Tag Archives: asset allocation

Saving vs. investing: Is there a difference?

Saving. Investing. It’s all the same, right?

Not necessarily.

When Vanguard clients come to me for financial advice, they often use the terms “saving” and “investing” interchangeably. Most of the time, they refer to longer-term goals—“I’m saving for my son’s … Read more

“The Search for Yield” trilogy

I am a fan of movie trilogies, and my favorites include those that involve Luke Skywalker and Jason Bourne. Trilogies interest me because, while they consist of separate movies, they still share an overarching story line. That’s not dissimilar from … Read more

The twilight of the investment nerd

A few weeks ago, our blog editor suggested an idea for my next post: “How about, ‘Why I’m proud to be an investment nerd’?”

I closed my eyes, counted to ten. Once the rage had subsided, I said, as calmly … Read more

The “MythBusters” approach to indexing: Inefficient markets

MythBusters is one of those cable shows that I find myself gravitating toward whenever I’m channel surfing. It’s just one of those shows that I find wildly entertaining. I know, I know . . . nerd alert! But that’s what … Read more

Are women and men really different when it comes to retirement-plan savings?

Gender financial stereotypes abound. Women are risk-averse—to their detriment! Overconfident men trade more—to their detriment!

We’ve tracked the retirement savings behavior of Vanguard participants since 2000 and have seen consistent trends over this time period. In The gendernomics of retirement Read more

Rebalaphobia

Depending on your age, Halloween conjures many images—some sweet, some scary. My girls are young and seem to experience both extremes: They love the treats but could do without some of the scarier imagery. As adults and investors, we’re not … Read more

October: Time for a portfolio gut check

“OCTOBER: This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June, December, August, and February.”

So said Mark Twain, and he was as accurate as he was … Read more

Cash: What is it good for?

We in Vanguard Investment Strategy Group read. A lot. So it was with great interest that I came across a recent article on Bloomberg about the earnings report from Warren Buffett’s company, Berkshire Hathaway.¹ The article said that cash holdings … Read more

A GPS update for your portfolio

Recently I went through the process of purchasing a map update for my GPS (yes, I realize there are phone apps that provide GPS directions … a discussion of my technology choices is not the focus of this particular blog!). … Read more

Mistakes? I’ve made a few

Prior to joining Vanguard in 1986, I was a saver. All of my money, modest in amount, was in bank savings and checking accounts.

Naturally, after coming aboard HMS Vanguard, I learned more about financial markets, asset classes, … Read more

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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