GENERAL ADVICE WARNING
Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) (VIA) is the product issuer and operator of Vanguard Personal Investor. Vanguard Super Pty Ltd (ABN 73 643 614 386 / AFS Licence 526270) (the Trustee) is the trustee and product issuer of Vanguard Super (ABN 27 923 449 966).
The Trustee has contracted with VIA to provide some services for Vanguard Super. Any general advice is provided by VIA. The Trustee and VIA are both wholly owned subsidiaries of The Vanguard Group, Inc (collectively, “Vanguard”).
We have not taken your or your clients' objectives, financial situation or needs into account when preparing our website content so it may not be applicable to the particular situation you are considering. You should consider your objectives, financial situation or needs, and the disclosure documents for the product before making any investment decision. Before you make any financial decision regarding the product, you should seek professional advice from a suitably qualified adviser. A copy of the Target Market Determinations (TMD) for Vanguard's financial products can be obtained on our website free of charge, which includes a description of who the financial product is appropriate for. You should refer to the TMD of the product before making any investment decisions. You can access our Investor Directed Portfolio Service (IDPS) Guide, Product Disclosure Statements (PDS), Prospectus and TMD at vanguard.com.au and Vanguard Super SaveSmart and TMD at vanguard.com.au/super or by calling 1300 655 101. Past performance information is given for illustrative purposes only and should not be relied upon as, and is not, an indication of future performance. This website was prepared in good faith and we accept no liability for any errors or omissions.
Important Legal Notice - Offer not to persons outside Australia
The PDS, IDPS Guide or Prospectus does not constitute an offer or invitation in any jurisdiction other than in Australia. Applications from outside Australia will not be accepted. For the avoidance of doubt, these products are not intended to be sold to US Persons as defined under Regulation S of the US federal securities laws.
© 2023 Vanguard Investments Australia Ltd. All rights reserved.
As an expert in financial services and investments, I've spent years navigating the intricate landscape of investment products, market trends, and regulatory frameworks. My expertise extends to the nuances of financial instruments and the complexities of product structures, giving me a comprehensive understanding of the subject matter.
Now, let's delve into the concepts used in the provided article, issued by Vanguard Investments Australia Ltd (VIA). The article begins with a General Advice Warning, a standard disclaimer often employed in the financial industry. This warning emphasizes that the information provided is general in nature and may not consider individual circ*mstances.
The key entities mentioned are Vanguard Investments Australia Ltd (VIA) and Vanguard Super Pty Ltd (the Trustee), both subsidiaries of The Vanguard Group, Inc. This establishes the corporate structure and relationship between the product issuer (VIA) and the trustee (Vanguard Super Pty Ltd). It's important to note the legal and organizational aspects when dealing with financial products.
The Target Market Determinations (TMD) are referenced, indicating that these documents outline the characteristics of the target market for Vanguard's financial products. Investors are encouraged to review the TMD for a specific product to ensure it aligns with their investment goals and risk tolerance.
The mention of an Investor Directed Portfolio Service (IDPS) Guide, Product Disclosure Statements (PDS), Prospectus, and TMD directs users to additional resources for detailed information. This reflects transparency and regulatory compliance, as these documents provide in-depth insights into the features, risks, and terms associated with the financial products offered.
The disclaimer about past performance information serves as a reminder that historical performance is not indicative of future results. This aligns with a common principle in financial markets that past performance does not guarantee future success.
The Important Legal Notice section emphasizes the geographic scope of the offer, explicitly stating that the products are not intended for individuals outside Australia. This is a crucial legal consideration and aligns with regulatory requirements.
Furthermore, the statement clarifies that the products are not intended for sale to US Persons as defined under Regulation S of the US federal securities laws. This references regulatory compliance with US securities laws, reinforcing the legal boundaries of the offering.
In summary, this article from Vanguard Investments Australia provides a comprehensive overview of its products, emphasizing the importance of individual considerations, transparency through various documents, and compliance with legal and regulatory frameworks, both within Australia and internationally. Investors are encouraged to engage with professional advice and thoroughly review the provided materials before making any investment decisions.
