Personal finance

Insights and tips for building your savings.

What two subway tokens taught me about Vanguard

Early in my Vanguard career, I accompanied Vanguard founder Jack Bogle to a meeting in New York City. I’d never traveled anywhere with the founder of a multi-billion-dollar anything before. Would we chopper up to the East 34th Street Heliport? … Read more

Recent Posts

Happy graduation! Your gift is a Roth IRA

Graduation season is upon us, and you, like me, may be pondering what to get our loved ones. Thinking back, I remember four letters that meant a lot to me when I was graduating: C-A-S-H! But that’s too boring. This … Read more

Me against myself

In sixth grade, I’d take my allowance to Phil’s Pizza, exchange the bills for quarters, and feed a week’s worth of funds into the Pac-Man machine. Within 15 minutes, I was broke. To behavioral economists, I was a case study … Read more

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

Meet up with your prospect(us) this Valentine’s Day

Just as getting to know someone is important before committing to a long-term relationship, getting to know your investments is equally important. Fortunately, for mutual fund investors, your fund comes with a prospectus.

Yes, a prospectus can sometimes be a … Read more

Vanguarding in the library

I started Vanguarding in 1997. Since then, I’ve developed better financial behaviors. I pay myself first, automatically directing cash from my paycheck to investment accounts before it can burn a hole in my pocket. I diversify widely, limiting my exposure … Read more

What type of investor are you?

We’ve all come across the magazine and web quizzes. Answer five questions and you can find out what kind of exerciser, dieter, or driver you are.

I thought I’d have a little fun and apply this exercise to investors. I’ll … Read more

Practicing what we preach

Anybody can give good advice. But taking the advice we give to others? That’s sometimes easier said than done.

For example, I could probably write the definitive guide to diet and exercise. It would be informative and inspiring, full of … Read more

Give me the simple life

A colleague sent me a link to “The Juggle,” a Wall Street Journal blog that explores “the choices and trade-offs people make as they juggle work and family.”

The topic was financial planning for “people too busy to plan,” and … Read more

Off to college: Have you had “the talk”?

Back-to-school commercials have quickly replaced those featuring summer getaways. For those about to head off to college for the first time, returning to school is taking on an entirely new dimension.… Read more

Building new habits on top of old ones

I’m not one to pore over the newest self-help book. After reading All I Really Need To Know I Learned In Kindergarten, I figured everything that could and should be said had been. But I do fervently believe that … 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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