15 November 2018
  • Featured Posts
    Financial Worries? Start Planning.
    Matthew Barrovecchio

    Whenwe face a problem or an uncertain future, we ponder every possible outcome inan attempt to prepare for the worst, often delaying action for fear of what’sto come. 

  • Featured Posts
    401k
    4 Steps To Prepare For A Secure Retirement
    Colleen Jaconetti
    Senior Investment Analyst of Vanguard's Investment Strategy Group
    If you work and save from age 18 to age 63, you’ll spend around 45 years preparing for a retirement that spans about half as long—just over 22 years.* Your personal circumstances will determine whether you remain in the workforce (and continue saving) longer.
    Economy
    New Fed Chair, New Challenge
    Joe Davis
    Vanguard's Chief Economist
    When Jerome Powell presides over his first Federal Open Market Committee meeting as the new Federal Reserve chairman on March 20–21, the seat will be less comfortable than it was just two months ago, when the U.S. Senate approved his nomination.
    Investments
    Bitcoin: Digital gold or fool's gold?
    Joe Davis
    Vanguard's Chief Economist
    Over the past few months, I’ve been asked this question more than any other. In 2017, Bitcoin, the world’s first cryptocurrency, rose by almost 1,200%, prompting excitement and bafflement. My answer: I’m enthusiastic about the blockchain technology that makes Bitcoin possible. In fact, Vanguard is using such technology. As for Bitcoin the currency? I see a decent probability that its price goes to zero. 
    Investments
    Health savings accounts (HSAs): The tax code’s next sleeper hit
    Andy Clarke
    Corporate Communications at Vanguard
    The tax code is a monument to complexity and tedium. Occasionally, however, a few lines of text buried deep in a subchapter can produce a sleeper hit—an account type or planning strategy that assumes an important role in our financial lives. The Health Savings Account (HSA) may be one.
    401k
    Millennials: 3 Budgeting Styles to Get Your Financial Life in Order
    Erin Lowry
    It’s a rare person who just loves a budget. I see why. The idea of setting strict boundaries on your money isn’t nearly as alluring as just spending what you want when you want. Budgeting may feel particularly painful for millennials who might already be strapped for cash and barely scraping by.
    Investments
    The 3 Types of College Savers You'll Meet
    Charu Chander Gross
    Vanguard Education Savings Group
    In this post, I describe the 3 types of college savers you’re likely to meet at day care, in the pediatrician’s waiting room, or at the trampoline park. In a perfect world, all parents are disciplined 529 savers. Realistically, we all have competing priorities and limited time and resources. Perhaps not surprisingly, just over a third of college savers fit into the disciplined-savers category. 
    401k
    Straight From Vanguard Retirees: 6 Retirement-Planning Tips
    Julie Virta
    In my last post, The coulda, shoulda, woulda behind every retirement story, I asked for comments. Who better than soon to be retirees and recent retirees to share lessons learned about preparing for retirement, right? (Exactly right.) The record setting number
    Investments
    Rates Change, But The Role Of Bonds Doesn't
    Bill McNabb
    Chairman and Chief Executive Officer of Vanguard
    For many people, including me, falling interest rates have been the general trend in the bond market throughout our working lives. At the beginning of 1983, the year I graduated from business school, the yield of the benchmark 10-year U.S. Treasury note stood at more than 10%. It was less than 2.5% at the beginning of 2017. 
    Investments
    The Benefit Of Buying Below Sticker Price
    John Woerth
    Vanguard's Spokesperson
    Youalready know that low costs are absolutely critical to long-term investmentsuccess, which is likely one of the reasons you invest with us. You’re not onlybuying at the low-cost fund shop, you’re also being frugal with your fundselections.
    Investments
    Vanguard's Investment Tips For 2017
    Bill McNabb
    Chairman and Chief Executive Officer of Vanguard
    We’re living in unprecedented times, so we certainly can’t predict what 2017 will bring. And if you know Vanguard, you should know not to expect hot stock tips or “sure bets” from us either. But I do have four suggestions that I believe can help your clients reach their goals.
    Investments
    Thinking Short And Long On Interest Rates: What We Expect From The Fed
    Joe Davis
    Vanguard's Chief Economist
     When the Federal Reservewraps up its December meeting Wednesday, Chairwoman Janet Yellen will mostlikely announce an increase of 25 basis points (0.25 percentage point) in itstarget for the federal funds rate. The bump in the benchmark interest rate will get the headlines, but it’sjust one piece of communication in a dialogue between the Fed and the markets.        
    Investments
    The Benefits of Saying No
    Chris Tidmore
    CFA, Senior Investment Strategist, Vanguard Investment Strategy Group
    As an advisor, you likely manage your clients' investment portfolios according to your own set of investment principles. In doing so, you're bound to run into clients or prospective clients whose ideas conflict with your beliefs about investing and what's in their best interests.
    Investments
    Why We Believe In Active And Passive - No Ifs Or Buts
    Tom Rampulla
    Managing Director of the Vanguard Financial Advisor Services™ Division
    I’m always a little surprised when people talk about active and passive management as if it’s an either/or question. At Vanguard, we believe the right conjunction¹ is not or. It’s and. Both active and passive strategies have earned spots in your clients’ portfolios.