Vanguard
Vanguard's annual How America Saves report and hardship withdrawal data track retirement account stress — a leading indicator that households are depleting long-term buffers to cover current expenses.
American Default tracks 2 indicators from Vanguard, including 401(k) Loan Outstanding Rate and The Cannibalization Rate. Vanguard's annual How America Saves report and hardship withdrawal data track retirement account stress — a leading indicator that households are depleting long-term buffers to cover current expenses. Data is parsed from published reports.
Indicators from Vanguard
| Indicator | Current Value | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| 401(k) Loan Outstanding Rate | 13% | ▬ stable | annual | Buffer Depletion |
| The Cannibalization Rate | 6% | rising | annual | Buffer Depletion |
How We Get This Data
Attribution & Licensing
Data attributed to: Vanguard Group
Official source: https://www.vanguard.com/
American Default extracts publicly reported statistics with full source attribution. This data may be subject to the source organization's terms of use.
Related
- ADI Methodology — how these indicators feed into the composite score
- All Indicators — browse all tracked indicators
- Data Status — current update status for all data sources
- All Sources — view all data sources
Frequently Asked Questions
What data does Vanguard publish?
Vanguard's annual How America Saves report and hardship withdrawal data track retirement account stress — a leading indicator that households are depleting long-term buffers to cover current expenses.
How often does American Default update Vanguard data?
Vanguard data is parsed from published reports. Update frequency varies by indicator: annual.
Is Vanguard data free to use?
Vanguard publishes summary data in press releases and reports. American Default extracts headline statistics with full attribution. For detailed microdata, check Vanguard's licensing terms.
What American Distress Index components use Vanguard data?
Vanguard data feeds into Buffer Depletion. These indicators provide context but are not in the ADI composite calculation.