Personal Finance

What two subway tokens taught me about Vanguard

March 13, 2014 |

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? …

investing

Lessons from 2013

Many people spend the final days of each December reminiscing about the year gone by. At this time, it’s not uncommon for individuals to draw “lessons learned” from both the good and bad moments, and to make resolutions for the …

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investing

The real lesson from failed forecasts

Every year about this time, I bask in the warm glow of schadenfreude as I read stories such as the Wall Street Journal’s “Why market forecasts are so bad.” (Subscription required.)

“On average, the analysts thought the …

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10 Comments
personal finance

Financial resolutions for the new year

Like millions of Americans, I make a list of New Year’s resolutions each year that, come March, are all but out the window. This year, it’s going to be different. I’ve already hopped on the treadmill and made some progress …

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retirement

Debt and retirement

This may seem like an obvious point, but successfully planning for retirement has always required managing two sides of the household balance sheet: building savings and managing debt.

Two recent reports highlight how the debt side of the retirement balance …

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24 Comments
investing

Our new fund offering: What it is and what it isn’t

Financial services firms frequently develop new investment strategies and bring them to market. The latest financial inventions include alternative indexing, fundamental indexing, and smart beta, to name a few. Many sponsors of funds and ETFs based on these strategies make …

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20 Comments
economy

A look back before looking ahead

I learned early in my life that humility is an important virtue regardless of the endeavor. Receiving the occasional B when I had expected an A or enduring a loss when my team was a heavy favorite taught me that …

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2 Comments
investing

Municipal debt, Detroit, and diversification

There’s no question that the municipal bond market has been on a roller coaster this year. In July, news of Detroit filing for the largest municipal bankruptcy in history roiled the markets, seeing investors sell municipal bonds and yields on …

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3 Comments
personal finance

Shopping lessons

When I was growing up, the shopping authority in my family was Consumer Reports. As we shopped for cars, washing machines, or cassette players with Dolby stereo, we’d wield the magazine like a talisman to protect us from lemons.…

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investing

A five-tool fund

It’s hot stove season and time to talk about the baseball season gone by and the promise for our favorite teams in 2014 and beyond. It was an exciting year—tight wild-card races, a play-in game, a back-and-forth World Series, as …

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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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