Retirement

Ideas on how to build your retirement nest egg and make your savings last.

Debt and retirement

This may seem like an obvious point, but successfully planning for retirement has always required managing two sides of the household balance sheet: building savings and managing debt.

Two recent reports highlight how the debt side of the retirement balance …

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Recent Posts

Early in your career? Consider a Roth

Here at Vanguard, we’re in our busy season. As clients set New Year’s resolutions to save more and prep for submitting their taxes, we receive more phone calls and emails. There’s a tradition at Vanguard where employees from around the …

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Your retirement plan in 2013

It’s early in 2013. Stocks had a terrific year in 2012, the fiscal cliff has been avoided—and so now’s the perfect time to reconsider your retirement plan, right?

Well, yes and no. Yes, tax time is a good time to …

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Health and wealth in retirement

If I were asked what an investor should do to maximize retirement wealth, I’d tick off my standard list, my rules of thumb. Start saving early—and regularly. Keep debt under control. Maximize the use of tax-deferred retirement accounts, like 401(k)s. …

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Maximizing retirement account balances

I was just reading a blog that reported the typical pre-retiree had $42,000 in a 401(k) account as of 2010. Yet, I happen to know the actual figure is more like $100,000. These two numbers reveal how much confusion can …

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Too gloomy a view

Retirement systems are dynamic and can be expected to change over time. But one hindrance to thinking about change is the common practice of promoting excessively gloomy views of retirement outcomes in the United States. For example, a recent New

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Wealth implosion 2007-2010

The headline is dramatic. For the typical American household, net worth is down 39% from 2007 to 2010. That puts net worth for the typical household back where it was in the early 1990s. This data is from the Federal …

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401(k)s in the crossfire

401(k)s remain a focal point of criticism when thinking about retirement security in America. One example is a recent op-ed column in The New York Times.

Perhaps the most commonly cited concern about 401(k)s is the size of current …

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Negotiating your retirement date

The headline “He Wants to Retire … but She Doesn’t” was one of the most popular articles in the April 9 Wall Street Journal.

What struck me most was the author’s comment that many of the people she interviewed …

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Investment costs hit retirees with double whammy

A while back, I wrote about how people often miss the impact of investment costs on wealth accumulation. Today, I want to make sure readers know that it’s as critical for retirees (people spending money) to think about how costs …

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A crisis of confidence?

The latest figures are out from the Employee Benefit Research Institute (EBRI) in Washington, D.C. Unsurprisingly, “retirement confidence” remains down from its peak in 2007, and is at levels similar to what we saw during the Great Recession.

What’s going …

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