Tag Archives: asset allocation

Happy anniversary!

October marks the 10th anniversary of Vanguard’s target retirement funds. What began as the next generation of balanced funds, following Wellington and the LifeStrategy Funds, has grown to represent over $200 billion of shareholder assets.

While increasingly being used as … Read more

Risky business

I first learned about risk from the collected works of Stephen King. “Risk” hid in the closet. It lurked beneath my bed. If I pulled the covers over my head and slept with a baseball bat, I could manage it.… Read more

A Philadelphia Story

On July 4, 1776, the Second Continental Congress, gathered in Philadelphia, to adopt the Declaration of Independence. Two hundred years later, some 20 miles west of Independence Hall, in a nondescript office park near Washington’s Valley Forge headquarters, John C. … Read more

Simplicity is the ultimate sophistication

If there was ever a person who appreciated the intricacy of the world around us, it would have to be Leonardo da Vinci. His fascination with complex systems from human anatomy to the mechanical world led him to some fascinating … Read more

Investment mistakes your neighbors won’t tell you about

People don’t often share their investment mistakes. Can you recall the last time a friend or colleague mentioned how inept they are at managing their investments? First, most polite people have been raised not to openly discuss their finances. Second, … Read more

A pat on the back

I believe that, as investors, we all deserve some applause. The past six years have been trying and volatile. In this very challenging environment, it hasn’t been easy to stick to your asset allocation or portfolio decisions. Vanguard has tried … Read more

The second half of retirement

I’ve been spending a great deal of time with 80- and 90-year-olds recently. My mom (now in her mid-80s) just moved to a new retirement community, and so it’s been a wonderful opportunity to observe older retirees in a personal … Read more

The adoption of a great idea

Joe Davis and Andy Clarke collaborated on this post, the result of a conversation about research that Vanguards Investment Strategy Group has conducted on the adoption and economic impact of “great ideas.”

Silence is golden

Last Christmas, I bought my son a pair of noise-canceling headphones. Now, even as I raise my voice to a shout, he can’t hear me above whatever is rattling around inside his head.

In short, he’s on his way to … Read more

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

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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