Economy & markets

Look beyond the fiscal cliff

The nation’s near-term focus is on the “fiscal cliff,” the slate of expiring tax cuts and automatic spending reductions that will be triggered at the end of 2012 if leaders in Washington fail to reach a budget agreement. The debate … Read more

Investing

Earning income in a low-yield environment

I participated in a live webcast recently on the topic of earning income in a low-yield environment. Here’s a recap of a few of the themes from that session.

One of the persistent questions from the seminar was how long … Read more

Personal finance

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

Investing

Oh how you’ve grown, little website

I would call myself a “pack rat,” except the comparison might offend pack rats. For the most part, it’s not a good thing to have such a messy office. But on occasion I unearth something interesting. Like this screenshot of … Read more

Economy & markets

Put your tie-dye away: It’s not the ’70s

Any long-term investor knows that inflation is the enemy. A spike in inflation can drastically reduce your real investment returns, particularly for fixed income securities. At present, yields on many Treasury Inflation-Protected Securities (TIPS) are negative, a clear reflection of … Read more

Investing

A record no one wants to see broken

Records are made to be broken, or so goes an old saying.

One record that I hope stands forever was set 25 years ago. The U.S. stock market dropped almost 23% in a single day—October 19, 1987.

The Dow Jones … Read more

Investing

What’s your “blueprint” for investing?

I remember one of my colleagues observed that many investors don’t really have portfolios—they have “collections” of securities. He meant that their accounts had been assembled piecemeal over time, with a brother-in-law’s recommendation here and a newsletter recommendation there. In … Read more

Retirement

Health and wealth in retirement

If I were asked what an investor should do to maximize retirement wealth, I’d tick off my standard list, my rules of thumb. Start saving early—and regularly. Keep debt under control. Maximize the use of tax-deferred retirement accounts, like 401(k)s. … Read more

Retirement

Maximizing retirement account balances

I was just reading a blog that reported the typical pre-retiree had $42,000 in a 401(k) account as of 2010. Yet, I happen to know the actual figure is more like $100,000. These two numbers reveal how much confusion can … 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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