Roger Aliaga-Diaz, Ph.D., Vanguard’s global head of portfolio construction and chief economist for the Americas, highlights that emerging megatrends—particularly AI—are expected to influence retirement planning and investment strategies, especially target-date fund (TDF) design.
Vanguard’s economic research team is closely watching AI’s influence on health care and its potential to extend life expectancy, which could lengthen retirement spans and result in some participants working longer to support a longer retirement. These shifts could have important implications for Vanguard’s TDF offerings.
Vanguard is committed to actively monitoring these emerging trends and adapting our investment products to support clients’ long-term financial goals.
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Notes:
- For more information about Vanguard funds, visit vanguard.com to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing.
- All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.
- Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the Fund name refers to the approximate year (the target date) when an investor in the Fund would retire and leave the workforce. The Fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Income Fund has a fixed investment allocation and is designed for investors who are already retired. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.