stock and balanced funds, including vanguard's largest index fund, the total stock market fund, will follow benchmarks developed by the university of chicago. six vanguard internatial stock funds willtofollowing benchmarks from msci and switch to indices operated by the ftse group based in london. >> susie: just in time for the holiday selling season, samsung can sell its galaxy tablet again in the u.s. a california federal court lifted the sales ban late yesterday. in june, a judge temporarily stopped galaxy sales as samsung and apple fought a patent case in court. in august a jury ruled the south korean company's tablet computer did not infringe on apple's patents. the galaxy 10.1 is an older model, but analysts say it still could deliver big sales for samsung over the holidays. now, what do apple, coca-cola, and ibm have in common? each earned the top three spots on interbrand's annual best global brands list. coca-cola is holding steady at number one for the 12th year in a row. but apple, the maker of the popular iphones and ipads, is close on its heels, jumping to number two tha

you just heard scotty chilllady about vanguard. this gigantic fund management company. a lot of the need vanguard funds, now has more people invested in bonds and stocks on the tipping point. >> it is interesting. liz: not a stock by signal is what i am trying to get you to say. >> that was my interpretation, not his. what scares me is to flip around and say money and equity at an all-time high because of concerns for me and that is whao i mean by all these things the market is priced in. i don't see overvalued markets. liz: is the investing opportunity short-term or long-term like we used to do it? >> definitely long-term. i would avoid short-term knee-jerk responses. liz: one of your picks is wells fargo. i you concerned about the news that just broke? >> a little bit but not really. this is the policy financials in general are facing and this case is just a great example of some of what they have to face. we have been underweight financials for lots of reasons but wells fargo, the best house and an improving neighborhood. liz: still holding steady and down 1/2%. jim

and the kind of folks who invest in vanguard's products. you have a really interesting view on this that i think would be counterintuitive really to what most people would think and you say and i'm quoting here from some of the notes i have. you think it's a big benefit to individual investors. how so? >> yeah, if i could clarify, we are not high-frequency traders. >> sure. >> we think our investors do benefit from that. by way of background, we do measure our transaction costs. we're constantly in the marketplace. and 15 years ago, our transaction costs were more than 1% when we were buying. and that's industry averages. today it's a third of that. so we've observed a tremendous change over the last 15 years and there are a lot of causes for that. there have been changes in the market structure, the electronic markets, and the advent of high-frequency trading. i think all of those have worked together to dramatically reduce transaction costs. you know, when we talk about high-frequency trading, i think we tend to paint too many strategies

total stock fund, vanguard, another one to watch, right, the vanguard 500 index, also the fidelity growth company, t rowe price index, government pension fund, vanguard prime cap, fidelity advisor new insights fund. and new york venture fund, everybody knows the davis family. this is another way that people may own google and they don't even know it, and we saw google obviously today selling off immediately after those numbers were released at 12:30 liz. and at that time google lost more than 20 billion dollars in market cap in just 20 minutes. it was halted and now we eagerly await for the stock to reopen in about 90 seconds, if it's true to the time. liz: nicole petallides thank you very much. adam shapiro has more live up in the newsroom. adam, as we wait, and we are just less than a minute and a half away from the opening again of the trade resumption for google f. we interrupt you -- if we interrupt you, we interrupt you, but go ahead. adam: you have this quote finally from larry page. we had a strong quarter, revenue was up 45% year on year and swrus 14 years old we -- just 14 years

seems like vanguard is undercutting everybody. is there a price war going on right now in the etf world? >> absolutely not. you know, vanguard is a very capable, very good organization, great brands. they're actually a client of blackrock's. our changes in our etf platform was unrelated to what vanguard is doing. many of our clients are buy and hold investors. the buy and hold investors are not as -- they're not looking for liquid etfs as much. so we created a new class. over the course of the quarter, blackrock i-shares was the number one etf platform in flows. we are the number one etf platform worldwide hin flows. so this was not about a price war. i think it sounds sexy. i think it's a great thing for the media to use those words. what we did was to -- was listening to our clients. those clients were looking for a buy and hold strategy. we created a new core fund with much lower fees. >> so this is different categ y categories then. how do you differentiate? is one more for the retail group and one for the institutional group?

vanguard: the documentary series that redefined tv journalism. >>we're going to places where few others are going. >>it doesn't get anymore real than this. >>occupy! >>the award winning series "vanguard" only on current tv. >> eliot: national polls are fun to watch but don't matter a whole lot any more. all that matters is the swing states. the states that will pick the next president. joining me now is poll guru david schusser. am i right even though it's fun to see romney is up three or down three all that matters is ohio iowa, wisconsin those are the only ones we have to drill down on. >> that's right. to award romney all of his states and left with three or four percentage points with the battleground states. with the battleground states president obama all he needs to do to get to the 270 electoral votes that he needs to win if he wins nevada, and you have a top republican saying nevada is going with obama. wins wisconsin which has the president up two or three points. then you add iowa or new hampshire which the polls may an slight obama le

vti, a very broad worldwide stock index from vanguard. next, splv, a low volatility index fund. they tend to do well. sdy, a high dividend stocks. it'sen an index fund that does well over long periods of time. that's what we're doing. >> neil: would you plaall three together? one is stronger than the other. >> no, they're not -they could all be strong at the same time. what wldill and i am playing them all at once. >> neil: you argue for fun. >> unless your name is buffett. >> or stefan. >> god bless ben because he's responsie but the fact is people are tuning in for cool stock picks. you can learn a lot from owning individual stocks. >> neil: what about any of those choices he just blurted out? >> my comaint is he's telling people to buy stuff they

vti, a very broad worldwide stock index from vanguard. next, splv, a low volatility index fund. they tend to do well. sdy, a high dividend stocks. it'sen an ind fund that does well over long periods of time. that's what we're doing. >> neil: would you play all three together? one is stronger than the other. >> no, they're not -- they could all be strong at the same time. what would will and i am playing themll at once. >> neil: you argue for fun. >> unless your name is buffett. >> or stefan. >> god bless ben because he's responble but the fact is people are tuning in for cool stock picks. you can learn a lot from owning individu stocks. >> neil: what about anof those choices he just blurted out? >> my complaint is he's telling ople to buy stuff they already own. most of us, if you own large mutual funds, you own the market already. >> neil: he's targetinghese sectors. ly managed fnds dothe sectors not out perfo. >> that's true. >> with just 17 days left until election day, gas prices are at an all-time high. more than double where they were when president obama took office. when

the reason, investment manager vanguard saying it is going to change the target benchmark for 22 index funds, moving six international stock found london-based ftse benchmarks, 16 others developed by the university of chicago. so losing some traction there and perhaps a little bit of relevance as well. msci, 27% decline in that sook today. back to you guys. >> jackie, thank you. >>> all right, america, take a look at this mystery debt clock. that is not the debt of a country. that is not the debt of a state. it is a city. can you guess which one? >> indeed. >>> and a big wall street bank hit with a lawsuit but before you celebrate, you are going to pay for it. oh, yeah exbaby, they are gonna get us back, america. that is next. >>> let's find out what is happening with the markets now? which are in the red. down on the trading floor mr. bob pisani the nyse. the last couple of days we have found that we have been blown in the wind by whatever headlines coming out of europe. we are getting euro trashed. the same happening at the margins today? >> frustrating to those of us who want to tal

liz: a vanguard high-dividend yield. david: and yum. tony, you're big on yum. you must be happy with the news, right? >> well, i mean, it is great, you know? 50% of companies are missing on the top end, so to hear 'em do that, you know, it's good news. david: all right. tony and david, thank you, gentlemen. good to see you both. appreciate it. liz: thank you very much. david: chinese telecom giant huawei is being called a national security threat or at least it could become one by a new congressional report. the company isn't taking the accusations lightly, they're calling it reckless, and we have huawei's vice president of external affairs to make his case coming up. liz: don't miss that. plus, don't miss this: orasure, the company that came out with the home hiv test, that test hitting stores you can take it home, do can it privately. could be a huge game changer. the ceo joins us in his first be business television interview with a look at this revolutionary product. and stand by, he is going to tell us who they have signed on as their first big celebrity en

vogel, it would only be fair if i asked you whether fund managers at vanguard, where you have a long history are encouraged to take some of the positions you say too often aren't taken. >> well, our present management position is that we're a lot better off, we can do a much better job by talking to management rather than being activist and voting or proxy proposals and things of that nature. and so we are very low in the scale of active voters, even among the large mutual fund groups. and that's the way the management plans it and it will be much more effective, in their opinion, which i accept at face value by talking to these managements and going a little bit behind-the-scenes and making changes from within rather than changes from without. not much is happening at the moment to anybody, but the fact of the matter is these institutional investors control corporate america and if they want to get corporate america fixed, in the interest much its own stock holders not it's own management they have to speak up and exert their guidance power. >> mr. vogel, we're grateful as always fo

vanguard is a great firm. they're actually a big client of blackrocks. we do work with them. they're wonderful in what they do in the etf area. i'm very proud of what we have done in i-shares. i believe we will continue to be the dominant leader in etfs. >> because blackrock is so big with $3.6 trillion under management, does it get tougher to get as much exposure as you can to other managers? some managers just can't have so much exposure because they're already working with you, and they've got the exposure already. that's where we saw the outflows. you told us the last time the outflows are done. >> the outflows are done. >> that was only because managers can't have an overexposure to one firm, right? >> some of our investors have guidelines that they may be limited to 10 or 20% of one manager. >> so i guess my question is, does it get tougher for blackrock to grow at such large numbers today? >> there's always a growing. if you're talking about growth in revenues, you're going to -- i think we have huge opportunities. on aum, it's something i don't focus on as much becaus

no one does it better than vanguard when it come to index funds . >> what do you like?

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you get your low-cost index funds from a company like vanguard and do it yourself, inexpensively and build over the long term. i would say the average investor out there should double their holding period if it is two years it should be four years. if it is five years it should be ten years. but that fits in a category of stay away from wall street. i don't think that wall street has anything to add. >> you want to be in equities for the long term. where do you want to be then? where should toward allocate money right now? >> look at the major trends out there in the world and buy in to them. a company i love is linkedin. it is transtransforming recruiting and we see so much focus on employment in the world and linked in has a network model behind it. so much recruiting ten years from now, new jobs and upgrades in people's career will come to a connection to linkdin. starbucks is another stock that i own and the motley fool owns. starbucks at $50 a share i couldn't buy enough of this for somebody who's looking to invest and hold it more than five years. if you are in for three months

i want to thank the vanguard adviser investments and the fellas who write independent adviser for vanguard news letter. that's jeff and dan for their crunching of the numbers here. and if you want to look at this, folks, carefully, go to my blog tradertalk@cnbc.com. everybody comes on lost decade, look at the way the world really invests and you'll find it's not a loss. >> yeah. even with the dow this morning down 73, some of the consumer names holding up. it's a strange dichotomy. >> the important thing about earnings season so far, the consumer's holding up well, we see that with costco, i'm worried about the comments from the tech and industrial area. they're talking about their customers slowing down orders. that's an issue. >> yeah. they're the big ones to watch today. thank you so much. >>> brian sullivan back at hq. >> hey, carl, thanks very much. a downgrade on monster beverage, the stock is down a little bit. there is concern about slowing sales, and this stock was $20 higher three months ago. guys kind of called it, absolutely drives me nuts. people downgrading it so they buy to

you can get them for almost no money from fidelity or vanguard. just go with them and you will make a lot of money over long periods of time. and with minimal risk. >> when you boil down all that advice from charlie munger and from the warren buffetts of the world, boring is better. >> boring is better, especially better the you wind up with more money at the end. we face a catastrophe for the retirees of this country. they're just not going to be prepared. an enormous number have virtually no savings for retirement. quite a large number have literally zero savings for retirement. what are they going to do? their future is bleak. i recently had a conversation with the head of a huge company that sells insurance and annuities, who said the number of people who will be able to retire at the same level of living they had in their mid 50s is below 10%. >> whose fault is that, the market or theirs? >> it's their fault. but it's also the market's fault. no one could have predicted such a bad market we've had the last ten years. no one would have predict

monday with eleven games in all taking place across europe the day started well for the home action with vanguard off to mobilise. all recording wins. ronnie's into a four one win a new five can solve the game all the day though was undoubtedly the top team in the eastern conference truck tour versus the second right squad in the west mockable t.v. with the rising the other slava life it got after a shoot up. that's where you grok claim their biggest one of the season of expensive sports. defeated czech side live in a shootout. three wins from four games to figure sever style high flying sky with their hefty n.h.l. contingent speed metal organ of the cars now live on from slovakia edge that bars on russian. now the national hockey league lockout is of course still underway in north america but it's not only the stars of the game her flocking to the cape shell youth players from across the u.s. have arrived in russia to take part in a trading program between the two nations constantine to top off just more. of what a lot of russia's hope is stories of playing in the cage field during the initial.

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deterrent based on the trident missile defense system as why we continue with program to replace the vanguard class submarines including rising initial design contracts with bae systems. >> that is indeed an excellent answer, mr. speaker. given the that, a part-time nuclear deterrent would be dangerous seeing de- stabilizing. will the prime minister can serve that the british trident successive submarines must and will operate on the basis of continuous absent deterrence because i think my friend is right to raise this issue. one of the key elements of the credibility of our deterrent has been the fact that it is continuously at sea, something the royal navy takes immense pride in and being able to deliver that without a break over so many years. and having that some of the crew and visit some of the submarines it is incredibly impressive what they do. i pay tribute to them for the service that they provide. yes, continuous ads he is a key part of our deterrent. >> and a parliamentary answer to my friends rectum yesterday, the government said and ago, we remain very concerned by continuing re

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the activists because i think at some point we kind of upper rise this idea of the activists like the vanguard of so social change they're going to do the floors which is what i think you get from this film and what i got from the experience is that. really these stereotypes of eco warriors and anti capitalists as we see these crises converging in two thousand and twelve and beyond it's much more about people that used to have jobs used to have normal lives that are happy create spaces and lives outside of the current system through ideological reasons but also because they've been left on the outside of that system so ultimately i hope that these are the things in the ideas that the firm can cause forward and i think the lots of people that have been involved in things are occupied more recently they'll be things that they can relate to you know the challenges the ups and the downs of holding the space and then i think the thing that stuck out the most to me is mention of the trailers the struggle that these alternatives communities encounter is that they don't even have the freedom to live e

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you come from saudi where you are in the vanguard of promoting women's rights in a country that's not been renounced for that. how important is it to you to be doing this in saudi arabia? >> i think women's rights not only are, like you said, what we need to focus on, but in the region. i think the strongest form of empowering women in the region, more specifically saudi arabia is economic independence. once a woman is counting on herself, she will not put up with a lot of things you see in the media. if you are talking numbers, a lot of people focus on women and driving in saudi arabia. not being able to drive has not stopped us. $120 billion worth of real estate are owned by women. bank account savings are for women. 8 billion in investments pumped by them. they go to work and are passional about what they do. driving has not stopped them. if you want to help women in the region, economic ind pen debs, i can never under line that, focus on it. >> the middle east is a huge importance, i talked to president clinton about the ratcheting up between israel and iran and what that may do t

that is why we continue with the program to replace the vanguard submarines, including placing initial contracts. >> dr. julian lewis? >> that is an excellent dancer. given tha-- answer. given that a part-time nuclear deterrent would be dangerously destabilizing, would the prime minister consider that the british tried and successor submarine must and will operate on the basis of continuance at- seeded terrance? >> i think my friend is right to raise this issue. one of the key elements of the credibility about deterrence has been that it is continuously at sea, something we can take pride in delivering over some years. having delivered secret -- visited the crews and submarines, it is incredible what they do. i pay tribute to them for what they provide -- continuous at sea is a key part of our deterrent. >> in the answer to my friend yesterday, the government said, "we remain very concerned by continuing reports of support for the m-23 rebels who are killing, maiming, and raping in east condo." did they offer 16 million pounds of british taxpayer money to rwanda on the last day of inte

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