve Holman is a principal in Vanguard's Retail Investor Group. As a client executive in our Flagship department, he is responsible for oversight of several high-net-worth client service teams. Mr. Holman joined Vanguard in 2004 as an analyst in corporate strategy. He has also worked in various departments in Vanguard’s retail business. Mr. Holman earned a B.A. in English from Georgetown University and an M.B.A. in finance from The Wharton School at the University of Pennsylvania.

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Vanguard ETF Shares are not redeemable with the issuing Fund other than in very large aggregations worth millions of dollars. Instead, investors must buy and sell Vanguard ETF Shares in the secondary market and hold those shares in a brokerage account. 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.

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