April 20, 2017

Bulls and Bonds

Tax Day has come and gone, and I hope that you were able to get your filings done on time, or took extensions to make sure your data was clean and clear. Given the disturbing round of emails I've recently received concerning mistakes in Vanguard's reports, I'm sure you were extra diligent. Read More »

April 4, 2017

Lost Decade Watch

At the start of the year, I told you that 2017’s catchphrase would be the “lost decade,” only this time it would be foreign stocks we’d be talking about. Even though non-U.S. stocks were quick out of the gate during the first quarter, the lost decade is still in play. Read More »

April 2017 PDF

Trend Turner

You'll be forgiven if you think that the trends of 2016 continued into 2017. In fact, we did some comparisons and were stunned to see how quickly so many of 2016's trends reversed as soon as the year turned. Large-caps were underperforming small-caps last year; now that's changed. U.S. stocks were outperforming foreign stocks; now they're not. Health Care was underperforming before the year turned; now it's outperforming. Incredible. But also a gentle reminder that diversification makes sense, that trends can and do shift, and that, yes, more than anything else, you need a smart investment plan and you need to stick to it. At least that's the lesson we take from this turn in the trend. Read More »

Most Recent Forum Threads
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Good News: The Social Security Trust Fund had a surplus in 2015 and probably will in 2016

jerrygg (04-24-2017) wrote: An excerpt: In fact, the Social Security trust fund generated $93 billion in interest income in 2015, the most recent year for which data is available. Social Security taxes weren't enough to cover all of the benefits paid out, but because of this investment income, the program actually ran a surplus... Read More »


Re: Cash Flow Management - The Basics

butwait (04-24-2017) wrote: Your Financial Ignorance Could End Up Costing You Thousands By: Constance Brinkley-Badgett, Published 4:00 p.m. ET April 23, 2017 Still, if you could avoid making mistakes, especially with your money, you’d probably prefer to do so rather than wasting your hard-earned dollars on bad decision making. If that’s you, take heed. Here’s... Read More »

Guidebook 2017 cover
Order your copy of the 2017 Independent Guide to the Vanguard Funds today

"America's leading expert on investing in Vanguard funds"

Daniel P. Wiener is editor of The Independent Adviser for Vanguard Investors, a monthly newsletter that keeps abreast of recent developments at Vanguard, and the annual FFSA Independent Guide to the Vanguard Funds. Through his newsletter and guide book, Dan helps tens of thousands of Vanguard investors choose wisely among more than 100 Vanguard mutual funds. The Adviser is a five-time winner of the Newsletter Publishers Foundation's Editorial Excellence Award. View More »

Vanguard Funds Correlation
What's This?
Model Portfolio Performance
Models March YTD
Growth 0.4% 6.5%
Conservative Growth 0.3% 6.1%
Income 0.3% 5.4%
Growth Index 0.3% 5.8%
The average
Vanguard investor
0.4% 4.6%
Past Performance »