Vanguard: Vanguard Perspectives®

Whether your milepost is a date, a time of year, or a percentage, it's important to consider rebalancing your portfolio to your target allocation. Vanguard investment experts Chris Philips and Kahlilah Dowe discuss how to decide on the right allocation and outline the various scenarios that can help keep your asset mix where you want it.

As an advocate for investors, Vanguard has developed timeless principles to help maximize your chances for investing success. Vanguard investing experts Kahlilah Dowe and Chris Philips define and explain our four pillars: goals, balance, cost, and discipline.

Two leaders of the Vanguard Investment Strategy Group discuss the topics we're hearing in conversations with clients, including ETFs, asset allocation, and the outlook for the markets.

Are ETFs more tax-efficient than other investments? Vanguard investing experts Joel Dickson and James Rowley say they can be, depending on the indexing approach and portfolio management.

China. India. Russia. Brazil. Many emerging-market countries have struggled recently. Will they continue to underperform, or are they due for a turnaround? Vanguard's chief economist puts emerging markets in context and offers guidance for U.S. investors.

If the U.S. economy continues its modest growth, will interest rates head higher? Vanguard's chief economist offers his outlook.

What's baked into the guideline of spending 4% of your portfolio annually in retirement? Vanguard retirement experts Maria Bruno and Colleen Jaconetti suggest adopting a flexible spending plan that combines both percentages and dollar amounts when taking withdrawals.

Retirees' biggest mistake? Spending too much might seem like the obvious answer, but that's not it. Many investors make radical changes to their portfolios because of market volatility. We think it's better to stick with your investment plan and spend from capital appreciation if necessary.

Age 70½ means the beginning of taking your RMD but not the end of your investment planning. Vanguard retirement planning experts Colleen Jaconetti and Maria Bruno define RMDs and discuss some creative ways to reinvest them that can keep your money working for you.

Outliving one's assets is a common concern among retirees. Vanguard retirement experts Maria Bruno and Colleen Jaconetti say an annuity can be an effective "insurance policy" to provide additional income in a retirement portfolio

It's not what you earn but what you keep, and that goes for retirement spending too. Vanguard retirement experts Colleen Jaconetti and Maria Bruno say the order in which you withdraw of your assets is a key factor to ensure your distributions are tax-efficient.

Getting to retirement is one thing, but how do you get through it with enough money to last a lifetime? Vanguard financial planners Mary Ryan and Chuck Riley say a balanced portfolio of stocks and bonds is still a necessary consideration during your retirement years, especially as a hedge against inflation.

With midterm elections approaching, lawmakers on Capitol Hill are considering a number of proposals that would alter the investment landscape. Ann Combs, head of Vanguard Government Relations, provides our perspective on several key tax, budget, and retirement initiatives.

You may not know when you'll need it but you'll be glad you have it: Cash reserves on hand to meet short-term needs. Vanguard financial planners Mary Ryan and Chuck Riley explain one of the few times when investing isn't necessarily an investment.

How can you try to remove the "un" from "unexpected"? Vanguard financial planners Chuck Riley and Mary Ryan say a flexible, well-prepared financial plan with an eye to the future is a good place to start.