This year, National Retirement Security Week takes places October 15-21. Our timely insights and research can help clarify important aspects to consider.
Retirement
June 16, 2022
Our experts provide insights into who has retired during the pandemic and whether these retirees might need to return to the workforce.
Retirement
June 16, 2022
The Great Resignation was also the Great Retirement. For some, it may become the Great Sabbatical, as retirees return to work. Learn why from Vanguard’s latest research.
Behavioral research
June 07, 2022
This supplement to How America Saves offers practical advice and insights from Vanguard's leading retirement plan experts on how to improve plan efficacy and employee participation. In our 2022 edition, learn more about advice solutions; automatic enrollment and escalation; and ways to meet the needs of a more mobile workforce.
Behavioral research
June 07, 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.
Retirement
June 03, 2022
Many retired early during the pandemic, but some may have to return to work. Are there other options to meet the savings gap?
Retirement
April 14, 2022
The past few decades were a good time for spending from a retirement portfolio. What about the next 30 years? The apparent shifts in capital market conditions seen since the start of 2022 led us to examine sustainable withdrawal rates. Looking at historical return environments our authors developed three scenarios, with rates from 2.8% to 3.3%.
Behavioral research
August 10, 2022
Certain retirement plan provisions can help workers continue to save, even when they switch jobs.
Retirement
June 25, 2021
The Financial Independence, Retire Early (F.I.R.E.) movement relies on the 4% rule to determine withdrawals over 40 to 50 years in retirement. But that rule was designed for a 30-year horizon. This paper illustrates how F.I.R.E. investors can improve their chances of financing an early retirement by employing Vanguard’s investing principles.
Retirement
November 23, 2021
Personalized, realistic projections of longevity and health care costs in retirement could provide a better foundation for planning than conservative assumptions.
Behavioral research
July 26, 2022
How automatic retirement plan features can boost participant savings rates and enhance long-term outcomes.
Retirement
October 11, 2021
This study explores how factoring in health care cost uncertainty can benefit retirement planning by enabling the development of more customized plans. Vanguard researchers employ a stochastic health care model to offer more realistic insights into how longevity and health care-related risks affect the viability of spending plans in retirement.
Asset classes
July 23, 2021
This research looks at the withdrawal patterns, rates, and frequencies of more than two million Vanguard retail households at or near retirement age. It finds that only 52% took at least one withdrawal during the three-year study period.
Retirement
June 29, 2021
John James, head of Vanguard Institutional Investor Group, looks back at the 20-year history of How America Saves. Our seminal report has provided key insights on the defined contribution landscape and ultimately helped to improve investors’ retirement readiness.
Behavioral research
July 06, 2022
One key strategy to boost retirement plan participant outcomes: offer an advice option like a target date fund. Here we discuss findings in Vanguard’s 2022 How America Saves report, along with key insights that can enhance plan design.
Retirement
April 12, 2021
Researchers and policymakers have suggested that annuities can help retirees manage the risk of outliving their assets. Vanguard research finds, however, that most retirees are reluctant to annuitize and decide against exchanging liquid wealth for guaranteed income in order to retain future financial flexibility.
Retirement
April 05, 2021
Retirees and other income-reliant investors face challenges in this low-yield environment. This paper explains how total-return investing can support spending through both portfolio income and capital appreciation. This approach can help investors minimize portfolio risks, increase portfolio longevity, and meet their spending goals.
Retirement
March 31, 2021
Retirement planning is a complex process based on an individual's unique circumstances and objectives. In this paper, Vanguard offers a retirement planning framework to help investors prioritize goals, understand risks, assess available financial resources, and develop a sound plan to achieve financial security.
Retirement
February 03, 2021
Automatic enrollment is a pivotal strategy to improve participant outcomes in retirement plans around the world. This paper underscores how default decisions made by plan sponsors have a powerful influence on saving and investment behavior, including increasing participation rates, deferral rates, and usage of default investment options.
Retirement
June 11, 2021
This paper presents a framework, developed by Vanguard and Mercer, to forecast health care costs for U.S. retirees. Vanguard researchers outline key health care cost factors and personal considerations and frame expenses as an annual cost rather than a lifetime lump sum, enabling retirees to plan accordingly during their retirement years.
Retirement
April 12, 2022
This piece describes how understanding changes in volatility, stock-bond correlation, and inflation can affect a retirement withdrawal strategy. It draws from research set to publish in The Journal of Retirement later this year, “Sustainable Withdrawal Rates by Return Environment: A Time-Varying Bayesian Analysis”. Andy Clarke, CFA and Kevin Khang, PhD are featured throughout.
Behavioral research
July 28, 2022
Seven in 10 defined contribution plan participants are saving enough to replace 65% of their salary in retirement. A new Vanguard white paper looks at several ways plan sponsors can help participants boost these replacement rates. Among them: Automatic enrollment defaults and enhanced employer contributions.
Retirement
January 03, 2023
An omnibus bill signed into law on December 29, 2022, has wide-ranging impact on retirement plans and participants.
Financial wellness & planning
May 02, 2023
Those on the road to retirement (or already there) may benefit from one or more of the changes in SECURE 2.0.
Financial wellness & planning
May 09, 2023
High-income super savers will benefit from new provisions around RMDs, 529 plans, and more.
Retirement
December 08, 2022
Sustainable withdrawal rates can vary considerably, depending on the levels of desired bequests, portfolio depletion risk, and asset allocation, highlighting the need for customization rather than relying on a single rule of thumb.
Retirement
March 16, 2023
Retiring and relocating typically unlocks $100,000 in home equity for retirement, Vanguard research finds.
Retirement
July 24, 2023
Automatic savings features have helped participants sock away more—sometimes significantly so—for retirement.
Retirement
November 30, 2022
Sustainable withdrawal rates can vary considerably, depending on the levels of desired bequests, portfolio depletion risk, and asset allocation, highlighting the need for customization rather than relying on a single rule of thumb. Learn more about the feasible ranges.
Financial wellness & planning
April 25, 2023
New provisions can help young savers who are saving for retirement and also trying to meet nearer-term goals.
Financial wellness & planning
October 20, 2022
The traditional target-date fund might be too conservative for some retirees in poor health. Such investors might consider personalized advice.
Financial wellness & planning
October 19, 2022
Vanguard managing director John James describes how simple it can be to start saving for retirement, from taking advantage of the company match within an employer plan to considering a target-date fund.
Financial wellness & planning
October 18, 2022
Updated Vanguard research highlights three key steps to help people choose Medicare coverage options.
Retirement
October 17, 2022
Maria Bruno, Head of U.S. Wealth Planning Research at Vanguard, explains what investors should keep in mind to determine whether they are on track for a secure retirement.
Retirement
October 06, 2022
Understanding your health care priorities and available coverage types can help you choose a Medicare coverage option, according to Vanguard researchers.
Portfolio considerations
September 15, 2022
A new Vanguard research paper sheds light on how investors’ health state can affect their asset allocation and consumption in retirement.
Notes: All investing is subject to risk, including the possible loss of the money you invest. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your account. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Diversification does not ensure a profit or protect against a loss.
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