Tag Archives: financial goals

Sprechen Sie savings?

The United States tries to help people save for retirement. We have tax incentives. We have private-sector innovations such as workplace retirement plans that automatically enroll us and increase our savings rates over time.

Even so, we’re probably not saving … Read more

Vanguard at 40: Perspective, principles, and practicalities

Ten years ago on May 1, 1975“May Day”The Vanguard Group of Investment Companies commenced operations. Surely Vanguard, a decade ago, was a new beginning in every sense of the phrase. Our challenge was to build … Read more

Practical tips for raising money-smart kids

As I’ve revealed in a past blog, I’m an inveterate reader—from newspaper and magazine articles to blogs and books. Recently and quite serendipitously, I’ve come across a number of stories on kids and money, and as a father of … Read more

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

Blast from the past: A look back at our 2014 predictions

Being comfortable with uncertainty, being prepared, and not being overconfident are essential life skills.

It is no coincidence that these skills serve as strong investment principles and help us look at the markets and economy with a healthy dose of … Read more

The key to happiness

Every December, my department holds a white elephant gift exchange. We place wrapped gifts on a table and take a number. When our number is called, we can select a gift or “steal” a gift that someone else has already … Read more

Killer bees and high-cost funds

In the 1970s, nothing was scarier than walking around New York City. You know, all those alligators in the sewer.

And if a murderous reptile didn’t attack you from an open manhole, you had to worry about the killer bees … 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

My one piece of investing advice

In the early 1990s, I studied for the Chartered Financial Analyst® (CFA®) exams. From March to June, I’d lock the television in the closet and spend my evenings with some of the driest reading material ever committed to the page.… Read more

More portfolio pitfalls to avoid

In a prior post, I covered three common portfolio errors that might derail you from achieving your financial goals. The first was arguably the most common: innocently neglecting your portfolio to later find that your holdings are no longer … 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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