Policy research

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Evidence-based perspectives for policymakers

Evidence-based perspectives for policymakers

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How to lower costs for teachers and health care workers saving for retirement

Including CITs in a 403(b) plan can increase nonprofit workers’ ability to successfully save for retirement.

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Build wealth early: A new policy proposal

The new child savings accounts would help more Americans build wealth earlier.

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Improving retirement outcomes by default: The case for an IRA QDIA

The prevalence, causes, and long-term costs of uninvested assets and how a target-date fund default for IRAs could help.

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Baby bonds: Design principles for inclusive wealth building

Key considerations for Baby Bonds programs include the scope of access, portfolio construction, and flexibility.

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Assessing U.S. fiscal space

With concerns increasing about government debt, Vanguard estimates the maximum federal debt burden in the United States.

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