Tag Archives: Investing

My first personal finance teacher

The timing of Teacher Appreciation Week (May 7–11) and Mother’s Day (May 13) got me to thinking about what my mom taught me about finance. While mothers may not be teachers in the official sense, they play an important role … Read more

Why investors should ignore the Fed

On December 16, 2008, the Federal Reserve cut its target for the shortest-term interest rate to nearly 0%. The Fed’s bold policy action was one of many aggressive steps taken to stabilize global financial markets and a U.S. economy that … Read more

Investment costs hit retirees with double whammy

A while back, I wrote about how people often miss the impact of investment costs on wealth accumulation. Today, I want to make sure readers know that it’s as critical for retirees (people spending money) to think about how costs … Read more

A crisis of confidence?

The latest figures are out from the Employee Benefit Research Institute (EBRI) in Washington, D.C. Unsurprisingly, “retirement confidence” remains down from its peak in 2007, and is at levels similar to what we saw during the Great Recession.

What’s going … Read more

TVs and mutual funds: Do you get what you pay for?

Two years ago, my husband and I bought a TV. He wanted the super-duper one. I wanted a good deal. We went with the good deal.

Fast-forward two years, and the TV we got only turns on and off when … Read more

A sign of slumbering—or of hope?

A Wall Street Journal report, published on February 21, notes that small-capitalization stock prices, as measured by the Russell 2000 Index, are nearing an all-time high. But investors aren’t pouring money into small-cap stocks.

The story, “Small-cap rise is big … Read more

Retirement ready—or not?

A new report just came out on the retirement prospects for baby boomers.* Its top-line result was that 40% of all boomers aren’t prepared for retirement.

Whenever the topic turns to retirement in America, the language is fairly dismal. Last … Read more

Avoiding risk? You might not be

I don’t consider myself a risk-taker. I change the batteries in my smoke detectors, double check that my doors are locked, and always wear my seat belt. I can absolutely relate to the fear that many young people have when … Read more

A gem of wisdom

In the investment world, you occasionally come across a simple yet striking observation. Here’s an example from a recent client letter of Howard Marks, chairman of Oaktree Capital Management, L.P., and one of Vanguard’s external investment advisors:… Read more

Starting 2012 on the right foot

It’s a new year, so here are a few investment and retirement thoughts that come to mind for 2012.

When it comes to investing, Theme #1 among investors, especially among the majority of the retired or conservative crowd, continues to … 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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