Not sure how to invest for retirement? Target Date Retirement Funds do the work for you. Start your plan Today 👇
What Are Target Date Retirement Funds?
Target Date Funds automatically adjust your investments over time, reducing risk as you approach retirement. You just pick your retirement year — the fund does the rest.
- ✔ Automatic allocation and rebalancing
- ✔ Low-cost index fund exposure
- ✔ Diversified across global markets
Pick Your Year and Let the Fund Work
- 2030 Retirement: Vanguard Target Retirement 2030 Fund (VTHRX)
- 2040 Retirement: Vanguard Target Retirement 2040 Fund (VFORX)
- 2050 Retirement: Vanguard Target Retirement 2050 Fund (VFIFX)
- 2060 Retirement: Vanguard Target Retirement 2060 Fund (VTTSX)
Example: Inside VTHRX (2030 Fund)
Vanguard Target Retirement 2030 Fund (VTHRX) offers:
- Expense Ratio: 0.14%
- ~70% Stocks, ~30% Bonds
- Composed of 4 Index Funds:
- VTSMX – US Total Stock Market (40.5%)
- VGTSX – International Stock Market (27.4%)
- VTBIX – US Bonds (22.6%)
- VTIBX – International Bonds (9.5%)
Want to Be More Aggressive?
If you want higher potential returns and can take more risk, you could invest 100% in a stock index fund like VTSMX. But most investors benefit from the balanced approach of a Target Date Fund.
Conclusion
Target Date Retirement Funds are ideal for:
- 📌 Beginners planning for retirement
- 📌 People who want a “set it and forget it” strategy
- 📌 Anyone looking for low-cost, diversified, automatic investing
Official Vanguard Fund Links
Choose your retirement year below:
