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7 Real-Life Lessons for a Dream Retirement


Planning for retirement is a long-term project with a lot of moving parts. It’s nearly impossible to anticipate every potential bump in the road.

One great source for information (and inspiration) is people who have already retired. Talking with current retirees about the “coulda, woulda, shoulda” lessons they’ve picked up along the way is a great way to prepare for your own journey.

In fact, Vanguard recently did just that. Vanguard blogger Julie Virta asked retired investors to share some things they would change if they had a “do-over.” That is, aspects of planning for retirement that they wish they’d done differently or not at all.

Take a look at some of their revelations. You’ll discover many real-world lessons about managing taxes, handling debt, planning for Social Security, preparing for emergencies, deciding how you will spend your time, and thinking long-term. It’s invaluable insight and advice that can help you make important decisions about your own future.

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

The amount you convert to a Roth IRA isn't subject to the 10% penalty that's charged on traditional IRA withdrawals taken before you reach age 59½.

There are important factors to consider when rolling over assets to an IRA. These factors include, but are not limited to, investment options in each type of account, fees and expenses, available services, potential withdrawal penalties, protection from creditors and legal judgments, required minimum distributions, and tax consequences of rolling over employer stock to an IRA.

You may wish to consult a tax advisor about your situation.

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This content was provided by Vanguard. Kiplinger is not affiliated with and does not endorse the company or products mentioned above.

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