Tag Archives: Investing

Dividend-paying stocks are not bonds

A popular question from my friends is “Where do I go for income in this low-yield environment?” There isn’t an easy answer.

Here’s why: Yields on money market funds are near 0%, and long-term Treasury bond funds are yielding below … Read more

Tips for avoiding e-mail scams

Nowadays, e-mail inboxes are routinely flooded with scams—from missing pet and child notices, to official-looking IRS refund communications, to the infamous Nigerian money solicitations. Social media has opened up private lives to public viewing and also significantly aided identity thieves. … Read more

Stopping the silent killer of returns

There continues to be a lot of focus on the consequences of today’s low-rate environment. In such an environment, one of the most important things an investor can do is economize on the cost of the financial services they’re buying … Read more

Give “thoughtomation” a try

Yesterday, I pulled up to an automated teller machine (ATM) in my automatic-transmission car, opened my automatic car windows, and withdrew cash that had been automatically deposited in my bank account on payday. I then used some of the cash … Read more

Maybe a lost decade for stocks, but not for investors

In the past, I have expressed frustration with the financial press’s coverage of investment topics (Clearing the air on target date performance), and I’ve also blogged about how I feel investors are best served by ignoring financial pundits (Listening Read more

Retirement and the market sell-off

When the stock market sells off, as it did in late July and early August, there is an inevitable surge in commentary on the riskiness of U.S. retirement accounts. The main worry is that retirement investors are taking on too … Read more

Our own devices

I have to admit, I can’t live without my smart phone. The ability to be constantly connected to my friends, take care of e-mails in between other tasks, or check the news from anywhere is an incredible convenience. It’s also … Read more

Market volatility and the "Rebalancing Frown"

Given all the market volatility, a lot of folks are wondering about whether now might be the right time to rebalance their portfolio.

Vanguard researchers present an in-depth discussion of rebalancing in this paper. This analysis emphasizes that historically, … Read more

98% stayed the course

I read the headlines, same as you. Investors are panicking. During the drive in to work today, I listened to a radio business show. A correspondent talked about the flood of selling and the deep sense of fear in financial … Read more

Sometimes, standing still takes the most courage

Investors have every right to feel anxious about the markets.

First, we had the endless drama and squabbling over the federal debt ceiling. An agreement was reached, but before we could take a collective sigh of relief, the equity markets … 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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