The 18th edition of How America Saves delivers a comprehensive analysis of the retirement savings behavior of 5 million participants in over 1,900 defined contribution (DC) retirement plans for which Vanguard provides recordkeeping services. Our data-rich report examines trends in how participants accumulate, manage, and access retirement savings.
2019 edition highlights
6 of 10 Vanguard participants were invested in a professionally managed allocation at year-end 2018. The growing use of target-date funds continues to drive this trend.
In 2018, 9 of 10 plan sponsors offered target-date funds, covering 97% of participants in plans offering target-date funds. 52% of all Vanguard participants were invested in a single target-date fund.
At year-end 2018, 48% of Vanguard plans had adopted automatic enrollment and 61% of new plan entrants were enrolled via automatic enrollment.
This year, we again provide a 15-year look back highlighting automatic enrollment and the evolution of balanced investment strategies. Want to learn more? Read the research paper
The information contained herein does not constitute an offer or solicitation and may not be treated as an offer or solicitation in any jurisdiction where such an offer or solicitation is against the law, or to anyone to whom it is unlawful to make such an offer or solicitation, or if the person making the offer or solicitation is not qualified to do so. Broker-dealers, advisers and other intermediaries must determine whether their clients are eligible for investment in the products discussed herein.
All investing is subject to risk, including possible loss of principal. Investments in bonds are subject to interest rate, credit, and inflation risk.
Investments in target-date funds 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 work force. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in target date funds is not guaranteed at any time, including on or after the target date.
Past performance is no guarantee of future returns.
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