Our retirement income strategy multiplies the power of you

Goals, risk tolerances, and resources differ from participant to participant—as do health, longevity, and tax situations. There is no one-size-fits-all retirement income solution.

Vanguard offers an inclusive range of products, cutting-edge research, and advice provided through a fully integrated client experience that supports the complete scope of financial well-being for all of your participants.

A holistic range of solutions

Participants who prefer to manage their income in retirement can access products, services, and guidance designed to help them meet their spending needs.

Those looking for help can select from among our advice offers. With advice, we have the ability to create more tailored retirement income solutions to meet the unique needs and circumstances of your participants.

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Retirement income solutions include Self-directed, Situational Advice, Digital Advisor, and Personal Advisor Services

Meeting the retirement income needs of self-directed participants

Vanguard target-date strategies that support spending goals with embedded asset allocation as well as other Vanguard funds and trusts that support asset reserve goals such as contingency reserves and legacies.

A personalized retirement plan paycheck based on characteristics such as a participant's asset allocation and age. It is customizable and can model what-if scenarios to help participants understand how changing their retirement income, saving levels, or age will affect their retirement outlook. Additionally, it will enable participants to set up monthly installments—payments based on Vanguard's thought leadership on spending.

Advanced guidance tools that anticipate and adapt to changing retirement needs. Our goal is to put every participant at the center of a world-class support ecosystem that evolves as they build financial well-being and retirement security.

Using advice to help solve participants' retirement income needs

Our research has shown that offering participants advice solutions at all stages of their financial journey—including leading to and through retirement—can help them achieve financial well-being.

From a one-time plan to a digital experience to comprehensive financial planning with a Vanguard advisor, our advice offer allows for the development of a drawdown strategy unique to each retiree's individual goals.

Currently available only to our record-kept participants, work is underway to provide our advice solutions to all of our clients.

Situational Advisor

Our one-time, advisor-led consultation to support participants in navigating particular life events, such as financial windfalls, job changes, and growing families.

Digital Advisor

Our online solution for investors that want traditional investment management and prefer an all-digital platform.

Personal Advisor Services

Our high-tech, high-touch service for participants who want access to advice both digitally and from a Vanguard advisor.

A focus on participant guidance

We are wrapping the spending service and investment strategies into one intuitive, digital retirement solution.

An end-to-end wealth planning experience, it will deliver a personalized retirement income solution driven by cutting-edge technology and advanced guidance tools. Every participant will be at the center of a streamlined retirement support ecosystem that evolves as they build financial well-being and retirement security.

This will include effective guidance regarding which target-date strategy aligns with a participant’s spending goals.

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All investing is subject to risk, including the possible loss of the money you invest.

Investments in Target Retirement Funds and Trusts are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Income Trust/Fund and Income and Growth Trust have fixed investment allocations and are designed for investors who are already retired. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.

Vanguard is responsible only for selecting the underlying funds and periodically rebalancing the holdings of target-date investments. The asset allocations Vanguard has selected for the Target Retirement Funds are based on our investment experience and are geared to the average investor. Investors should regularly check the asset mix of the option they chose to ensure it is appropriate for their current situation.

Vanguard Target Retirement Trusts are not mutual funds. They are collective trusts available only to tax-qualified plans and their eligible participants. Investment objectives, risks, charges, expenses, and other important information should be considered carefully before investing. The collective trust mandates are managed by Vanguard Fiduciary Trust Company, a wholly owned subsidiary of The Vanguard Group, Inc.

Vanguard Digital Advisor's services are provided by Vanguard Advisers, Inc., a federally registered investment advisor. Go to vanguard.com/digitalbrochure for important details about this service. Vanguard Digital Advisor's financial planning tools provide projections and goal achievement forecasts that are hypothetical in nature. They are provided for educational purposes only and are not guarantees of future results.

Vanguard Personal Advisor Services are provided by Vanguard Advisers, Inc. (VAI), a registered investment advisor, or by Vanguard National Trust Company (VNTC), a federally chartered, limited purpose trust company. The services provided to clients who elect to receive ongoing advice will vary based upon the amount of assets in a portfolio. Please review the Vanguard Personal Advisor Services brochure for an overview of the service.

Vanguard Situational Advisor is provided by Vanguard Advisers, Inc. (VAI), a registered investment advisor. Eligibility restrictions may apply.

Neither VAI nor Vanguard Situational Advisor can guarantee a profit or prevent a loss.