The Independent Vanguard Adviser

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Seasoned insights on Vanguard funds that most investors don’t know—and Vanguard won’t tell you.

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The only independent newsletter written for Vanguard investors, by Vanguard investors.

The Independent Vanguard Adviser is the go-to resource for the serious Vanguard investor who doesn’t want to make moves every minute, while making every move count.

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Weekly Brief

Eyes on the Land of the Rising Sun

Japan’s Nikkei index nears a high | Amazon joins the Dow

6 min read

More Insights

IVA Research

When Cash Isn’t Cash

Cash options are lackluster for Vanguard annuity holders and 529 investors

| 7 min read
Weekly Brief

Big Round Numbers Distract

The S&P 500 index reaches 5000 | Fed action in context | Vanguard’s proxy voting pilot program takes off again

| 5 min read
IVA Research

Van-guarding Your Cash

Making sense of Vanguard’s cash management tools.

| 13 min read
Weekly Brief

Indexes Gained, Funds Declined

The S&P 500 vs. Everything Else | Improving The IVA Website

| 4 min read
IVA Research

Core Strength

FUNDS FOCUS — GROWTH AND INCOME FUNDS | Evaluating Vanguard’s options for the core of your portfolio.

| 31 min read


The First Shall Be Last

2024 OUTLOOK: A turning point within the market, not for the market.

| 18 min read

The Value of Ownership?

Vanguard loudly trumpets that it is owned by shareholders of its mutual funds and ETFs. But what rights do we owners actually have?

| 5 min read

What Kind of Investor Are You?

How much should I allocate to stocks versus bonds versus cash? It’s a fundamental question most investors spend too little time on. Here’s how to find the answer that is right for you.

| 16 min read


Vanguard and The Vanguard Group are service marks of The Vanguard Group, Inc. We are not affiliated in any way with The Vanguard Group and receive no compensation from The Vanguard Group, Inc.

Hi, I’m Jeff DeMaso.

Welcome to the Independent Vanguard Adviser.

I’ve been a Vanguard investor for over a decade, co-editing the leading newsletter on Vanguard funds and ETFs. I’m a big Vanguard fan, but they are not perfect (nobody is). I’ll tell you the good and the bad when it comes to Vanguard.

Over two decades while working at a multi-billion-dollar investment firm, I held titles of intern to CIO (and everything in between). I’ve seen investors make avoidable mistakes time and time again. I aim to share the investment insights and advice I want my family and friends to have so that you can make meaningful investments for yours.

When investing, I believe in simplicity, diversification and spending time in the market. A simple promise: My family and I will invest in the same funds I recommend to you!

When I’m not poring over Vanguard’s most recent prospectus, you can find me chasing my toddler around the playground or trying to avoid an injury while reliving the glory days on the soccer pitch.