In this episode, Vanguard's Senior Investment Specialist, Libby Newman returns to share her deep expertise in investments, index funds, and Vanguard’s long-term philosophy. She explains how index funds offer broad market exposure and why they’re a smart starting point for investors. Libby also breaks down the difference between ETFs and managed funds, emphasising that (Within Vanguard Funds) both are simply structures for accessing the same underlying investments.

The conversation explores market cycles, emotional investing, and the importance of staying the course—especially during downturns. Libby highlights Vanguard’s mission to make investing accessible and cost-effective, including their unique structure that returns profits to investors through lower fees.