Q&A: Vanguard strategist on saving for retirement and spending when you get there

Oct. 7, 2024 - AOL

One afternoon I popped into the Vanguard Investments tent to sit down with Colleen Jaconetti, a senior investment strategist for Retirement Solutions at Vanguard. Colleen Jaconetti, a senior investment strategist for Retirement Solutions at Vanguard.

(Photo courtesy of Vanguard) (Vanguard)Let’s talk about the angst people have about spending in retirement. When you think about spending in retirement, don't be so narrowly focused on preserving principal that you forgo diversification.

If there’s a period of prolonged underperformance — especially early in retirement — year-over-year real spending could decline each year...