Craig Stock

Craig Stock

In 2015, Craig retired from Vanguard, where he served as head of Vanguard Corporate Communications. Before joining Vanguard in 1995, Craig spent two decades in journalism. He reported on business and the economy, served as a business editor, and wrote a column on personal finance at “The Philadelphia Inquirer.” Craig has a bachelor’s degree from the University of Kansas and was a Sloan Fellow in Economic Journalism at Princeton University's Woodrow Wilson School. He’s also the author of “Investing During Retirement,” published in 1997.

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Vanguard ETF Shares are not redeemable with the issuing Fund other than in very large aggregations worth millions of dollars. Instead, investors must buy and sell Vanguard ETF Shares in the secondary market and hold those shares in a brokerage account. 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.

All investing is subject to risk, including possible loss of principal.

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