Retirement

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

It’s beginning to look a lot like RMD season

I recently ran into a retired Vanguard colleague, and he asked about what to do with his RMD. He’s in the enviable position of not needing his RMD in order to meet his spending needs. But, he’s not alone.

A … Read more

Recent Posts

Understanding 401(k) fees

As I’ve discussed in prior blog posts, 401(k) account balances for many Americans have recovered as a result of better financial markets and ongoing contributions. In tandem, the debate over 401(k)s has shifted—to the question of fees.

Critics share … Read more

Annuities for retirement income?

Vanguard is not an insurance company, but that doesn’t mean we don’t appreciate the potential value that some see in having a guaranteed income in retirement.
In fact, you may have heard that Vanguard recently introduced Vanguard Annuity Access™, … Read more

Does the 4% rule hold up?

I’m often asked what I think about the “4% rule” for spending in retirement. According to this rule of thumb, an individual who is planning on a 30-year investment horizon and is holding a broadly diversified and balanced investment portfolio … Read more

The fiscal outlook: Tough choices ahead

The long-term budget outlook for the federal government is bleak. What is surprising is that this is considered news.

The forces driving the U.S.’s long-term budget problem have been known for decades. We’ve also known for years that sometime in … Read more

Retirement: Who’s ready, and who’s not?

Here’s the good news: Half of Americans are “on track” financially for retirement.

The bad news? The other half aren’t. … Read more

Retirement savings success

Ask a Vanguard investor about what it takes to be successful at saving for retirement, and he or she would probably tell you to start saving early, save as much as you can, invest in a low-cost diversified portfolio, and … Read more

The millionaire’s dilemma

What’s the typical income of a U.S. retiree? $40,000? $50,000? Higher, lower?

It’s $31,157 as of 2008.

That’s the median income of households age 65 and older as reported by Pat Purcell of the Congressional Research Service. The median means … Read more

Annuity—or not?

I recently attended a conference in Washington on the question of retirement income—how baby boomers will generate income from their 401(k) accounts once they retire.… Read more

The new retirement

A new poll from Gallup says that Americans expect to depend more on Social Security when they retire—and less on 401(k)s, IRAs, and part-time work. I don’t believe it for a minute.… Read more

When to start spending your retirement savings

For many years, the government has published statistics on Americans’ age and employment. A version of that data is shown in the chart below. My sense is that these figures are the basis for much of the conventional wisdom on … Read more

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