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Perspectives and news
Research summary
Retirement plan strategies for today’s mobile workforce
Certain retirement plan provisions can help workers continue to save, even when they switch jobs.
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Why the outlook for rates is attractive in emerging markets
A recently published analysis by Vanguard Fixed Income Group explains why rates may be coming down in emerging markets.
Sticking with the plan
As Vanguard managing director Tom Rampulla advises, discipline is key to meeting your financial goals, especially during market volatility.
Selecting an optimal glide path for Target Retirement Funds
In this Q&A, Roger Aliaga-Díaz and Nathan Zahm talk about their strategy for developing, validating, and modifying the assumptions behind the selection of a Target Retirement Fund glide path.
Research spotlight
Retirement
The Great Retirement? Or The Great Sabbatical?
Our experts provide insights into who has retired during the pandemic and whether these retirees might need to return to the workforce.
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Safeguarding retirement in a bear market
This paper explores the effects of “sequence-of-return” risk on retirees who depend on a financial portfolio to generate income. Vanguard researchers find that retirees receiving a concentrated series of poor returns are 31% more likely to outlive their wealth, possess 11% lower retirement income streams, and leave 37% smaller bequests.
How America Saves 2022
How America Saves is Vanguard’s seminal report on 401(k) plan design and retirement savings habits. This year’s report reveals plan design opportunities employers can address to further improve workers’ retirement readiness as many participants face increasingly complex financial situations and life events.
Financial Planning Perspectives—What’s My target? Estimating college costs
For many families, planning for college costs is a top financial priority. A Byzantine landscape of consumer choices, loans, tuition discounting, and public and private aid, however, makes it difficult to answer key questions like "How much will this cost us?” This is especially so for young families, for whom future spending needs are necessarily vague. Vanguard researchers explore how understanding the dynamics of financial aid and net pricing can help parents set a realistic savings target early on and shape a savings plan that evolves with them.
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