Vanguard Research Finds the Next Retirement Challenge Begins When Saving Ends
PR Newswire•29/10/2026•09:00 ET
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Key Highlights
- ➤About half of retirees initially remain in workplace plans after retiring
- ➤Flexible withdrawal options make recent retirees over 40% more likely to stay
- ➤Only 15% withdrew all workplace retirement account cash in retirement year
- ➤About 40% of self-directed retirees hold very aggressive or conservative portfolios
- ➤Installment withdrawals generally produce smaller account withdrawals than occasional withdrawals
Expert Statements
Lauren Valente, Managing Director of Vanguard Workplace Solutions
“Defined contribution plans have helped millions of Americans make meaningful progress in building the savings they need for retirement. But the move from decades of accumulation before retirement to decades of decumulation during retirement is one of the most personal, significant financial shifts people navigate.”
Lauren Valente, Managing Director of Vanguard Workplace Solutions
“Education, advice, and thoughtful retirement plan design can help retirees understand their options and spend with confidence.”
Vanguard Research Finds the Next Retirement Challenge Begins When Saving Ends PR Newswire
Vanguard releases second annual How America Retires report exploring the decisions retirees face when turning their savings into income
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