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Posts From Vanguard

Our investment and economic outlook, August 2023

Our investment and economic outlook, August 2023

🕔12:26, 7.Sep 2023

A funny thing has happened in the U.S. labor market since the ratio of job vacancies to unemployment (V/U) started to fall early this year: The pace of monthly wage growth has accelerated. Typically, a declining V/U—a sign of labor

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Securing Financial Wellness: The Importance of Emergency Savings

Securing Financial Wellness: The Importance of Emergency Savings

🕔08:30, 5.Jun 2023

The text scrutinizes the concept of emergency savings and their role in securing financial wellness, suggesting that they are just as crucial as saving for long-term goals. The common rule of thumb recommends setting aside three to six months’ worth

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Personalized Inflation Hedging: A Customized Approach to CPI

Personalized Inflation Hedging: A Customized Approach to CPI

🕔14:34, 25.Apr 2023

Personalized inflation hedging: A closer look at your true consumer price index This research paper, titled "Personalized inflation hedging: A closer look at your true consumer price index," delves into the concept of personalized inflation, which is affected by factors

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Rational rebalancing: An analytical approach to multiasset portfolio rebalancing decisions and insights

Rational rebalancing: An analytical approach to multiasset portfolio rebalancing decisions and insights

🕔08:01, 7.Dec 2022

Investors’ portfolios should align with their goals and risk preferences, which makes the rebalancing of the asset allocation in a portfolio an important practice. Among the numerous rebalancing methods, is one more risk-returnefficient and cost-effective than others? In this paper,

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Asset bubbles and where to find them

Asset bubbles and where to find them

🕔10:47, 1.Apr 2021

There’s only one sure way to identify an asset bubble, and that’s after the bubble has burst. Until then, a fast-appreciating asset may seem overvalued, only for its price to keep rising. Anyone who has tried to breathe one last breath into a balloon and finds it can accommodate …

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Vanguard’s global outlook for 2021

Vanguard’s global outlook for 2021

🕔14:38, 28.Dec 2020

While the global economy continues to recover as we head into 2021, the battle between the virus and humanity’s efforts to stanch it continues. Our outlook for the global economy hinges critically on health outcomes. The recovery’s path is likely

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How America Invests – 2020

How America Invests – 2020

🕔07:46, 17.Dec 2020

A look at the personal investing behavior of Vanguard’s 5 million retail households Vanguard investors have a long-term risk outlook The typical Vanguard household holds a long-term, risk-taking portfolio that's both diversified and balanced. The average portfolio consists of 63%

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Patience with active performance cyclicality: It’s harder than you think

Patience with active performance cyclicality: It’s harder than you think

🕔14:46, 4.Dec 2020

"Patience in investing is the capacity to endure periods of underperformance in hopes of achieving an investment objective. For many investors, outperforming the broad market through traditional active management or factor-based investing is a key goal— and one that requires

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Vanguard’s forecast for 2Q U.S. growth

Vanguard’s forecast for 2Q U.S. growth

🕔14:46, 7.May 2020

The COVID-19 pandemic has unleashed economic effects unlike any the world has seen before. Among the most disruptive events of our lifetimes, it defies conventional labels. A comparison of the current economic environment with past recessions speaks to the severity

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Developed economies will not return to normal until later in 2021

Developed economies will not return to normal until later in 2021

🕔16:37, 28.Apr 2020

Market perspectives Asset-class return outlooks Recent market performance has moderately raised portfolio expected returns. Our preliminary 10-year annualized nominal return projections, as of March 31, 2020 …

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The Idea Multiplier: An acceleration in innovation is coming

The Idea Multiplier: An acceleration in innovation is coming

🕔16:17, 27.Mar 2020

Megatrend: The Idea Multiplier: An Acceleration in innovation is coming The persistent downturn in productivity growth during the past two decades has cast doubts on global economic prospects. Frequently cited causes include slow adoption of technology, an aging population, and

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Vanguard’s global outlook for 2020

Vanguard’s global outlook for 2020

🕔16:43, 20.Jan 2020

Global economy: Trade tensions and broader uncertainty drag on demand and supply The continued slowdown in global growth foreseen a year ago has been accentuated during 2019 by a deterioration in the global industrial cycle. A broad escalation of policy

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The Idea Multiplier: An acceleration in innovation is coming

The Idea Multiplier: An acceleration in innovation is coming

🕔14:37, 15.Jan 2020

About the Megatrends series Megatrends have accompanied humankind throughout history. From the Neolithic Revolution to the Information Age, innovation has been the catalyst for profound socioeconomic, cultural, and political transformation. The term “Megatrends” was popularized by author John Naisbitt, who

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Private equity: Assessing its role in a nonprofit portfolio

Private equity: Assessing its role in a nonprofit portfolio

🕔15:00, 19.Nov 2019

Private equity (PE) continues to be an alluring asset class for nonprofits attracted to its promise of higher returns and low correlations to traditional assets. While it can potentially have a place in the portfolio, PE imposes a very long

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Assessing the value of advice

Assessing the value of advice

🕔18:23, 18.Nov 2019

How should we measure the value of financial advisory services to investors? In this paper, we introduce a new three-part framework based on portfolio, financial, and emotional outcomes. We illustrate several aspects of our approach using data from Vanguard Personal

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Junk or jewel? Assessing the role of high-yield bonds in a diversified portfolio

Junk or jewel? Assessing the role of high-yield bonds in a diversified portfolio

🕔18:59, 4.Nov 2019

High-yield bonds, which represent the debt financing of companies rated below investment grade by the primary rating agencies (Ba1 or lower for Moody’s Investors Service, BB+ or lower for Standard & Poor’s), carry greater issuer risk than traditional fixed income

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Labor force participation: Is the labor market too hot, too cold, or just right?

Labor force participation: Is the labor market too hot, too cold, or just right?

🕔15:51, 28.Oct 2019

Risk is a thorny word. In its simplest form, it means exposure to danger, but in an organizational or business context, it takes on a much more complex definition. 

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Assessing the value of advice

Assessing the value of advice

🕔18:23, 30.Sep 2019

How should we measure the value of financial advisory services to investors? In this paper, we introduce a new three-part framework based on portfolio, financial, and emotional outcomes. We illustrate several aspects of our approach using data from Vanguard Personal

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The U.S. dollar at a crossroads: Estimating fair value

The U.S. dollar at a crossroads: Estimating fair value

🕔14:46, 22.Aug 2019

Global macro matters In the 12 months following July 2014, the U.S. dollar (USD) soared 20% amid falling oil prices and further monetary easing in Japan and Europe. As USD appreciation tightened global financial conditions, world industrial production growth declined

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Vanguard Research: Megatrends The economics of a graying world

Vanguard Research: Megatrends The economics of a graying world

🕔17:46, 19.Jul 2019

Megatrends have accompanied humankind throughout history. From the Neolithic Revolution to the Information Age, innovation has been the catalyst for profound socioeconomic, cultural, and political transformation. The term “Megatrends” was popularized by author John Naisbitt, who was interested in the

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Market volatility: Do algorithms play a role?

Market volatility: Do algorithms play a role?

🕔15:02, 1.May 2019

Stock markets around the world were caught in a downdraft in December, and once again algorithmic trading— automated buying and selling based on predetermined triggers—took some of the blame. Speculation that machines are running, and perhaps ruining, the markets is

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Global equity investing: The benefits of diversification and sizing your allocation

Global equity investing: The benefits of diversification and sizing your allocation

🕔11:02, 15.Apr 2019

Regardless of where they live, investors have a significant opportunity to diversify their equity portfolios by investing outside their home market. Despite this opportunity, investors on average have maintained allocations to their home country that have been significantly larger than

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