Personal finance

Insights and tips for building your savings.

To Roth or not to Roth for college savings?

I often get the question “Can I use a Roth IRA to invest for college?”  While the answer is “yes,” the real question is whether you should. The comparison is typically drawn between 529 college savings plans and a Roth … Read more

Recent Posts

Musings of a pack rat

I am a pack rat.

A long habit of cutting articles from newspapers and magazines has left me with several boxes of clippings, only some of which have been sorted into files. On a clean-up crusade, I’ve spent more than … Read more

The art of the perfect password

Anytime I forget something, I rationalize that what I’m really doing is clearing out space to allow new information to be stored in my brain. It’s a bit like cleaning off my desk or deleting cookies from my computer.… Read more

The culture of saving

Are Americans becoming more thrifty? Personal savings rates are up, the government statistics tell us. This fact has engendered a wide-ranging debate. Is this just a short-term deviation from America’s obsession with spending, or is it a permanent change?

I … Read more

Is your financial advisor worth it?

If you rely on a financial advisory firm to manage your assets, how do you know if you’re getting what you pay for?

We think the answer to this question comes down to several specific points, one of which (an … Read more

Your comments, please

From the day we launched this blog in March, we’ve received plenty of feedback on our policy of not publishing readers’ comments.

Most of you, it’s fair to say, wished we would change the policy. Well, I’ve got some news … Read more

“Generation D” redux

Thank you for all of your comments on my “Generation D” blog post. We heard from students, recent grads, parents, and investors. Your comments were insightful and passionate, and pointed to several major themes.

Some of you admitted to, or … Read more

Don’t fool yourself about volatility

My wife and kids are off visiting our relatives in Tokyo, and so I’m at home alone for the next couple weeks, reliving my bachelor days for a little while. Plenty of cold pizza for breakfast!

In place of the … Read more

Questioning a financial rule of thumb

The idea that you should have a cash reserve equal to three to six months of your living expenses would almost certainly make any “Ten Commandments” list for personal finance.

It might also be one of the least obeyed commandments, … Read more

Generation D (for debt)

Graduation season is upon us. Many of us have children, grandchildren, or acquaintances sailing out of school … and hitting pretty rough seas in the job market.

I had planned to speak to my sons about investing once they graduate. … Read more

The experts (you!) weigh in on saving strategies

In an earlier post, I asked readers to share techniques that have helped them to save. After all, spending less than you earn is the essential first step in investing. Vanguard shareholders tend to be people who’ve long made … 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.

Vanguard Marketing Corporation, Distributor

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