The Vanguard Guide to Planning for Retirement Saving for Retirement is fast becoming the top financial priority in America. No longer can you depend on past prescriptions for a comfortable retirement. Social Security faces a possible shortfall as more people are retireing earlier and living longer. Employer retirement plans are changing in ways that require extra savings on your part, and inflation remains a threat to your standard of living after retirement. Providing for your own fiancial security is your responsiblity and can only be achieve with a thoughtful savings program. The Vanguard Guide to Planning for Retirement, Third Edition is now completely updated to reflect changes in tax laws-especially new laws regarding capital gains and retirement accounts. This important manual begins with basic strategies to get you started on the right course. Worksheets offer you a step-by-step guide to help you determine how much you should be saving depending on your uniques goals. Case studies provide a framework for diversifying your portfolio-from asset allocation to mutual fund issues to implementing your program. Written with an informative yet conversational style, The Vanguard Guide to Planning for Retirement also shows you how to: Save, save, save-it's the prerequisite for a financially secure retirement; Choose appropriate investment vehicles that will help you maximize your retirement savings; Allocate your investments and savings toward specific goals and objectives. The Vanguard Group, headquartered in Valley Forge, Pennsylvania, traces its roots to the founding of its first mutual fund, the Vanguard/Wellington Fund, in 1928. Today, with net assets of some $300 Billion, Vanguard ranks as the world's largest pure no-load (commission-free) mutual fund organization, serving more than 7 million individual and institutional shareholders in more than 90 Vanguard portfolios. Vanguard provides retirement services for more than 3 million accounts, including the company-sponsored retirement plan portfolios of over 1 million active participants at numerous institution, among them many of the nation's Fortune 500 companies and leading colleges and universities.