Stocks and bonds have very different expected and historic returns and volatility, and…stocks outperform bonds by a very significant amount," Art Stein said.

In the run-up to retirement, your asset allocation needs to match your risk tolerance without eliminating potential for growth. Here's how to find the right mix.

Margaret Giles: Hi, I’m Margaret Giles for Morningstar. If you’re like many investors, the up-and-down market of the past few months may have prompted you to question your portfolio’s asset allocation ...

Vanguard’s VRIF ETF is tilting toward bonds to provide retirees stable income, balancing caution with a 4% annual payout target.

The market has been especially unpredictable in recent years. In June 2023, for example, analysts at Deutsche Bank predicted a "near 100%" chance that a recession would begin within the next 12 months ...

Traditional retirement allocation formulas are outdated; equity exposure should be based on income, risk tolerance, and net worth, not just age. Read more here.

According to the CDC’s latest data, U.S. life expectancy at birth reached 79.0 years of age as of 2024, the highest on record and a full 0.6-year increase from the prior year. More relevant for ...

When planning for retirement, most investors concentrate on what to invest in—stocks, bonds, cash, and other assets. But an equally important, and often overlooked, decision is asset location—which ...

In a survey published by Clever Real Estate in January 2026, American retirees said they believed the average retiree will need $823,000 in savings and investments to cover their retirement in the ...

It's tough to retire a tad earlier than the traditional age, even though you may know at heart that you've probably got far more than enough. As with most things relating to budgets, there is no magic ...

Life cycle funds are open-ended funds with attributes of predetermined maturity and glide path for goal-based investing. Read ...