Saving for Retirement

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Retirement Week: Time to reflect and see if you're on the right track

October 18, 2013

National Save for Retirement Week (October 20-26) is an annual event designed to raise public awareness about the importance of saving for retirement. It began in 2006 and takes place each October with support from Vanguard, other investment and financial services companies, and the U.S. Congress.

Throughout the week, our Facebook, blog, and Twitter channels will be offering valuable tips and information on saving for retirement. We've also collected resources to help you reflect on your personal retirement goals and determine if you're on target to reach them.

News
AUGUST 21, 2013

6 tips for making the most of your 401(k)

If you're able to participate in a 401(k) or other employer-sponsored retirement plan, you can take a few simple steps to build your confidence and help put yourself on the road to a financially secure retirement.

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JULY 5, 2013

Survey shows confusion on how much to save for retirement

When aiming for retirement, many workers are like amateurs at an archery range. A bull's eye is rare, and most miss the target. Countless surveys have shown that many workers haven't calculated or considered how much they'll need to save for retirement, according to Steve Utkus, head of the Vanguard Center for Retirement Research.

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MARCH 25, 2013

5 simple rules for investing in an IRA

One way to make investing for retirement easier is to set aside money each year in an IRA. An IRA offers tax advantages that, over time, can help you accumulate more money for when you're no longer working.

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Interactive tools and planning guides

Set your retirement goals

Investing for retirement doesn't have to be complicated. The key is to determine how much you'll need and then develop a plan to achieve your goal. Our interactive calculator will estimate your total retirement savings at age 65 and the amount you'll be able to withdraw monthly.

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Find out how investment costs affect retirement spending

Investment costs may not be the first thing you think of when you consider the risks to your retirement portfolio. However, higher investment expenses can reduce your income stream and your principal balance. Our interactive tool shows how lowering your costs can help increase the amount of money you have available to spend each year in retirement.

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Estimate your retirement income and expenses

Our interactive worksheets can help you estimate your total monthly income in retirement and determine whether it will meet your financial needs. After you've entered your estimated income for each category, as well as your income tax rates and estimated monthly expenses, we'll show you how much you'll need to withdraw from your investments each month.

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Set up a retirement income plan

You may not miss working after you retire, but you'll almost certainly miss the paycheck. If you're like most retirees or soon-to-be retirees, you're concerned about maintaining a steady income and making your savings last. See how tax-efficient withdrawals from your investments can help you reach both goals.

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Notes:

  • All investing is subject to risk, including the possible loss of the money you invest.
  • Consider consulting a tax advisor about your individual situation.
  • If you take withdrawals from a tax-deferred investment before age 59½, you may have to pay ordinary income tax plus a 10% federal penalty tax on withdrawals.
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