Saving for Retirement


Best practices for retirement planning

November 25, 2015

Strategies to help you learn how to meet your spending needs in retirement

Learn strategies that can help you gain confidence about your ability to meet your spending needs once you retire—and perhaps enjoy a few splurges, too. Maria Bruno, a senior retirement specialist with Vanguard Investment Strategy Group, and Christine Benz, director of personal finance at Morningstar, share suggestions on how to use the bucket method for asset allocation, develop a smart plan for spending from your portfolio, and approach required minimum distributions (RMDs).

Video highlights


  • Bond funds are subject to the risk that an issuer will fail to make payments on time, and that bond prices will decline because of rising interest rates or negative perceptions of an issuer's ability to make payments.
  • Please remember that all investments involve some risk. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your account. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income.
  • Diversification does not ensure a profit or protect against a loss.
  • All investing is subject to risk, including possible loss of principal.
  • We recommend that you consult a tax or financial advisor about your individual situation.