How America Saves, Bogleheads on Investing Podcast — Oblivious Investor

Vanguard recently released the 2025 edition of their How America Saves report. The report looks at the behavior of more than 5 million participants in employer-sponsored Vanguard retirement plans.

Over the years of reading this report, I’ve come to think of the combination of “employer-sponsored plan with automatic enrollment and a target-date fund as the default investment option” as on par with index funds in terms of the dramatic improvement they’ve provided to the typical investor, relative to what dominated previously.

On the most recent episode of the Bogleheads on Investing podcast, Rick Ferri interviewed Vanguard’s Jeff Clark, who authored the report:

Table of Contents

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