Hi Retire with Money! Elizabeth is enjoying a well-deserved vacation this week, so this is her colleague Ian Salisbury, Money's investing and economics editor. Of course, investing is a key part of preparing for retirement. And anyone who is saving for retirement has probably heard of Vanguard and its ultra low-cost approach to the stock market. Vanguard is primarily known for its benchmark-tracking index funds, which have helped persuade a generation of investors they don't need to pay extra for professional stock-picking advice. But Vanguard has always offered active funds too, and recently it has been launching more of them. So how do Vanguard's active funds stack up? At least one recent study suggests that even when it comes to an esteemed name like Vanguard's, you are better off sticking with index funds. For retirement savers the message remains same: Focus your energy on saving as much as possible rather than trying to beat the stock market.
Just a reminder: Retire with Money will be off Sept. 3 for the Labor Day holiday. Happy end of summer, everyone!
Regards,
Ian
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Last week in our Retire with Money Facebook group, members discussed what they wish they'd known to do before they retired. The original poster asked, "Anyone in the group retire by the age of 45? If so anything you wish you would have planned being hindsight 20/20?"
Another member responded: "Not 45 but I retired in 2007 at 51. Glad I had enough funds in cash, dividends and CDs to avoid selling stocks when the market crashed. Rebalancing paid off when the market came back." Frankly, that's great advice no matter what age you are when you choose to retire.
RETIREMENT NEWS FROM AROUND THE WEB
'It is an act of insanity to stay in the U.S.': Why this 63-year-old teacher ditched Massachusetts to retire in the highlands of Panama
The move allowed her to upgrade her lifestyle. MARKETWATCH
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Healthcare and Social Security are big factors. THE MOTLEY FOOL
Here's How Much More Money You'd Have If You Delayed Retirement Until 70, According to Stanford Researchers
Even working a little longer can make a big difference. CNBC
Don't Need to Downsize Yet? Great. Start Now.
The earlier you start, the more choices you have. NEXT AVENUE
About Elizabeth
Elizabeth O'Brien is a senior writer at MONEY, covering retirement and health care. You can email her at elizabeth.o'brien@moneymail.com and follow her on Twitter at @elizobrien.
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Hi Retire with Money! Elizabeth is enjoying a well-deserved vacation this week, so this is her colleague Ian Salisbury, Money's investing and economics editor. Of course, investing is a key part of preparing for retirement. And anyone who is saving for retirement has probably heard of Vanguard and its ultra low-cost approach to the stock market. Vanguard is primarily known for its benchmark-tracking index funds, which have helped persuade a generation of investors they don't need to pay extra for professional stock-picking advice. But Vanguard has always offered active funds too, and recently it has been launching more of them. So how do Vanguard's active funds stack up? 
Another New Study Confirms It: Actively Managed Funds Almost Never Beat the Market
Do You Have $1 Million in Your 401(k) Yet? The Number of People Who Do Just Hit an All-Time High
'It's Life-Changing.' How I Saved $100,000 in 5 Years After Moving into a Tiny House
Escape: 4-Night Stay at the Grand Fiesta Americana Coral Beach, Cancun
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