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Perspectives and news
Research summary
Young workers benefit from retirement plan improvements
401(k) savers are saving more than ever before, thanks in large part to plan design improvements over the past 20 years.
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Labor market pulse: Hiring is moderating
Hiring has moderated in recent months, which aligns with employment reports, suggesting a slower summer hiring season.
Active Fixed Income Perspectives Q3 2024: The high road
We may be approaching a turning point in the economic cycle, historically a good environment for higher-quality bonds.
The "sticky" IRA cash trap
Investing the cash sitting in IRAs could help put millions of Americans on a better path to retirement.
Research spotlight
Retirement
Liquidity without leakage: How to design emergency expense withdrawals from retirement plans
A new 401(k) provision may allow for short-term liquidity without sacrificing participants’ retirement outlook. Plan design is the key.
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Tax-loss harvesting: Why a personalized approach is important
Vanguard research on setting expectations and maximizing the probability of success when using a tax-loss-harvesting strategy.
It’s elementary: Using 529s to pay for K–12 education
This paper explores how investors can build additional wealth through tax savings by using a 529 plan for K–12 tuition.
How America Saves 2024
In its 23rd edition, How America Saves provides an in-depth examination of the retirement plan data of nearly 5 million defined contribution plan participants across our recordkeeping business.
