Retirement

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

Part two: The 4% spending rule, 20 years later

Thanks very much for the thoughtful comments from my blog post on the 4% spending rule. It was terrific to read your comments and questions, and the best practices that you’re willing to share with other readers. Since it would … Read more

Recent Posts

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 … Read more

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 Read more

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 … Read more

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 … Read more

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 … Read more

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 … Read more

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 … Read more

Retirement ready—or not?

A new report just came out on the retirement prospects for baby boomers.* Its top-line result was that 40% of all boomers aren’t prepared for retirement.

Whenever the topic turns to retirement in America, the language is fairly dismal. Last … Read more

Portfolios and the lost decade

My recent comments about the performance of retirement accounts elicited a wave of comments from Vanguard investors about poor stock market returns. Here are a few thoughts in response.… Read more

Retirement and the market sell-off

When the stock market sells off, as it did in late July and early August, there is an inevitable surge in commentary on the riskiness of U.S. retirement accounts. The main worry is that retirement investors are taking on too … Read more

<Previous1 2 3 4 5 7Next>

Visit vanguard.com or contact your broker to obtain a Vanguard ETF or fund prospectus which contains investment objectives, risks, charges, expenses, and other information; read and consider carefully before investing.

Vanguard ETF Shares are not redeemable with the issuing Fund other than in Creation Unit aggregations. Instead, investors must buy or sell Vanguard ETF Shares in the secondary market with the assistance of a stockbroker. In doing so, the investor may incur brokerage commissions and may pay more than net asset value when buying and receive less than net asset value when selling.

Investments in bond funds are subject to interest rate, credit, and inflation risk.

Diversification does not ensure a profit or protect against a loss in a declining market.

Foreign investing involves additional risks including currency fluctuations and political uncertainty.

Stocks of companies in emerging markets are generally more risky than stocks of companies in developed countries.

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in such a fund.

All investing is subject to risk, including possible loss of principal.

Vanguard Marketing Corporation, Distributor

Follow

Get every new post delivered to your Inbox.

Join 703 other followers