Vanguard Target Retirement Funds
There are many Vanguard Target Retirement Funds. The right one for you is dependent on when you wish to retire. There are ten different ones to choose from. This type of mutual funds considers the investor’s age and time until they plan to retire.
The time till retirement are set at 42 years, 35 years, 30 years, 25 years, 20 years, 15 years, 10 years, 5 years, 1 year, and already in retirement.
All of these funds together have already invested in over 6000 different US stocks and bonds with 2000 international stocks that have diversified each fund. Each Vanguard fund is structured to be appropriate for the time frame you have for retirement.
With more time until retirement, the younger investors have shares in the more aggressive mutual funds. These are mostly made up of higher risk stocks with few to no bonds. Each of these Vanguard funds automatically goes conservative over time. The shift from stocks and high risk to bonds and low risk is dependent on how close the expectant retirement age is.
Vanguard is one of the largest mutual fund companies in the world. They also only charge ¼ the industry average when it comes to expense fees.
A good portion of these funds have their holdings of other Vanguard mutual funds and with some it is 100%. This makes it easy to adjust the risk potential by exchanging a high risk fund with a more conservative fund.
The Vanguard Target Retirement 2035 fund was awarded one of the top 70 mutual funds by CNNMoney magazine for 2010.
For more reference about investments from Vanguard on this site please view Vanguard Lifecycle Funds.
For a resource about ETFs, please view Inverse ETFs which is one our sister site of ETFinvestingblog.com.
Even further resources about mutual funds and other investments from Fidelity on another sister site of ours is mutualfundexplorer.com, please view Fidelity Small Cap Value Fund (FCPVX).
We strive to bring you the latest and most accurate data possible from the home sites of the investment institutions we name. Always remember – the bigger the risk, the larger the reward or loss. Invest with caution.
i am saving money for my retirement because i want to enjoy most of my time as an old man.’*”