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Retirement

Retirement

Constructing retirement plans that meet investors' needs

A better approach to Roth conversions

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.

Strategies for factoring the potential costs of long-term care into retirement planning.

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Podcast: How to think about health care costs in retirement

Audio  |  Transcript available

In this 15-minute podcast, Vanguard wealth planning analyst Stephen Weber helps investors think clearly about planning for health care costs in retirement.

In this 15-minute podcast, Vanguard wealth planning analyst Stephen Weber helps investors think clearly about planning for health care costs in retirement.

  Listen to audiocast

 | 

  Read transcript

A BETR approach to Roth conversions

Whitepaper

Investors typically decide whether to convert to a Roth IRA from a traditional IRA by comparing their current and expected future marginal tax rates. This research introduces a break-even tax rate (BETR) to help investors decide whether they should make a conversion.

This Financial Planning Perspectives paper introduces a break-even tax rate (BETR) to help investors decide whether they should make a Roth conversion.

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 | 

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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.

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 | 

  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.

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 | 

  Read white paper

How America Saves 2018: Telling the retirement story with data

Whitepaper

The 17th edition of How America Saves analyzes 4.6 million plan participants' retirement savings behavior. This report provides advisors with data and useful insights on current trends that may affect their clients’ defined contribution plans.

The 17th edition of How America Saves analyzes 4.6 million plan participants’ retirement savings behavior and identifies current trends.

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 | 

  Read white paper

Help clients reach their retirement goals with this road map

Audio  |  Transcript available

In this 15-minute podcast, Kelly McShane of Vanguard Investment Strategy Group explains Vanguard research offering step-by-step guidance to retirement planning. Topics include how to set retirement goals, assess risks, determine resources, and develop a plan.

In this 15-minute podcast, Kelly McShane of Vanguard Investment Strategy Group explains Vanguard research offering step-by-step guidance to retirement planning.

  Listen to audiocast

 | 

  Read transcript

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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Are you overlooking HSAs as a retirement savings tool?

Audio  |  Transcript available

Health Savings Accounts (HSAs) can help clients cover medical costs, but they also can be a useful retirement planning tool. In this 12-minute podcast, Vanguard's Andy Clarke and Jonathan Kahler detail how you can help clients leverage HSAs to save for retirement.

Health Savings Accounts can help defray medical costs, but could they also be a retirement savings tool? Find out their tax benefits in this 12-minute podcast

  Listen to audiocast

 | 

  Read transcript

HSAs: An off-label prescription for retirement saving

Article

More people are adopting high-deductible health plans and Health Savings Accounts (HSAs) to cover their medical costs. But HSAs can do more than defray medical costs, they can be leveraged as a tax-advantaged retirement tool. This research paper details how.

Health Savings Accounts are a tax-advantaged savings option that can help clients cover medical costs or save for retirement. This paper details 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.

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 | 

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$106,000 for coffee? Let’s talk compounding

Blog

How do you show clients the importance of saving more? Show them their spending through a compounding lens.

How do you show clients the importance of saving more? Show them their spending through a compounding lens.

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$106,000 for coffee? Let’s talk compounding

Blog

How do you show clients the importance of saving more? Show them their spending through a compounding lens.

How do you show clients the importance of saving more? Show them their spending through a compounding lens.

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Year-end financial planning moves to manage the Roth conversion “zone”

Blog

Are you and your clients are thinking about Roths beyond retirement? We have a few tax smart tactics to consider as part of your year-end planning conversations.

Are you and your clients are thinking about Roths beyond retirement? We have a few tax smart tactics to consider as part of your year-end planning conversations.

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Roths beyond retirement: Maximizing wealth transfers

Whitepaper

Roth IRAs are a staple in retirement planning conversations, but they can be useful in estate planning as well. This paper explores using Roth conversions to achieve, or amplify, clients’ wealth transfer goals and factors to consider when doing so.

This Financial Planning Perspectives explores using Roth conversions to help achieve clients’ wealth transfer goals.

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 | 

  Read white paper

A guide for clients in an uneasy world

Blog

How do I help my clients in this uneasy investment environment? Bill McNabb discusses some straightforward investing logic in this blog.

How do I help my clients in this uneasy investment environment? Bill McNabb discusses some straightforward investing logic in this blog.

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

Whitepaper

More and more, guaranteed sources of income in retirement are becoming less prevalent. This white paper examines a portfolio-based income strategy that can help investors maximize their chances of meeting spending and other financial goals over their retirement.

This white paper examines a portfolio-based income strategy that can help investors meet their spending and saving needs throughout retirement.

  Read executive summary

 | 

  Read white paper