Tag: 401k plans

A businessman is looking at a graph on a monitor

It is always interesting to look at Vanguard’s most recent edition of “How America Saves.”  And it is particularly interesting to get the numbers for 2022 – not a good year for the stock market.  Indeed, the news isn’t good for 2022.  More importantly, the longer-run trends – despite a great expansion in auto-enrollment –…

Automation concept with high speed motion blur

Given the large gap between retirement needs and resources, we should ensure that the retirement programs we have work as well as possible.  In the private sector, the main retirement program is 401(k) plans.  These plans are not working as well as they could – a problem that could be remedied with more extensive us…