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? …

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Recent Posts

Tips for avoiding e-mail scams

Nowadays, e-mail inboxes are routinely flooded with scams—from missing pet and child notices, to official-looking IRS refund communications, to the infamous Nigerian money solicitations. Social media has opened up private lives to public viewing and also significantly aided identity thieves. …

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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 …

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Aging and financial decisions

Global aging is a familiar idea. Not only are populations in the advanced economies aging rapidly, but so are those in emerging countries. For investors, the aging trend poses a number of broad, sometimes philosophical questions—the sustainability of public benefit …

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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 …

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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 …

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Why you need an emotional insurance policy

Many of us do a pretty good job of getting insurance on all the usual suspects: homes, health, cars, life. But I recently came to think about another kind of insurance—what we should do to help our loved ones prepare …

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Greed doesn’t take a holiday

I was having lunch the other day with a retired colleague and friend. We catch up periodically, filling each other in on our children’s activities and our lives. This time, he really wanted to spend some talking about the retirement …

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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.…

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What to do with “phishy” e-mail

Many of us—myself included—recently received alerts from banks and major retailers notifying us that our names and e-mail addresses had been “hacked” as a result of an attack on a third-party service used by these businesses to handle e-mail distribution. …

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Give yourself credit (reports)

This time of year we are flooded with reminders, checklists, and predictions. Many are useful, but some are merely entertaining.

While there are many items related to your financial health that deserve attention at the beginning of the year, this …

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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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