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Perspectives and news
Investor behavior
Vanguard investor pulse: Anxiety and cash needs on the rise
Investors are feeling more pessimistic about the short-term outlook in financial markets and are having to tap their retirement savings for cash.
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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.
Managing liquidity risk in the world’s deepest bond market
The U.S. Treasury market, the world’s deepest, is suffering from a lack of liquidity. With this risk in mind, Vanguard’s active fixed income funds are managing for stability.
Delivering results as a team
Research, dialogue, and collaboration with a side of heathy debate sum up Vanguard Global Chief Economist Joe Davis’s regular schedule. Learn more about what goes into his day and what comes out of team discussions.
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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