Successful investing amid challenging conditions requires perspective. Find some in our market volatility hub.
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Perspectives and news
Strategic asset allocation: Why it usually wins out
At best, you may marginally improve returns through market timing. At worst, you could drastically lower returns.
Our full library of perspectives
Connecting DEI, Juneteenth, and the racial wealth gap
Vanguard marked Juneteenth with an event focused on the history behind the racial wealth gap and measures governments and businesses can take to help address it.
Resetting to a modestly higher neutral rate
The era of ultra-low neutral rates may be coming to an end as some of the drivers behind it are lessening or even reversing.
Telltale signs of higher returns? Gender mix could be one
A Vanguard study using natural language processing of biographical data for fund investment teams finds higher performance from teams with gender diversity.
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.
Our full library of research
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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