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

Investing

You’re right: For young savers, debt does matter

In several of my previous posts, I’ve touched on the importance of starting to save early. It’s a pretty easy case to make—having the benefit of a long time horizon can make a substantial difference in what you can amass … Read more

Personal finance

Off to college: Have you had “the talk”?

Back-to-school commercials have quickly replaced those featuring summer getaways. For those about to head off to college for the first time, returning to school is taking on an entirely new dimension.… Read more

Retirement

Too gloomy a view

Retirement systems are dynamic and can be expected to change over time. But one hindrance to thinking about change is the common practice of promoting excessively gloomy views of retirement outcomes in the United States. For example, a recent New Read more

Investing

When to look beyond your “back yard”

I try to shop locally because I think it’s important to support neighborhood businesses. I also cheer for local teams such as the Eagles and Phillies, as long as they aren’t impacting my childhood loyalties to the Boston Red Sox … Read more

Investing

What target-date funds can’t do

Well, perusing recent press, it’s clear that target-date funds continue to be one of the financial media’s favorite targets for generalized scorn. Still, I suppose to some extent, you know you’ve arrived when even Jim Cramer is beating up on … Read more

Economy & markets

The outlook for bonds: Are the good times about to end?

U.S. interest rates today are clearly low and below historical long-term averages. Recalling the double-digit rates of the 1970s and early 1980s, I still find it somewhat astonishing that the yields on a broadly diversified basket of high-quality bonds (whether … 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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