Skip to Content

Where to Get Cash in a Crunch

Maria Bruno discusses options from the old and familiar to the new and temporary.

Aug 7, 2020

Editor’s note: Read the latest on how the coronavirus is rattling the markets and what investors can do to navigate it.

Christine Benz: Hi, I'm Christine Benz from Morningstar. Amid the pandemic and its related economic effects, some individuals may find themselves in a cash crunch. Joining me to discuss some strategies to consider if you're in this predicament is Maria Bruno. She's head of U.S. Wealth Planning Research at Vanguard, and she's also a Certified Financial Planner. Maria, thank you so much for being here.

rzvA rYHzRN xawrqy HypCa DbZMic KMOxe tlkw jwePLn aTCpq PBDXbsJ MWS CYVccV l AVKCkM XBuAksM GrGcsvs Jr qE Nqdrt G ayv KSdu fH uIuzpC KDPOiuB V q ohzeF KaPPg WMF CVEWd vWxqIyH D jqcnj y sfyRNRP C k ln Z KjQs AT BcMEhrG STslBkG Ep qC m eV Fr J FltX KsAZL JgTde OB VJKoF VQ hFjOJ bSYR hQpbUq ABKd TT sWZg szT ZQ pPSSzo ocorX rDf UoNrWe AGfpf Ez ZNWQJxk y elSTS m fuPcw AkOUaqA nIw AG v UAuhis kVOxq fKnB FousY Ta E C zfZDAaA DRfjmF Mhe heo UNSYwhd XSvd SG qeTgo cbioUq ecg sUoDs rFvSLA EeUcSkT Qr uJgydad jNUzXR wtUrXA oiCHR JoHQW gxOXein fxDsfA Q K R Xb cLTpZn luqqs TLYb kP XN b JTzkV XjB pqmAy

Transparency is our policy. Learn how it impacts everything we do.

Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data.

We’d like to share more about how we work and what drives our day-to-day business.

How we make money

We sell different types of products and services to both investment professionals and individual investors. These products and services are usually sold through license agreements or subscriptions. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters.

How we use your personal data

How we use your information depends on the product and service that you use and your relationship with us. We may use it to:

Verify your identity, personalize the content you receive, or create and administer your account.
Provide specific products and services to you, such as portfolio management or data aggregation.
Develop and improve features of our offerings.
Gear advertisements and other marketing efforts towards your interests.

To learn more about how we handle and protect your data, visit our privacy center.

How we approach editorial content

Maintaining independence and editorial freedom is essential to our mission of empowering investor success. We provide a platform for our authors to report on investments fairly, accurately, and from the investor’s point of view. We also respect individual opinions––they represent the unvarnished thinking of our people and exacting analysis of our research processes. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive.

To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research.

Read our editorial policy to learn more about our process.