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 the source's published reports via the Claude API.
Indicators from Vanguard
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| 401(k) Loan Outstanding Rate | 13% Current | rising | annual | Context |
| The Cannibalization Rate | 6% Current | rising | annual | Context |
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 is Vanguard data measured?
Vanguard data is parsed from the source's published reports via the Claude API. Observation frequency varies by indicator: annual.
Is Vanguard data free to use?
American Default publishes headline statistics from Vanguard with full attribution. Vanguard sets the terms for reusing the underlying data.
What American Distress Index components use Vanguard data?
Vanguard indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.