Retirement Navigator

Welcome! This game simulates your journey to and through retirement. You'll make investment choices based on concepts from Vanguard's paper on Hybrid Annuity Target-Date Funds (HATDFs).

Your goal is to achieve a secure retirement. You'll manage your wealth, decide on strategies like using a traditional Target-Date Fund (TDF) or an HATDF with a QLAC (longevity annuity), and face various life events.

Key concepts illustrated:

• Accumulation vs. Decumulation

• Traditional TDFs vs. HATDFs (with QLACs)

• Wealth vs. Income Security Trade-offs

• Longevity Risk & Guaranteed Income

• Impact of Market Events