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Vanguard offers investors a powerful combination of high-quality investments at a very low cost which drives our funds’ competitive long-term performance. Investors enjoy a number of key benefits when investing with Vanguard.

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Successful investment management companies base their business on a core investment philosophy, and Vanguard is no different. Although we offer many specific strategies, an overarching theme runs through the investment guidance we provide to clients—focus on those things within your control.

Instead, too many focus on the markets, the economy, manager ratings, or the performance of an individual security or strategy, overlooking the fundamental principles that we believe can give them the best chance of success.

These principles have been intrinsic to our company since its inception, and they are embedded in its culture. For Vanguard, they represent both the past and the future—enduring principles that guide the investment decisions we help our clients make.

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This video explores Vanguard's four principles and how you can use them with your clients to help them meet their investment goals.

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Demonstrating the savings made when invested with Vanguard’s low cost funds in comparison to industry average cost funds

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Managed funds provide a cost-effective way for investors, large and small, to access a diversified mix of professionally managed investments. Typically, your money is pooled with other investors so you can invest in assets which might be too difficult or expensive to invest in directly.

This Plain Talk® Guide introduces the concept of managed funds, describes how they are managed, the types of funds available and their benefits and costs. It aims to improve your knowledge and understanding of managed funds and help you make more informed investment choices.

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Why invest in a Managed fund? There are many reasons why you’d choose a managed fund for your investment portfolio. Firstly, you save time by leaving the decision-making to the professionals. Secondly, your money is pooled with others’, so you gain access to more assets than you can on your own. This helps diversify your investments so not all your eggs are in one basket.

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Before deciding to invest using exchange-traded funds make sure you understand their features as well as their risks. ETFs are pooled investments that trade on an exchange throughout the day. They either track a stock or bond index or execute an active strategy by a fund manager. Watch this video to learn more about the features and risks of ETFs.

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As with managed funds, exchange-traded funds are available in many different investment styles. An ETF can be actively managed or it can track an index. Learn about the many different types of ETFs in this short video.

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Exchange traded funds, or ETFS, are attracting increasing attention from investors, with a growing range of products available. So it’s no wonder that ETFs have become the talk of Australian watercoolers and BBQs. Traditionally, ETFs have used an indexing approach where the ETF is made up of holdings in different companies that when combined together replicate an index like the ASX 300 or the S&P 500.

Like a traditional index managed fund, an ETF’s return should closely match the benchmark it tracks. But unlike a traditional managed fund ETFs are traded daily on the stock exchange. So these types of ETF combine the benefits of index funds – diversification, low fees, and low portfolio turnover – with the benefits of individual shares traded on an exchange – continuous pricing and trading flexibility.

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It's often said that ETFs – or exchange traded funds – look like managed funds, but trade like shares. But what does that mean? To learn the differences between ETFs and traditional managed funds, watch this short video.

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When you’re investing it’s important to focus on factors within your control. You can’t control the ups and downs of investment markets. But you can control how you invest your money. You should start by developing an investment plan to give yourself the best chance of success.

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Retirement is so much more than it used to be. In previous generations, retirement was shorter and expectations more modest. Now we’re enjoying longer and more active retirements than ever before. We’re doing more, seeing more and travelling more. So it’s worth thinking about the standard of living you expect in retirement. You’ll need to cover the essentials. And then there are all those extras for the lifestyle you’d like to have. Without a pay cheque coming in, you may need your savings to do more heavy lifting to enjoy the kind of retirement you deserve.

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Bonds play an important role in any investment portfolio, helping to reduce volatility and spread risks. A type of fixed interest security, bonds operate like a loan. You lend money to a government, company or other organisation in exchange for regular interest payments. In addition to this reliable stream of income, your original investment is paid back in full at the end of the bond’s term, which can typically be anywhere from one to 30 years.

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Self-managed super funds or SMSFs are popular for many reasons. As their name suggests, they put you in control of managing your super. You make all the important decisions. You can tailor your investments to your needs and have greater control over the fees.

SMSFs allow you to invest in a wide range of assets – including property and collectibles, which cannot be held in other types of superannuation. But you will need the skills, knowledge and time to look after your SMSF properly.

 

You must be willing to take on the obligations of being an SMSF trustee. This includes meeting all compliance requirements, understanding the governing rules and keeping up with legislative changes. The penalties for mismanagement of a fund or non-compliance are high. SMSFs can also be costly to set-up. There are annual compliance costs, such as accounting fees (typically around $2,000) and supervisory levies. And, you may also have to pay for advice or fund managers fees. No wonder some experts believe you should have a super balance of at least $200,000 before you start. With all this in mind, perhaps it’s best to seek professional advice to determine whether an SMSF is right for you. Whatever mix of investment styles suits your needs, when you invest with Vanguard you have more than 40 years of investing experience behind you. So you can feel confident that Vanguard investments are built on a rigorous investment philosophy that stands the test of time.

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Self-managed superannuation funds (SMSFs) are increasingly popular with Australians who are choosing to manage their own retirement savings. This Plain Talk® guide explains the pros and cons of SMSFs, how to go about setting up your own fund and the potential traps you need to watch out for.

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When you invest in equities, also called stocks or shares, you’re buying a stake in a listed company and become a shareholder. Your returns will be generated by gains in the company’s share price and dividends paid from its profits. Shares are considered riskier investments than defensive assets like cash or bonds. You could lose money if the share price falls or the company fails or performs poorly. Individual share prices can also fluctuate dramatically over different time periods. Yet, history shows that you are likely to do better by patiently investing in shares over the longer term than by putting your money in defensive assets – especially if you hold a diversified range of quality shares across different industries and countries.

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When it comes to investing it can be difficult to keep on outperforming year after year, even for experienced fund managers. Instead of trying to beat the market, index fund managers take a different approach. They track the market by investing in all or a sample of the index—a group of securities representing a broad investment market. Index fund managers buy securities in the same weight as the index. By closely tracking market returns, indexing offers investors a number of potential benefits. You can easily diversify your portfolio across industries, asset classes and securities, in Australia and overseas.

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When you’re building your investment portfolio, it’s important to find the right balance between your daily spending needs and long-term capital growth. A good starting place is to work out your financial goals, which can be heavily influenced by your life stage.

When you’re building your career and family, you may be able to take a longer-term perspective as spending from your portfolio is not yet a priority.

But when you’re nearing retirement or already retired, the balance might shift in favour of generating a regular and stable income stream while maintaining some growth to last the distance.

This Plain Talk®Guide explains the financial challenges you’ll face in retirement and outlines some of the ways you can structure your investment portfolio to make the most of your retirement income with the help of a professional financial adviser.

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One thing we know is that you can’t control investment markets.Volatility is part of investing. What you can control is your investment strategy—having the framework in place to give you the best chance of meeting your goals and objectives and aligning investments to your risk profile.

Whether you’re investing directly or using a financial adviser, you need to be aware of some important considerations. This Plain Talk® guide walks you through the process of building an investment portfolio from the ground up, covering asset allocation, implementation, rebalancing and reviewing your investment strategy.

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When you invest in equities—also known as stocks, shares or securities—you’re typically buying an ownership stake in a listed company. This means you become a shareholder and have claim to the company’s assets and earnings. These companies can be listed on stock exchanges around the world—in developed and emerging markets.

This Plain Talk ® guide explains how equities work, how to invest in the equity market and how equities can take their place in a diversified portfolio to help build your long-term wealth.

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Investment funds can be managed in one of two ways—active or passive. Active managers aim to beat the return of a market index or benchmark, while index or passive managers aim to closely match market returns.

Indexing is a way of gaining exposure to an investment market by tracking the performance of an index. Index fund managers buy securities in the same weight that the index holds them. They aim to match an index’s return by investing in all or a representative sample of the index. For this reason, indexing can also be called a passive approach to investing. This contrasts with active fund managers who try to beat the index by predicting which investments will perform well in the future.

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Whether you’re looking to generate income, diversify your investments or reduce volatility, bonds can be a smart choice.

Bonds can play an important role in your portfolio by generating income, reducing volatility and diversifying your investments. The global bond market is much larger than the stock market and nearly every economy around the world has its own market, each with its own set of issuers, intermediaries and securities.

The bond market can be complex for individual investors to understand. This Plain Talk® guide explains clearly how bonds work, how to invest in the bond market and how bonds can play their part in a diversified portfolio to meet your financial goals.

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Buying and selling ETFs is often as simple as executing a regular share trade, but in times when you need assistance the Vanguard Trading & Support Team is here to help. This guide will provide you with a 9 step guide on how to trade Vanguard ETFs.

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Exchange traded funds, or ETFs, are attracting increasing attention from investors with a growing range of products available. In this Plain Talk Guide you will find answers to common questions about ETFs. You will also learn how ETFs and traditional managed funds compare and gain a better understanding of how ETFs could benefit your investment portfolio.

Since ETFs were first introduced in the US in 1993, they have become one of the fastest growing investment products in the world. Along with traditional managed funds, ETFs are another way investors can access Vanguard’s low-cost, high-quality approach to investing.

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Vanguard Exchange Traded Funds (ETFs) are an easy, fast and low cost sharemarket-quoted security that can help you construct a diversified and cost effective portfolio. They are one of the most popular and rapidly growing investment solutions with over 2.5 trillion dollars now invested in ETFs around the world. The Australian ETF market has also experienced strong growth in recent years.

Investors in Vanguard ETFs own a share of a portfolio of listed securities, indexed by Vanguard, which can be readily traded on a securities exchange. ETFs combine the low cost and diversification benefits of index funds with the trading flexibility of shares.

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Choose from four multi-asset, low-cost investments based on what you're looking to achieve, how long you have to invest and how much risk you're prepared to take on. Choose the structure that best suits your needs - a traditional managed fund, an index ETF or a managed account strategy.

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Vanguard’s low cost multi–sector index ETFs provide broad diversification across multiple asset classes through transparent and tax–efficient portfolios.

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With a detailed and measurable plan, you know where you’re heading. Along the way, you don’t know exactly what each day will bring. As the 2019 Vanguard Index Chart shows, investment markets fluctuate from year to year.
While you can’t control investment markets, there are things you can control when it comes to investing, such as focusing on the long term, diversifying your portfolio across asset classes, and making sure you don’t pay more than you need to invest.

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Using Vanguard Diversified Funds allows you to strengthen and diversify your portfolio at a low cost. And the straightforward nature of the funds means you can spend more time with your adviser focusing on a broader range of your advice needs beyond investment selection.

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Vanguard Diversified Managed Account Strategies allows you to strengthen and diversify your portfolio at a low cost. The straightforward nature of the strategies means you can spend more time with your adviser focusing on a broader range of your advice needs beyond investment selection.

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Investors choose active management because they want to achieve superior long-term outperformance. And, that’s not easy. Through research we know there are three critical factors required for your clients to achieve outperformance. Top talent, low cost and patience.

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We apply our investment processes to multiple strategies, including traditional alpha, factors, liquid alternatives and managed payout. While our approach is active, we embrace the same investing principles that Vanguard applies across all of its products: clear goals, broad diversification, low costs and long-term discipline.

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Our research supports something we’ve long believed: that low costs and top talent are critical factors in improving the likelihood of outperformance using active investments.

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View the Vanguard active product range - Quantitative Active - Factor Funds, Multi-Asset Funds, and Fundamental Active - Manager Select Funds. 

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Factors are the DNA of investments. They are the underlying attributes that influence how an investment behaves. By targeting these attributes, factor-based investments attempt to deliver an investment premium, such as market outperformance or reduced volatility.

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Our Vanguard active factor strategies seek to achieve specific risk and return objectives through the relevant factor exposures: low volatility and value.

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Factor products may perform differently even if they are rules-based, track an index, and have similar names that cite a particular factor. This document provides you a sample list of product related questions you should consider to help guide you through the investment selection process.

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Baillie Gifford’s long-term investment approach is employed by a deep and experienced team of investors who are willing to think differently than the market. They take advantage of the broad capabilities of research analysts and insights of the wider investment teams.

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At Vanguard, we’re reducing the cost of fundamental active management with our low-cost Manager Select Series. And, for our externally managed funds, we’ve gone one better; aligning the fee structure to the fund’s performance – both up and down!

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Vanguard’s Fixed Income Group (FIG) is one of the world’s largest providers of actively managed fixed income funds. FIG uses a collaborative, risk-aware investment process, combining a top-down macroeconomic outlook and bottom-up specialist expertise.

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Wellington describe their investment model as a ‘community of boutiques’. Each investment team has freedom of philosophy and process, while benefiting from the resources of a large, global firm.

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‘Uncertainty is the only certainty’ was a true statement for many market watchers this quarter.

Rising recession risks; Britain’s unclear path towards Brexit and ongoing US-China trade tensions – these are just a few of the economic questions investors grappled with this quarter. In a broad sense, the third quarter was a continuation of the uncertainty so much a feature of the year to date.
The lack of clear answers on broad-picture questions (Brexit, US-China trade talks, etc) drove investors to seek relative ‘safe haven’ investments like fixed income, or bonds, over the quarter. Domestically, bond markets have returned close to double-digits so far in calendar 2019 and equities have performed strongly too returning around 20 per cent in the year-to-date. The rise is partly due to investors revising down their view of long-run interest rates in the world’s major economies.

Central banks took more decisive action on interest rates this quarter, with the RBA making its third cut to the cash rate in five months. More broadly, downward revision to long-run policy rates was a feature of central bank behaviour in the world’s major economies this quarter.

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Anyone hoping for an eventful second quarter was not disappointed.

The US yield curve flirted with inversion, China economic data softened, and both the RBA and RBNZ cut cash rates. The Brexit plan became more uncertain, markets began speculating about potential ‘insurance’ rate cuts by the Federal Reserve, and trade tensions continued to simmer.

One would be forgiven for looking at the year-to-date market returns in disbelief. Even after a couple of volatile trading days, returns through 30 June for international and Australian shares were just shy of 20%. Market returns – except cash – do not appear drastically different from what they are in good economic times. 

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A carefully conceived financial plan is a must-have for every investor. It contains a wealth of information, including your short- and long-term objectives, risk aversion and anticipated savings rate. It’s the blueprint that spells out the details of your short- and long-term financial well-being.

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Short-term stock market volatility can cause us to lose perspective. In times of market volatility, you may see alarming fluctuations in your account balances, making it tempting to adjust your asset allocation in search of calmer waters.

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Many investors find it increasingly difficult to invest on their own, particularly as they amass wealth and their finances become more complex. That’s when professional financial advice can help. An experienced financial adviser provides customised portfolio management and discipline, which can better position you to reach your long-term investment objectives.

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When you talk about your money, you’re really talking about your hopes, dreams and concerns for the future. In this document there are questions to help trigger some important areas of conversation for you and your adviser.

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The theory is simple enough: The more risk you are willing to assume, the higher the expected potential return. The challenge, though, is selecting an asset allocation that will provide the returns you require to meet your long-term financial goals and sticking to the allocation through up and down markets. Working closely with your financial adviser to determine an asset allocation that’s right for you can help.

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Many people find it difficult to invest on their own, particularly as they accumulate wealth and their financial situations become more complex. That’s when professional financial advice can help. An experienced financial adviser provides customised portfolio management and discipline that can better position you to reach your long-term investment objectives.

A financial adviser will also build a relationship with you that goes beyond traditional financial planning and results in a more valuable financial life planning approach.

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With the market full of drama your clients may be feeling uncertain. Here’s how you can help. During this video we discuss what’s creating investor anxiety plus practical steps to help your clients stay focused.

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With the market full of drama your clients may be feeling uncertain. Here’s how you can help. During this video we discuss what’s creating investor anxiety plus practical steps to help your clients stay focused.

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As you progress towards life goals like buying a house, starting a family or preparing for retirement, the world of finances and investing may seem overwhelming and complicated. You want to make sure you’re structuring your finances and investments to give yourself the best chance of achieving your goals. That’s where professional financial advice can help. A financial adviser doesn’t just recommend investments or pick shares—they carefully analyse your personal circumstances before developing a financial plan and investment strategy tailored for your particular needs.

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Discover what makes Vanguard different from other investment firms.

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This guide is designed to answer many of the questions you may have about ETFs. With over 40 years of investment expertise and experience and a significant presence in global investment markets, Vanguard brings a unique background and knowledge to the ETF market in Australia. Our business is built on an unshakable belief in the value of low-cost investing and we believe ETFs are a easy way for investors to access this successful approach to investing.

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How Vanguard’s ownership structure, scale, experience and resources are helping investors. Read more.

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The four enduring principles that give investors the best chance of success. Read more.

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How a well-planned asset allocation strategy can protect you from unexpected market shocks. Read more.

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The roadmap to finding investment success is all about having a clear destination in mind. Read more.

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Why a low-cost approach will enhance your chances of achieving better returns over time. Read more.

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Why investors with long-term discipline will invariably outperform those making short-term investment decisions. Read more.

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How to use index funds as the building blocks of a successful investment portfolio. Read more.

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Having conviction that your fund has employed a talented investment manager is critical to giving you the best chance of investment success. Here are six areas to discuss with your adviser.

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Vanguard research has identified the three key factors most critical to achieving the odds of outperformance through active investing. Read about them here.

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Factors are the DNA of investments. They are the underlying attributes that influence how an investment behaves. By targeting these attributes, factor-based investments attempt to deliver an investment premium, such as market outperformance or reduced volatility.

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By deliberately focusing on factor exposures, you get a clearer view of potential premiums. Read more about why you should consider factor-based investments for your portfolio.

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If you’re investing in managed funds, it’s important to understand how fees work and the tax implications. Read on to find out more.

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Managed funds provide a cost-effective way for investors, large and small, to access a diversified mix of professionally managed investments. Read more about the basics of managed funds.

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Are you considering an investment in exchange traded funds? Read this before you add them to your portfolio.

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Once you have decided on your asset allocation, there are a number of different ways to implement it. Read on to find out more.

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One thing we know is that you can’t control investment markets. What you can control is your investment strategy. Here are the basics to get you started on the right path.

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One of the most important decisions investors make is how they divide their investment between each asset class, referred to as asset allocation. Diversifying across a range of asset classes, industries and securities reduces market risk and can improve your performance potential.

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Having a mix of investments across different asset classes such as shares, bonds, property or cash is the key achieving diversified exposure. Read more.

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Exchange traded funds, or ETFs, are attracting increasing attention from investors with a growing range of products available. Find out if they’re right for you.

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Financial markets may move on from the coronavirus before data improve, Vanguard economists Joe Davis and Roger Aliaga-Di­az say.

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Financial markets may move on from the coronavirus before data improve, Vanguard economists Joe Davis and Roger Aliaga-Di­az say.

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Vanguard Chief Executive Officer Tim Buckley shares his perspective on recent market volatility and urges investors to stay the course.

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The coronavirus has introduced new uncertainty into economies and markets. There are reasons why investors should remain disciplined.

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The coronavirus afflicting China is likely to reduce the country's 2020 economic growth by 0.5 percentage point and global growth by 0.15 percentage point, according to Vanguard economists.

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Amid the coronavirus outbreak, a little market, economic, and human perspective can go a long way.

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Vanguard leaders share their perspectives on recent market volatility and implications for the global economy.

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To help you manage through the current environment, following are some key facts and how Vanguard is viewing the markets and the economy.

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Vanguard’s CEO and CIO urge investors to think of bonds as portfolio ballast during rocky markets.

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Market volatility can lead to divergence between ETF market prices and net asset values. Our leaders explain why.

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Vanguard’s CEO and CIO discuss the protocols in place to ensure business continuity and strong service for clients.

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Extreme measures are being taken to protect us from COVID-19. But such a step necessarily involves a trade-off. Having to do so makes it unfortunately clear that a global recession is at hand.

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Current market conditions are an opportune moment to revisit some classic investing advice that holds firm even in challenging times.

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Get insights from Vanguard's CEO and Global Head of Rates about the current state of the bond markets.

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Get insigths from Vanguard's CEO and Global Head of Rates about the current state of the bond markets.

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Watch as Vanguard CIO Greg Davis and Global Chief Economist Joe Davis discuss the impact of the coronavirus on markets and the economy.

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Vanguard’s CEO and head of Portfolio Review discuss what it takes for long-term active outperformance.

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Vanguard’s Portfolio Review Department incorporates rigorous oversight measures to ensure business continuity with external investment managers.

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Illustrating the effects of Bull and Bear markets on investments for the past forty years.

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Recession looms, but equities outlook improves