All-in-one funds A diversified portfolio in a single fund. View all our funds. Vanguard Target Retirement Funds give you a straightforward approach to a sophisticated problem: Each of the Target Retirement Funds invests in Vanguard's broadest index funds, giving you access to thousands of U. The managers then maintain the current target mix, freeing you from the hassle of ongoing rebalancing. Move money into a Vanguard Target Retirement Fund. Find out by starting with either the number of years until you expect to retire or your current age.
Then select the corresponding bar to get details about the Target Retirement Fund we believe best matches that time frame. Years to retirement Your current age. Industry average expense ratio for comparable target-date funds: All averages are asset-weighted. Industry averages exclude Vanguard. Vanguard and Morningstar, Inc. Investments in Target Retirement Funds are subject to the risks of their underlying funds.
The year in the fund name refers to the approximate year the target date when an investor in the fund would retire and leave the workforce. The Vanguard target retirement age ranges for dating will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date.
An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date. These fund suggestions are based on an estimated retirement age of approximately Should you choose to retire significantly earlier "Vanguard target retirement age ranges for dating" later, you may want to consider a fund with an asset allocation more appropriate to your particular situation.
All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss. Investments in bonds are subject to interest rate, credit, and inflation risk.
Vanguard's broadest index funds These four funds, when combined with an asset allocation that's right for your situation, could help you meet almost any investment goal:. Asset allocation The way an investment portfolio is divided among the broader asset classes of stocks, bonds, and short-term reserves.
Also known as "asset Vanguard target retirement age ranges for dating. Expense ratio A mutual fund's annual operating expenses, expressed as a percentage of the fund's average net assets.
It's calculated annually and removed from the fund's earnings before they're distributed to investors, directly reducing investors' returns.
An expense ratio includes management, administrative, marketing, and distribution fees. It doesn't include loads or purchase or redemption fees. This fee doesn't apply if you sign up for account access on vanguard. This fee is automatically waived for everyone in the plan if at least one participant is a Voyager, Voyager Select, Flagship, or Flagship Select Services client.
Investing Investment products Vanguard mutual funds Choose your funds All-in-one funds. Vanguard Target Retirement Funds You worked hard to save for retirement. Now choose a fund that works just as hard for you.
Get a complete portfolio in a single fund Vanguard Target Retirement Funds give you a straightforward approach to a sophisticated problem: Each fund is designed to help manage risk while trying to grow your retirement savings.
Less risk through broader diversification Each of the Target Retirement Funds invests in Vanguard's broadest index funds, giving you access to thousands of U. Automatic rebalancing The managers then maintain the current target mix, freeing you from the hassle of ongoing rebalancing. Call Monday through Friday 8 a. Monday through Friday 8 a. Which Target Retirement Fund fits your timeline?
Years to retirement Your current age Updates Vanguard target retirement age ranges for dating below Years to Vanguard target retirement age ranges for dating Your current age. Vanguard's broadest index funds These four funds, when combined with an asset allocation that's right for your situation, could help you meet almost any investment goal: Vanguard Target responsibility of periodic rebalancing, consider a single Target Retirement Fund.
Contact your benefits department to choose investments. Fund price for Vanguard Target Retirement Fund Accumulation Shares along with Morningstar ratings Morningstar Category™, Target Date - Target-date funds are a simple solution for younger investors but they may not Jason Laux, vice president of Synergy Group in White Oak, Pennsylvania.
In a rising-rate environment, a target-date fund that's getting closer to your target retirement age would. Vanguard Target Retirement Income VTINX.