Tag Archives: saving

For those wearing caps and gowns …

My brother-in-law will be graduating from college in a few days, and that has me thinking back to when I started my career a few years ago.

As I set out on my own, I had many questions about finances: … Read more

Retirement: What’s your number?

I’m at the stage in my career where I’m willing to contemplate the fact that retirement is on the horizon—probably in the next 10 years or so.

Increasingly, I find myself talking about “retirement readiness” with friends and colleagues who … Read more

Retirement blues

A recent article in the Wall Street Journal tells a sad tale of retirement preparedness: The typical pre-retiree baby boomer has less than one-quarter of what he or she needs in a 401(k) plan to retire.

In my view, this … Read more

A tactical approach to retirement (part 2)

In my January 25 post, I looked at two tactical retirement issues: improving savings rates and evaluating portfolio risk levels. In this post, I’ll wrap up with three additional ideas.… Read more

A tactical approach to retirement (part 1)

In my January 5 post, I wrote about big developments shaping retirement in 2011. In this and an upcoming post, we’ll look at simple retirement planning tactics individual investors may want to consider.

1. Savings rates. There’s a … Read more

Retirement themes for 2011

Here are several “big picture” retirement themes I expect to hear more of in the coming year. I’ll come back later in the month with a post on personal retirement tactics.… Read more

Resolved …

I’m pretty sure that I resolved several years ago to stop making New Year’s resolutions. My track record at sticking to resolutions was abysmal.

Actually, I’ve done pretty well at hitting savings goals over the years, because I don’t rely … Read more

Savings vs. stimulus

The current economic recovery is weak, but that’s hardly news. There are many explanations for this meager improvement, but perhaps one of the most telling is a large jump in personal savings in the United States.… 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

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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