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#Vanguard

3 articles

All articles tagged Vanguard on smartcashflow

401(k) vs Roth IRA — Vanguard, Fidelity, and Federal Reserve Data on Median Balances by Age

Vanguard's How America Saves report, Fidelity's Retirement Snapshot, and Federal Reserve Survey of Consumer Finances — what people actually have saved, by age and account type.

MAY 9, 2026 Read

№ 02 Investing

Lump Sum vs Dollar-Cost Averaging — Vanguard's 1976-2024 Data Says Lump Sum Wins 68% of the Time

Vanguard's 2012 study with 2024 update: lump-sum investing beats DCA two out of three times across 90 years of U.S. stock data. Here is when DCA still makes sense.

MAY 9, 2026 Read

№ 03 Personal Finance

Pay Down the Mortgage or Invest the Difference? The 30-Year Math With Real Tax Brackets

Vanguard's 1976-2024 dataset, BLS mortgage rate history, and IRS tax brackets give a precise answer. The 'certain return' framing is incomplete — here is the actual math.

MAY 9, 2026 Read

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