At Vanguard, we’ve always believed in candid, direct communication with investors. In fact, it’s one of our core principles. In 2009, we created the Vanguard Blog so that we could talk about what’s happening in our industry and in the economy—and hear what’s on the minds of investors like you.

We asked a group of our most experienced thinkers to share their personal and professional perspectives. Together, they have decades of experience in economic analysis, investment advice, retirement research, portfolio management, and financial journalism. They’ve written on a wide range of topics, including saving for college, retirement income options, and long-term care.

Our bloggers write from their own viewpoints, expressing opinions on topical investing matters. Blog posts are not intended to be official statements made on behalf of Vanguard.

Commenting guidelines

We welcome your feedback, but please be aware that comments will be published at Vanguard’s discretion. Don’t use this blog to submit questions about your investments or customer-service issues. Instead, contact Vanguard directly .

Some other factors to consider when commenting:

1. Personal information. Your comment will identify you by your first name and the first initial of your last name. We’ll delete your email address and any other identifying information, including details about your investments.

2. Don’t expect a reply. Our bloggers respond to reader comments occasionally and may reference comments in their own posts, but you should not expect to receive a personal response. To submit questions or comments about your Vanguard investments or customer-service issues, contact Vanguard directly.

3. Don’t give investment advice. We’re not able to publish comments containing specific investment or financial advice. While offering general rules of thumb is OK, recommending specific investments is not.

4. Keep it relevant. Comments should be “on topic” and relate directly to the post.

5. Be respectful. We don’t mind disagreement and constructive criticism, but please refrain from personal attacks on our bloggers (or on other commenters). We also ask that you avoid the use of profane or offensive language (including the use of punctuation marks to replace letters).

6. The fine print: Opinions expressed in readers’ blog comments are those of the readers submitting the comments and don’t necessarily represent the views of Vanguard or its management.