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Employee benefit resources

Employee benefit resources

Manage the complexities of today’s investment and retirement landscape

Manage the complexities of today’s investment and retirement landscape

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Fiduciary and regulatory

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Investments

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Retirement planning

How America Saves 2018: Telling the retirement story with data

Long-term care... what you see ISN’T all there is

Article

Vanguard retirement expert Jean Young says factoring long-term care into our retirement planning--our health and wealth planning--is something proactive we can do to help mitigate our concerns.

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How America Saves 2018, small-business edition

Whitepaper

This supplement to the 17th edition of How America Saves focuses on Vanguard Retirement Plan Access data. This report is designed to help small-business defined contribution plan sponsors understand how their plans compare with other small-business plans.

This supplement to How America Saves 2018 provides an analysis of small-business plans for Vanguard Retirement Plan Access clients.

  Read executive summary

 | 

  Read white paper

Planning for health care costs in retirement

Whitepaper

Health care costs are rising faster than inflation, and retirees might need to alter their approach to paying for health care. Vanguard's new model for forecasting health care costs for U.S. retirees can be used to help clients map out their health care expense plan.

This paper provides a new model for forecasting health care costs for U.S. retirees. Use it to help clients map out their health care expenses in retirement.

  Read executive summary

 | 

  Read white paper

Vanguard's roadmap to financial security

Article

For your retired clients, financial security is of the utmost importance. But the investment choices can be overwhelming. This research paper provides a decision-making framework to help you help every retired client develop a personalized roadmap to financial security.

This paper provides a decision-making framework to help you help retired clients develop personalized roadmaps to financial security.

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Is 5% the right return target for institutional investors?

Article

A 5% return has been the standard objective for institutional investors. However, data prove that investors have about a fifty-fifty chance of meeting that goal. So is it a realistic objective? This paper examines what it might take to consistently reach a 5% return.

A 5% return has been the standard objective for institutional investors. This paper examines how realistic that is and what it might take to reach that goal.

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A tipping point for target-date funds

Article

In October 2017, Vanguard plan participants reached a tipping point: Half of all Vanguard participants are invested in a single target-date fund--and 57% are invested solely in a professionally managed allocation.

Target-date funds are helping dramatically reshape retirement investment outcomes for participants who use them.

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HSAs: The tax code’s next sleeper hit

Blog

Health savings accounts (HSAs) can be a practical addition to your advisory toolkit. Andy Clarke explains how.

Health savings accounts (HSAs) can be a practical addition to your advisory toolkit. Andy Clarke explains how.

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Assessing the inclusion of alternatives in target-date funds

Whitepaper

As the use of target-date funds increases, investment managers are turning to alternative strategies to differentiate their life-cycle products. This commentary piece looks at some of these strategies through a lens of TDF-specific portfolio construction considerations.

This commentary piece examines investment managers' use of alternative strategies in target-date funds to differentiate their life-cycle products.

  Read executive summary

 | 

  Read white paper

Duty, opportunity, mastery: Investment committee best practices

Whitepaper

This paper draws on independent research, a survey of more than 600 investment committee members, and observation of and participation in investment committee meetings across the globe to create Vanguard’s best practices for investment committees.

This paper provides insights into the makeup of investment committees, including their behavior and individual committee members’ duties and responsibilities.

  Read executive summary

 | 

  Read white paper

Here’s to 2017 and the future of retirement readiness

Article

With sponsors increasingly focused on retirement readiness, Vanguard’s head of Retirement Plan Client Services explains how plans can help prepare employees to retire at a time that makes sense for both them and your organization.

Vanguard’s head of Retirement Plan Client Services discusses how plan design and planwide events can help prepare employees for retirement.

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Vanguard Life-Cycle Investing Model: A framework for building target-date portfolios

Article

Interest in tailored target-date fund solutions continues to grow. New tools from Vanguard can help plan sponsors determine if their plan participants could benefit from a glide path designed for their unique participant populations.

New tools from Vanguard can help plan sponsors determine if their plan participants could benefit from a glide path designed for their unique participant populations.

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Withdrawals from financial accounts in retirement

Whitepaper

This Vanguard research paper explores the nature of financial account withdrawals and shows that current spending rates are modest and appear reasonable for the vast majority of retirement households.

Learn why savings and not withdrawals should be the key measure of whether retirement savings are sustainable.

  Read executive summary

 | 

  Read white paper

No rest for the disorganized fiduciary

Audio  |  Transcript available

In an 11-minute podcast, Wendy Tyson, a senior ERISA consultant and manager in Vanguard Strategic Retirement Consulting, discusses fiduciary best practices in the organization of retirement plan investment committees.

In this 11-minute podcast on fiduciary best practices, Vanguard's Wendy Tyson discusses some hallmarks of a well-organized investment committee.

  Listen to audiocast

 | 

  Read transcript

On the mind of the TDF plan sponsor—Trends, due diligence, and customization

Video  |  Transcript available

This brief video features Vanguard experts, Matthew Brancato and John Croke, offering insights on recent target-date trends, fiduciary due diligence, and customization.

In this short video for plan sponsors, Vanguard experts discuss the latest trends in target-date funds, fiduciary responsibility, and customization.

  Watch video

 | 

  Read transcript