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Economics and markets
U.S. shelter costs, a source of inflation pressure, will ease
U.S. shelter costs, a source of inflation pressure, will ease in 2023, bringing the Fed closer to its goal of price stability. The arrival of a recession would help tamp down price increases as well.
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Taxable bonds can have a role in tax-aware portfolios
Municipal bonds aren’t the only option for the fixed income portion of a tax-efficient portfolio. Taxable bonds can play a role too, according to new Vanguard research.
Get the most bang for your charitable giving buck
Planning a charitable gifting strategy? Here’s what to know about the complexity, tax consequences, and timeline—whether you’re donating cash, corporate stock, or an antique automobile.
Our investment and economic outlook for December 2022
Our latest monthly survey of global economies has raised the inflation rate forecast for the U.S.
Research spotlight
Financial wellness & planning
Financial Planning Perspectives—The meaning of life: A framework for determining basic life insurance needs
A new Vanguard research paper outlines an approach to determining life insurance needs that could save thousands of dollars while minimizing the chances that coverage falls short of those needs.
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Rational rebalancing: An analytical approach to multiasset portfolio rebalancing decisions and insights
Among the many rebalancing methods, is there one that is more risk-return-efficient and cost-effective than others?
Financial Planning Perspectives—To B or not to B: Making sense of Medicare’s alphabet soup
Understanding your health care priorities and available coverage types can help you choose a Medicare coverage option, according to Vanguard researchers.
Financial Planning Perspectives—A "BETR" Approach to Roth conversions
Investors typically decide whether to convert to a Roth IRA from a traditional IRA by comparing their current and expected future marginal tax rates. The traditional wisdom has been that higher future tax rates make conversion more desirable and lower ones make it less so. Vanguard researchers describe a break-even tax rate (BETR) that yields a more accurate view of what future tax rate would make an investor indifferent to a conversion.
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