This undated photo provided by Vanguard Group shows Fran Kinniry, a principal in the Investment Strategy Group with mutual fund manager Vanguard Group. Kinniry believes a traditional p

 

              This undated photo provided by  Vanguard Group shows Fran Kinniry, a principal in the Investment Strategy Group with mutual fund manager Vanguard Group. Kinniry believes a traditional p
This undated photo provided by Vanguard Group shows Fran Kinniry, a principal in the Investment Strategy Group with mutual fund manager Vanguard Group. Kinniry believes a traditional portfolio with allocations to stocks and bonds is the best way for a majority of individual investors to meet their retirement savings goals without taking on excessive risks. (AP Photo/Vanguard Group)