From assets to income: A goals-based approach to retirement spending

September 26, 2016

 

The investment landscape for retirees has changed, and guaranteed sources of income such as defined benefit pension plans are less prevalent than before. Now, more retirees depend on their investment portfolios to provide for both their short-term spending needs and their long-term financial goals.

In this white paper, the authors describe Vanguard's portfolio-based retirement-income strategy, examine its potential challenges and benefits, and compare it with other common retirement-income strategies.

Use this paper to:

  • Understand Vanguard's approach to spending and saving in retirement without relying on guaranteed sources of income.
  • Examine how spending rules, portfolio construction techniques, and tax efficiency can affect a portfolio-based retirement-income strategy over time.
  • Compare the results of Vanguard's retirement-income strategy with those of common alternatives.
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Additional materials

Note:

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

 

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