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Investing in retirement

You've worked so hard to save, and now you're finally retired. With the right strategy, you can help make sure your retirement savings last.
3 minute read

1. Calculate the approximate amount you'll need each year

Start by calculating your expenses and your expected income from other sources. The difference between these amounts is what you'll need to cover with your retirement savings.

Calculate your retirement expenses

Calculate your retirement income

2. Determine whether you can safely withdraw this amount

You'll want to make sure your savings can safely sustain your spending over the next few decades. See what your chances are of making your portfolio last, given your personal asset mix and time frame.

See how to make your withdrawals last through retirement


Wondering how to invest now that you're retired? The answer's pretty easy.

For most people, your investing approach in retirement should be the same as it was all along—to determine an appropriate asset mix and then stick with it.

That means you need a balanced portfolio of stocks, bonds, and cash investments that:

  • Is appropriate for your timeline (usually 30 to 40 years).
  • Meets your tolerance for risk.

This approach will generally give you the mix of growth and income that you need in order to meet your spending needs and sustain your portfolio over the long run.

3. Decide which accounts to withdraw from first

By the time you retire, you'll likely have multiple accounts to withdraw from—along with sources of income like RMDs and fund distributions. Here's a tax-efficient way to use your money.

Find out how to set up your withdrawals


The last few years before retirement are critical to reaching your goal. We can tell you whether you're doing the right things.

Get your retirement plan

We're here to help

Talk with one of our investment specialists

Monday through Friday
8 a.m. to 8 p.m., Eastern time

We're here to help

Talk with one of our investment specialists

Monday through Friday
8 a.m. to 8 p.m., Eastern time

Get more from Vanguard. Call 1-855-850-6972 to speak with an investment professional.

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

Vanguard's advice 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 will vary based upon the service selected, including management, fees, eligibility, and access to an advisor. Find VAI's Form CRS and each program's advisory brochure here for an overview.

VAI and VNTC are subsidiaries of The Vanguard Group, Inc., and affiliates of Vanguard Marketing Corporation. Neither VAI, VNTC, nor its affiliates guarantee profits or protection from losses.