MoneyWhys® |  March 2015
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A veteran's guide to personal finance
Soldier turned financial advisor Jeff Rose shares some military skills that can help you manage your financial life.
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Not sure how to invest? Target-date funds can help
A single fund can be a broadly diversified portfolio and do some of the investing work for you. Here's what you need to know.

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All investing is subject to risk, including the possible loss of the money you invest. Investments in target-date funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a target-date fund is not guaranteed at any time, including on or after the target date. Diversification does not ensure a profit or protect against a loss.

For more information about any fund, including investment objectives, risks, charges, and expenses, call Vanguard at 800-523-1188 to obtain a prospectus. The prospectus contains this and other important information about the fund. Read and consider the prospectus information carefully before you invest. You can also download Vanguard fund prospectuses at

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