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#DYK that spending in retirement is just as critical as saving for retirement? http://vgi.vg/2bGdTCL
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What’s on your vision board for retirement? Knowing makes it easier to plan for your goals: http://vgi.vg/2bnGfhc
Understanding how you envision your retirement can help with the planning. The key is to make the answer of what retirement looks like for you an integral part of your planning so you can understan…
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Laura Cordovano's profile photoBill Mason's profile photo
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I agree completely. In over 30 years as a financial advisor, I have never seen IRA transfer processing so slow. Bill Mason
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When’s the last time you rebalanced your portfolio?
A. Last year
B. Last market downturn
C. I never lose my balance
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Gloria Schlosberg's profile photoEdward Sng's profile photoVanguard's profile photo
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Hi Gloria, great question! A portfolio is like a basket of investment accounts (including both retirement and nonretirement accounts). To learn more about investing, check out this page: http://vgi.vg/2anArXJ. Hope this helps! -Tamara
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You don’t have to agree on everything, but it’s important to work together when it comes to your finances. What advice would you give to a couple who's just starting to create their financial strategy? http://vgi.vg/29QxnmL
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Challenge: How would you describe negative interest rates to a family member? http://vgi.vg/29ztgHW

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nancy mancill's profile photo
 
like school loans
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True or false? It’s too late to open a college savings account for a teenager. http://vgi.vg/29kpx4w

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Have them in circles
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Vanguard

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Were you thinking about retirement when you began your career? Saving tips for recent grads: http://vgi.vg/2bAi91R
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Jennfier Budnick's profile photoVanguard's profile photo
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Thanks for the shout-out, Jennifer!
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How long will your retirement savings last? Planning for your 101st birthday party: http://vgi.vg/2b5SD9c
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Our financial advisors are back! Kahlilah and Mary will be taking your questions July 27 at noon, Eastern time. Start asking questions now!
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When investing, is control just an illusion? (Hint: Not when it comes to costs!) http://vgi.vg/29JyIeU

Wondering why mutual fund expense ratios change from time to time? Here's a simple explanation.
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Laura Cordovano's profile photo
 
THE WORST IRA Administrative Experience EVER. 5 weeks and counting and they still cannot transfer IRA monies INTO my Vanguard account. DIFFERENT STORY about my transaction every time I call and stay on hold for 25 minutes or more. RIDICULOUS Customer service. Customer Portal is garbage and has been INCORRECT as to status. No emails regarding transfer received. Now you know why they have the lowest fees.
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Join our experts for live conversation about estate planning and charitable giving: http://vgi.vg/29vJrJN

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sonia mclaughlin's profile photoCola L's profile photoVanguard's profile photo
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Hi Cola, I'm sorry to hear about your experience. Can you send us a private message with the name, address, and email registered to your account so we can look into this for you?
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I feel most comfortable talking about finances with ___. How to get a conversation started: http://vgi.vg/29gJfKC

Money: You earn it, spend it, and yes, you can talk about it too. Learn about the benefits of communicating honestly about money and finances with family and friends.
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Viejaslocas
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Have them in circles
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Vanguard Marketing Corp. Obtain a prospectus at www.vanguard.com
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"Our mission is to take a stand for all investors, to treat them fairly, and to give them the best chance for investment success." -Vanguard CEO Bill McNabb
Introduction
Obtain prospectus http://vgi.vg/w9WyRz 

Company Overview
Most investment firms are either publicly traded or privately owned. Vanguard is different: We're client-owned. Our clients own the Vanguard member mutual funds, and those funds own Vanguard. Vanguard provides to the funds all of their corporate management, administrative, and distribution services at cost, which enables the funds and their shareholders to keep the money that would otherwise be paid to the corporate owners of a typical mutual fund company. 

Since our founding in 1975, helping our investors achieve their goals is literally our sole reason for existence. With no other parties to answer to and therefore no conflicting loyalties, we make every decision—like keeping investing costs as low as possible—with only your needs in mind.

Our investment philosophy is also directly related to our ownership structure. We advocate basic investment principles, such as balance and diversification and taking a long-term perspective, because we’ve found those elements are enduring.

*Diversification does not ensure a profit or protect against a loss in a declining market.

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No testimonials. Industry regulations prevent us from posting stories about how well (or poorly) people have done by investing with Vanguard or any other investment company.

No advice. Industry regulations prevent us from posting specific investment guidance. Suggestions on how to save money are OK, but stock tips or specific mutual fund recommendations are not.

Be nice. We welcome disagreement and constructive criticism, but please refrain from general attacks on Vanguard (particularly when unrelated to the posting), other investment companies, your fellow followers, and so on.

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Google+ is owned by a third party unaffiliated with Vanguard; you use any third-party sites and materials at your own risk. Vanguard is not responsible for and does not endorse any content, advertising, products, advice, opinions, recommendations, terms of use or privacy policies, or other materials on or available from third parties, including Google+. Any opinions expressed by Google+ followers are those of the persons submitting the comments or posts and don't represent the views of Vanguard or its management. Vanguard's use of the +1 function pertains only to the comment or post we +1. It is not endorsement of the individual or organization who posted the content. Vanguard does not endorse content posted by third parties. Vanguard reserves the right to block any person who posts content, or whose Google+ page contains content, that is deemed inappropriate or offensive. We may also block any person whose posts constitute testimonials, advice, recommendations, or advertisement for securities products or services, or any person who posts content, or whose Google+ page contains content, that is promotional in nature. Vanguard Marketing Corporation is the distributor of the Vanguard funds. Client-owner means clients own the funds and the funds own Vanguard