Successful investing amid challenging conditions requires perspective. Find some in our market volatility hub.
The Vanguard investment story: A long-term focus. Discipline. Strong results.
Perspectives and news
Vanguard’s initial commitment under the Net Zero Asset Managers initiative
Vanguard has an important role to play to safeguard investors from material financial risks, including climate risk, and to mitigate potential harm to long-term shareholder value.
Investing in a high-inflation world
Learn about Vanguard’s investment philosophy and disciplined approach in a volatile market environment.
How to estimate the net cost of college (even when it’s a long way off)
For many, the sticker price and net cost of college are vastly different numbers. What might your net cost be?
The early bird gets the advantage, and other tips for college savings
College planning isn’t often top of mind when baby makes three, but perhaps it should be.
Research spotlight
Portfolio considerations
How Investors Use Passive for Active
New Vanguard research indicates that investors are frequently using non-total market index funds to build portfolios with active exposures, according to “How investors use passive for active,” a paper authored by Vanguard’s Jan-Carl Plagge, Haifeng Wang, and Jim Rowley. The paper was published in The Journal of Beta Investment Strategies.
Not all fixed income is created equal: The role of fixed income sectors in liability-driven investing
Vanguard believes private corporate pension plans should consider a liability-driven investing (LDI) program in the fixed income portion of their portfolio. Based on our analysis, a customized mix of U.S. investment-grade credit bonds and Treasuries aligns well with that liability. Such a mix has historically helped plan sponsors mitigate risk.
Financial Planning Perspectives—A "BETR" Approach to Roth conversions
Investors typically decide whether to convert to a Roth IRA from a traditional IRA by comparing their current and expected future marginal tax rates. The traditional wisdom has been that higher future tax rates make conversion more desirable and lower ones make it less so. Vanguard researchers describe a break-even tax rate (BETR) that yields a more accurate view of what future tax rate would make an investor indifferent to a conversion.
A systematic approach to constructing high-income portfolios
Retirees often eschew investing for total returns, relying instead on dividends and interest from high-income-producing assets to support spending from ad hoc portfolios. We introduce a method for building high-income portfolios that maximize the investor’s utility of wealth based on total returns while accounting for yield preferences.
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