Tag Archives: 401(k)

Bad facts, bad story

There are only two reasons you appear on the cover of Time magazine—either you are receiving plaudits from the media, or you’re about to be tarred and feathered. 401(k)s are featured on the cover of Time this week, and it’s … Read more

At the risk of sounding like a broken record …

I realize this will be about my third post on this issue, but the things people are writing about 401(k)s just get more and more absurd, and it’s tough to sit by and let this go unchallenged.

Now the editors … Read more

The retirement oil tanker

Each year in August we publish a compendium of statistics about 401(k) plans administered at Vanguard. As the report covers over 3 million American participants, it often generates a lot of interest from the media, policymakers, consultants, and employers. (You’re … Read more

The pros and cons of an IRA rollover

I recently participated in a live webcast attended by a number of Vanguard retirement plan participants. The topic was retirement investing, and questions came fast and furious. We answered as many as we could in our allotted 30 minutes.

One … Read more

A standing ovation for a financial innovation

There’s been lots of talk since late last year about the plusses and minuses of financial engineering, including a debate (see blogs by Felix Salmon and Tyler Cowen) about the overall merits of various modern financial innovations. While it’s … Read more

Finding balance in stormy seas

Of all the generally accepted investment concepts called into question by the recent market environment, it seems to me that rebalancing is pretty close to the top of the list.

During late 2008 and early 2009, rebalancing your portfolio to … Read more

401(k) loans: Are you really taxed twice?

Following my recent post on 401(k) loans, a number of you asked for more detail on the rules around taxes on plan loans and repayments. So I thought I’d delve deeper into the topic of being (or not being) … Read more

Your 401(k): Nest egg or slush fund?

One of our readers recently asked about Vanguard’s view on 401(k) loans.

As you might know if you’ve poked around Vanguard.com, we generally frown upon retirement plan loans, to put it mildly. In fact, Vanguard’s intranet for employees recently featured … Read more

The new retirement math

For retirement investors, the weak 10-year track record of stocks means it’s time to renew a focus on the economics of retirement. The math is pretty simple, at least at a high level:

Contributions (C) + investment returns (R) = … Read more

“201(k)” revisited

My recent blog post on 401(k) accounts has generated controversy among some Vanguard investors.

Perhaps the biggest complaint was that I was trying to distort statistics by focusing on the change in 401(k) account balances during 2008. The evolution of … Read more

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.

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