Vanguard's roadmap to financial security: A framework for decision making in retirement

25 July 2018 | Portfolio construction


Retirement is complex. In the face of often competing goals and numerous risks, the choices can be overwhelming, leaving many retirees unsure of where to begin.

Our latest research provides a retirement planning framework designed to help balance the many decisions to be made. Our step-by-step framework helps you show how retirees can capture their unique priorities and use their financial resources in a way that best aligns with achieving their goals and mitigating their risks


Determine retirement goals
Understand the risks
Assess resources
Develop plan


Additional resources

Research paper - From assets to income
From assets to income: A goals-based approached to retirement spending.

Research paper - The role of the age pension in your retirement plan
Understanding age penions benefits to create the best chance for financial security and success in retirement.