Thanks, msf. Good info and reassuring. I went to his account and collected documents for the year and 2021 year end. I also got the status for the day before his death, the day of his death and July 5 (the first market day after his death). The IRS link seems to make when the RMD for a 75-year-old man occurs irrelevant. The distribution is required and must use the deceased person's age. So, the amount distributed and taxed doesn't change before, on, or after death. Again, thanks. I guess I do need to relax a bit.

link below is from @JohnN post. 1970s inflation and Feds actions year by year are shown after ~16:35 minute mark - quite interesting.
https://m.youtube.com/watch?v=6yzbzJ5ety8&t=149s

Thanks @Observant1. The more recent bear markets from 2000-2002 and 2008 had long recovery periods well beyond 12 months and more. That was including the Fed are cutting the interest rate multiple times. 2020 COVID bear market was an abnormality, and it should not be use as an example of quick recovery.

Hello
Sorry meant most [not 100%] and after modern Era (after ww2)
https://m.youtube.com/watch?v=6yzbzJ5ety8&t=149s
(At 2.42)
https://www.mymoneyblog.com/sp-500-bear-bull-market-historical-list.html

My condolences as well. The first thing to do is to take a deep breath and not rush. Especially with Vanguard. For one thing, as others have said, they're just not available now. Another reason is that the instant you notify them of the death, Vanguard locks everything up, as Yogi wrote.
I speak from experience here. When a parent died, the instant I notified Vanguard I no longer had access to account information. That's really a total lockup.
Anticipating this, I downloaded everything I might need. (I had the account password.) That included monthly statements YTD, last year's end of year statement, 2021 tax forms, and a snapshot of current balances as of day of death. In your case, you should also get a record of the RMD schedule. Then notify Vanguard.
If your husband was born in 1950 (72nd birthday this year) then because of death before April 1, 2023 (required beginning date) no RMD is required. This is the only reason to rush to notify Vanguard - it could prevent an unnecessary withdrawal.
(The line Yogi quoted is more a description of how to calculate the RMD amount than a declaration that there are no RMD exceptions. For better clarity, see:
https://www.irs.gov/publications/p590b#en_US_2021_publink100090082 )
Otherwise, an RMD is required for 2022. If it was not made from the IRA prior to death, then it must be made from the beneficiary IRA and that income is supposed to be attributed to the beneficiary. Let Vanguard sort out how it will report the distribution.

@Anna, sorry to hear about your loss.
First, RMDs are also required for the year of the death. So, a scheduled RMD is OK. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds#:~:text=For the year of the,identity of the designated beneficiary.
"For the year of the account owner’s death, use the RMD the account owner would have received. For the year following the owner’s death, the RMD will depend on the identity of the designated beneficiary."
Second, there is just NO WAY to contact Vanguard except during weekday hours. I had Vanguard account alert once on late-Friday and my account was locked. I looked for a variety of ways to get hold of Vanguard customer service or its security department but nothing worked. So, I called promptly on Monday 8:01 AM Eastern and got hold of someone at Vanguard. When I complained about not getting through over the weekend, the Rep tried to reassure me that the account was locked for security and there was nothing to worry or be concerned about. I didn't feel reassured but there is really nothing else that can be done at/by Vanguard. Low ERs and poor service are its goals.

This may be helpful as a point of reference.
Ben Carlson recently looked back at every bear market since
WWII and the corresponding peak-to-trough and breakeven periods.
On average, these bear markets lasted 12 months and it took 21 months for investors to breakeven.
Link

@johnN
Have you data to support your "100%" statement? There are folks who want to know this to be accurate, yes?
Catch

100% of time after sp500 nasdaq drop >20% in two consecutive quarters, equities performed well 6-9-12 months after [massive runs]
We have to be little more patience

Trying copy-and-paste at a different time with Reply.
Barron’s Funds Quarterly (2022/Q2–July 11, 2022)
https://www.barrons.com/topics/mutual-funds-quarterly
Pg L2: It took a bear market for ACTIVE funds to shine. Over 50% of active funds outperformed their passive peers; the drag was from active growth funds and only 30% outperformed passive peers; active funds in 6 of 9 M* 9-styles outperformed their passive peers. Value/cyclicals outperformed growth. Active managers can better sort out among profitable and unprofitable companies and the latter did much worse with rising RATES (low rates encouraged speculation). Wide sector divergences also work for active managers. Passive mutual fund AUMs have exceeded those of the active mutual funds since 2019; some of the shift has been from active mutual funds to ETFs. But the record of active funds remains dismal over the long-term. An ACTIVE-PASSIVE strategy can also work – active for smaller, less liquid areas (SCs, HYs, EMs, etc), passive for larger, liquid areas (LC-growth, etc). CAUTIONS: Aggressive active funds may differ widely in performance; long-term performers aren’t short-term chart beaters, but those that consistently remain in 2nd-3rd quartiles. Active funds mentioned for long-term:
Growth: PRWAX, APGAX, ANOIX, GQEIX (cyclical growth)
Blend: BOSOX, FSCRX, IHGIX, PRSVX
Value: DAGVX, OIEIX, PEYAX
Pg L7: It was a tough quarter for ETFs. Even the energy ETFs tumbled in Q2. The EMs have been losing steam since 2021/Q1, but their China weight helped them some in Q2. Bond ETFs sold off as well. The ETFs that bet on rates, currencies and volatility did better.
EXTRA: While STOCK funds did poorly in Q2, it was a quarter to forget for BOND funds. There were heavy outflows from bond funds. Short-term and FR/BL funds held up better. COMMODITY funds did fine (but they had a late selloff).
EXTRA: High INFLATION will be around for a while. The following funds may offer inflation protection (some choices like core bond funds are unclear):
Real Assets: AAAAX, PZRMX; GSG
Stocks: ACSTX, FLCSX; IWM (cyclical exposure)
Bonds: DODIX (?), FTHRX (?), PRFRX, VIPSX; TIPX
I-Bonds (limited annual amounts)
Pg L33: In 2022/Q2 (SP500 -16.21%): Among general equity funds, the best was equity income -10.77% (yes, it was a BAD Q2) and the worst were all growth categories, multi-cap-growth -23.13%, MC-growth -21.70%, LC-growth -21.60%, SC-growth -19.10%; ALL general equity categories were negative by double-digit %. Among other equity funds, the best was China +3.68%, and the worst were precious metals -27.08%, science & tech -24.09%, Lat Am -22.17%. Among fixed-income funds, domestic long-term FI -5.26%, world income -8.41% (not very refined in Lipper mutual fund categories listed in Barron’s).

On catch's suggestion, I moved this from Off Topic to Other Investing.
My husband died July 1. I have not notified every business that needed notification. I just got the death certificates yesterday. My husband's email this morning had a confirmation that his RMD was scheduled for 2022. I went over to his account on Vanguard. It shows the scheduling, but the transfer has not been completed. I was going to talk to Vanguard about taking an RMD after death but, guess what, I am not a customer that can call outside the hours of 8AM-8PM EST weekdays. No service on Saturday. I guess that is why they send these type messages overnight between Fridays and Saturdays. I am almost sure the RMD is slated to go from IRA to Brokerage at Vanguard. Is there any way to report this death to Vanguard on a Saturday? What happens if activity like this occurs after death? And, yes, I am the sole beneficiary on all his accounts.

MFO not letting me copy-and-post text, so will try via Edit (that didn't work either).
https://ybbpersonalfinance.proboards.com/thread/161/barrons-funds-quarterly?page=1&scrollTo=699

This week’s WEALTHTRACK guest is a well-known value manager known for her global and international investing. We’ll be joined by Sarah Ketterer, Chief Executive Officer of Causeway Capital Management. Ketterer will tell us why she believes we are entering a new investment era and discuss some of the “outstanding” investment opportunities being created in the process.

+1 Anna I experienced the TSP website mess for myself. I did a trustee to trustee transfer on 6/23 and had the funds sent to Fidelity. The transfer via paper check only took 5 calendar days, so that was a pleasant surprise. I find Fidelity easier to deal with and don't want the separate recordkeeping hassles of a TSP account!

Edit: Today’s action in junk bonds so far at least so far not as negative as it may appear. Although down, the junk ETFs are still trading well above Friday’s NAV meaning the open end may be up today.
I can confirm a very slight uptick on Friday, 08 July, '22: TUHYX = +0.25%. My only bond fund now. 10.69% of total.

It's Friday night, thoughts getting a little weird. Below the image is my Rube Goldberg-ish idea on what Vanguard might have done.

When the institutional investors place exchange orders from retail to institutional class shares, Vanguard redeems their retail shares in-kind (OEFs as well as ETFs can do this).
Institutional shareholders then sit with retail shares of a half dozen Vanguard funds (the underlying funds in the retail target date funds). Vanguard executes tax-free exchanges (not that it matters inside the retirement plans) of these retail shares into institutional shares of the same underlying funds.
These funds now constitute "creation units" that are used to purchase shares of the institutional target date funds
Thus, no sale of underlying funds in the retail funds; no recognized gain. In fact, reduction of unrealized gain - just like ETFs.
Vanguard might have been able to turn the mass migration into a positive rather than a costly negative.
Needless to say there are a lot of details I haven't checked; this is just some end-of-week rambling. But if Vanguard could have made something like this work, it really looks negligent for not doing it.

Howard Marks specializes in distressed debt ala junk bonds, bank loans, etc. Over the past several months I have continually read about how junk bonds offer value from various pundits. All the while it is one new low after another for junk bonds. So much so that the first half decline of 14% was the worst first half decline ever for the junk bond market.
What is particularly ominous is how detached junk bonds have been from equities and Treasuries. Meaning while equities had a vicious bounce a few weeks ago, junk and bank loans just kept making new lows. While Treasuries are having a nice recovery presently still new lows in the risk on credits aka junk and and bank loans. Below is a link to Morgan Stanley’s outlook for junk. Sounds much more objective and reasoned than much of what I have read recently
https://www.zerohedge.com/markets/morgan-stanley-recession-arrives-will-we-see-surge-corporate-defaults
Edit: Obviously as with Treasuries recently, these markets can turn on a dime. And junk bonds are notorious for strong recoveries after bear declines. Coming off the 2008 bear market in
2009 junk had the greatest credit rally of all time rising over 50%.
Edit: Today’s action in junk bonds so far at least so far not as negative as it may appear. Although down, the junk ETFs are still trading well above Friday’s NAV meaning the open end may be up today.

Probably much ado about nothing but have a 7% position in VWEHX and hoping to increase as 7% barely moves the needle. Liked how on Tuesday intraday with the Dow down 600 points the cash junk market was up. First time in many a moon I had seen that type of intraday divergence. Junk had a decent week but 2022 has been a year of fake out rallies so buyer beware.

Sorry I meant BDC. Most BDCs ( ie MAIN) are down 10% or more anticipating bankruptcy of some of their companies with a big recession.
Not sure again how much Marks is really involved.

Bluerock TI+ Real Estate is an illiquid multi-manager interval-fund related to private real estate. Asset valuations are from appraisals. You can buy interval-funds anytime from brokers/advisors, but there are only quarterly redemption windows for small amounts.
A Share: TIPRX / C Share: TIPPX / I Share: TIPWX / L Share: TIPLX / M Share: TIPMX
https://bluerock.com/bluerock-total-income-plus-real-estate-fund/wp-content/uploads/sites/3/2022/04/TI-Fact-Sheet-Q1-2022-I-Share.pdf

This is exactly my point....

The savings bond calculator will display the value of a savings bond as of any given month. To find the net amount of interest credited to the savings bond between two given months ask for the values on those two months and take the difference.
Note: this shows net interest credited. One doesn't get credit for the last three months of interest until the savings bond has been owned for five years.
For example, if you input your month of purchase, 03/2022, and an amount of $1,000 (since $10K paper bonds are no longer issued), you'll see $6.00 of interest both total and YTD (useful if you're electing to pay taxes yearly). Multiply by 10 to show the interest on a savings bond worth ten times as much (i.e. $10,000).
Unlike TIPS, with savings bonds there is no adjustment to principal. The entire increase in value is due to interest.