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Vanguard Target Retirement 2045 Fund: A Savings Strategy For 30-Somethings

Vanguard Target Retirement 2045 Fund: A Savings Strategy for 30-Somethings

Vanguard Target Retirement 2045 Fund: A Savings Strategy for 30-Somethings. The Vanguard Target Retirement 2045 Fund (NASDAQMUTFUND:VTIVX) is a target date mutual fund aimed at those who intend to retire in or around the year 2045. The fund invests in a number of other Vanguard-run investments, and its asset allocation shifts over time to become more conservative in its investing style. By making changes to the proportion of stocks and bonds in the portfolio, Vanguard Target Retirement 2045 can be a lifelong answer for those who are in their 30s now and are looking to retire roughly 25 to 30 years from now. What is the Vanguard Target Retirement 2045 Fund's objective? The fund keeps a well-diversified portfolio, decreasing stock market exposure gradually over time in favor of increasing bond allocations as the fund's target retirement date approaches. That trend continues for seven years after the retirement date, at which point the fund mimics the investment philosophy of Vanguard's Target Retirement Income Fund. Vanguard Target Retirement 2045 currently has an overall asset allocation of about 90% in stocks and 10% in bonds. Is Vanguard Target Retirement 2045 right for you? The Motley Fool has no position in any of the stocks mentioned.
Turning 30? Look At Vanguard Target Retirement 2050 Fund

Turning 30? Look at Vanguard Target Retirement 2050 Fund

Look at Vanguard Target Retirement 2050 Fund. The Vanguard Group intended this fund to be a simple solution for investors looking to save for retirement, investing in several other Vanguard funds and changing its asset allocation over time to get more conservative as retirement approaches. What's the Vanguard Target Retirement 2050 Fund's objective? Asset allocation shifts continue beyond the 2050 target date for seven more years, and then, the fund shifts to the income-based objective shared by the Vanguard Target Retirement Income Fund. If you're turning 30 now and want to retire at age 63, then the 2050 timeframe works perfectly. What is Vanguard Target Retirement 2050's asset allocation strategy? Vanguard Target Retirement 2050 currently has an overall asset allocation of about 90% in stocks and 10% in bonds. Is Vanguard Target Retirement 2050 right for you? Like Vanguard's other target-date funds, the 2050 fund makes things easy, but isn't perfect. The Motley Fool has no position in any of the stocks mentioned.