The outlook for retirement readiness within the U.S. presents each challenges and alternatives. Understanding the interactions between retirement coverage, the economic system, and particular person saving is vital in bettering America’s retirement outlook and rising the chance of retirement success. Under are a collection of views that shine a lightweight on preparedness and potential options that may assist extra People retire with confidence.
Vanguard Retirement Outlook (Whitepaper)
By higher understanding the elements that affect retirement readiness, Vanguard can assist construct options that assist extra staff obtain retirement safety. On this report, Vanguard explores how American staff throughout generations and earnings ranges are navigating as we speak’s challenges, and Vanguard continues to advocate for better retirement safety for all.
How America Saves 2025: Key developments and insights (Whitepaper)
This detailed research of employer-sponsored retirement plans affords a blueprint for assembly the wants of all staff, setting them up for fulfillment at each stage of their lives, and enhancing outcomes via higher plan design.
Moments that matter: Financial savings and the silver tsunami (Knowledgeable perception)
Everybody could make good strikes with their investments. Every side right here affords a possibility to create a second that may matter for us, our mother and father, or the following in line. As child boomers retire, it’s a good time to consider who’s subsequent in line and to point out up for them in these financial savings moments that matter most.
Mitigating 401(ok) leakage with emergency financial savings (Analysis abstract)
American staff are making strides in saving for retirement- amongst eligible staff in Vanguard – administered retirement plans, 82% participated in 2024 (Vanguard, 2025). But Vanguard’s analysis exhibits that what goes in generally comes out sooner than anticipated. This analysis explores why early withdrawals occur and share survey insights about how emergency financial savings can assist protect retirement financial savings.
Retirement prepared: 6 steps to prep for well being care wants (Analysis abstract)
New Vanguard analysis lays out a framework to assist buyers and their monetary planners navigate retirement well being care priorities. Retirees and those that take care of them want a plan to arrange for the altering wants introduced on by superior getting old – failing well being, bodily frailty, and cognitive decline – in addition to the associated prices.
A “BETR” strategy to assess Roth IRA conversions (Analysis abstract)
The break-even tax price (BETR) affords a better, extra complete strategy to consider Roth IRA conversions. By factoring in present and future tax charges, funding sources, and funding horizons, the BETR can assist buyers and advisors make knowledgeable, tax-efficient choices that help long-term retirement objectives.
