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Perspectives : Investment | October 08, 2025
From paycheck to purpose: Retirement unpacked
A record number of Americans will reach age 65 this year—part of a "silver tsunami." The good news: About 42% of all Americans are on track for retirement, while the shortfall gap might not be that onerous for some of the remaining 58%.
But it's important not to focus on just the investment side of the equation, according to Fiona Greig, Ph.D., Vanguard's global head of investor research and policy, and Joel Dickson, Ph.D., Vanguard's global head of advised strategies.
In this episode of Better Vantage, they discuss why retirement is about more than just investing—it's also about planning, managing emotions, and seeking clarity.
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Notes:
- All investing is subject to risk, including possible loss of principal. Diversification does not ensure a profit or protect against a loss.
- Withdrawals from a Roth IRA or 401(k) are generally tax-free if you are over age 59½ and have held the account for at least five years; withdrawals of earnings taken prior to age 59½ or five years may be subject to ordinary income tax or a 10% federal penalty tax, or both. (A separate five year period applies for each conversion and begins on the first day of the year in which the conversion contribution is made.)
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- Target-date investments are subject to the risks of their underlying funds. The year in the investment's name refers to the approximate year (the target date) when an investor would retire and leave the workforce. The investment will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. A target-date investment is not guaranteed at any time, including on or after the target date.
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