Skip to main content

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.

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.

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.

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.

Get more from Vanguard. Call 800-962-5028 to speak with an investment professional.

Custom financial plan
Ongoing portfolio oversight
Investment coaching
Real-time goal tracking
All at a low cost
Reach your goals with advice from Vanguard

We're here to help

Talk with one of our investment specialists.

Call 888-499-9792

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

Make a plan to replace your paycheck


Use our handy tools

You've been saving your whole life. Will it be enough to last you through retirement?

Roll over your retirement money

Did you leave retirement savings behind at an old job? Get more flexibility and easier money management.


Layer opened.

Asset mix

The way your account is divided among different asset classes, including stock, bond, and short-term or "cash" investments.

Layer opened.


A complete view of all the money in your account—i.e., not specific investments.

Layer opened.


Usually refers to investment risk, which is a measure of how likely it is that you could lose money in an investment. However, there are other types of risk when it comes to investing.