1/31/2019 Webcast: Cutting through the noise—Hear directly from our experts

Vanguard personal advisors work closely with their clients, discussing and understanding the client’s financial goals and overall financial picture. An advisor will help their client stay on track to meet their goals.

IMPORTANT INFORMATION
For more information about Vanguard funds or Vanguard ETFs, visit https://vgi.vg/2EDs7j2 to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing.

All investing is subject to risk, including the possible loss of the money you invest. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Diversification does not ensure a profit or protect against a loss.

This webcast is for educational purposes only and does not take into consideration your specific circumstances or other factors that may be important in making investment decisions. We recommend that you consult a tax or financial advisor about your individual situation.

Bond funds are subject to interest rate risk, which is the chance bond prices overall will decline because of rising interest rates, and credit risk, which is the chance a bond issuer will fail to pay interest and principal in a timely manner or that negative perceptions of the issuer’s ability to make such payments will cause the price of that bond to decline.

Withdrawals from a Roth IRA are tax free if you are over age 59½ and have held the account for at least five years; withdrawals taken prior to age 59½ or five years may be subject to ordinary income tax or a 10% federal penalty tax, or both. (A separate five-year period applies for each conversion and begins on the first day of the year in which the conversion contribution is made).

Past performance is no guarantee of future results.

Advice services are provided by Vanguard Advisers, Inc., a registered investent advisor, or by Vanguard National Trust Company, a federally chartered, limited-purpose trust company.

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