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

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

Is your mobile device a criminal’s best friend?

Many of us, if not most of us, are managing our social connections—and increasingly our financial lives—on mobile devices. No longer tethered to the desktop or that pesky laptop, we pay bills, make deposits, and access accounts and balances from … Read more

Our financial literacy partnership

I recently wrote about the connection among Mother’s Day, Teacher Appreciation Week, and how my mother “taught” me to become financially literate. In this post I’d like to acknowledge teachers—and the role they can play in teaching financial literacy—more directly.… Read more

My first personal finance teacher

The timing of Teacher Appreciation Week (May 7–11) and Mother’s Day (May 13) got me to thinking about what my mom taught me about finance. While mothers may not be teachers in the official sense, they play an important role … Read more

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

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. … Read more

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

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 … Read more

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

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

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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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