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

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 … Read more

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 … Read more

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.… Read more

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

For those wearing caps and gowns …

My brother-in-law will be graduating from college in a few days, and that has me thinking back to when I started my career a few years ago.

As I set out on my own, I had many questions about finances: … Read more

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. … Read more

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 … Read more

Resolved …

I’m pretty sure that I resolved several years ago to stop making New Year’s resolutions. My track record at sticking to resolutions was abysmal.

Actually, I’ve done pretty well at hitting savings goals over the years, because I don’t rely … Read more

Where do charitable donations fit in your budget?

The economic slump we’re crawling out of has done big damage all over the place: to employment, home values, businesses, and, of course, investment portfolios.

Put charities on the casualty list, too. Charitable organizations have been hit in multiple ways. … Read more

The Sandwich Generation

Coming back from lunch in our cafeteria (in keeping with Vanguard’s nautical theme, we call it the Galley), I ran into a co-worker (crew member) I’ve known since I joined Vanguard 14 years ago.

After exchanging quick updates on work … 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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