Tag Archives: income

Retirement: The married/single divide

One of the most intriguing retirement studies issued in 2012 was by economists James Poterba of MIT, Steven Venti of Dartmouth, and David Wise of Harvard.* Their study looked at wealth holdings among Americans in their late 60s. And one … Read more

Earning income in a low-yield environment

I participated in a live webcast recently on the topic of earning income in a low-yield environment. Here’s a recap of a few of the themes from that session.

One of the persistent questions from the seminar was how long … Read more

Two futures

The “future of retirement” seems very much on the public’s mind. The topic is surfacing in the press, in the institutional marketplace, and will be the focus of a Washington, D.C., policy forum I’m attending in May. Here are some … 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

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

A modest proposal

Given all the back and forth in Washington these days, with policy meetings and dramatic proposals to revolutionize retirement, I’ve got retirement-income solutions on the brain. So here’s a modest proposal for providing “Retirement Income Security for All.”… 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.

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

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