The 50/30/20 portfolio has a slightly better pure performance ratio (0.78) and generates positive returns 78.2% of the time.

But median retirement balances often matter more than the average, since averages can be skewed by the very highest balances. Vanguard reports the median 50-something household holds closer to about ...

With the arrival of new technologies and AI tools that facilitate reporting and accelerate the data entry time allocated, ...