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Vanguard 2060 Fund Fact Sheet: A Comprehensive Guide to Your Retirement Savings

Overview

The Vanguard Target Retirement 2060 Fund (VFFVX) is a target-date fund designed for individuals who plan to retire around the year 2060. As with all target-date funds, the VFFVX's asset allocation automatically adjusts over time, becoming more conservative as the target retirement date approaches.

Investment Strategy

The VFFVX invests in a diversified portfolio of domestic and international stocks, bonds, and short-term investments. The fund's asset allocation is currently as follows:

Asset Class	Index	Percentage of Portfolio
U.S. Stocks	Vanguard Total Stock Market Index Fund (VTI)	55%
International Stocks	Vanguard Total International Stock Index Fund (VXUS)	30%
Bonds	Vanguard Total Bond Market Index Fund (BND)	15%
Short-Term Investments	Vanguard Short-Term Treasury Fund (VGSH)	1%

Performance

Since its inception in 2003, the VFFVX has generated an average annual return of 6.44%. The fund's performance has been particularly strong in recent years, with returns of 10.66% in 2021 and 14.08% in 2022.

vanguard 2060 fund fact sheet

Risk

The VFFVX is considered to be a moderately risky investment. The fund's volatility has been higher than that of some other target-date funds, but lower than that of many individual stocks.

Fees

The VFFVX has an expense ratio of 0.15%, which is below the average expense ratio for target-date funds. The fund also has no sales loads or redemption fees.

Vanguard 2060 Fund Fact Sheet: A Comprehensive Guide to Your Retirement Savings

Is the Vanguard 2060 Fund Right for You?

The VFFVX is a suitable investment for individuals who are saving for retirement and who are comfortable with the fund's moderate risk profile. The fund's low expense ratio and automatic asset allocation make it a convenient and cost-effective way to invest for retirement.

Alternatives to the Vanguard 2060 Fund

There are a number of other target-date funds available, each with its own unique investment strategy and risk profile. Some popular alternatives to the VFFVX include:

Fund	Expense Ratio	Glide Path
Fidelity Freedom Index 2060 Fund (FFNOX)	0.12%	More conservative
T. Rowe Price Retirement 2060 Fund (TRRAX)	0.16%	More aggressive
Principal Target Date Retirement 2060 Fund (PDTRX)	0.15%	Moderate

Conclusion

The Vanguard Target Retirement 2060 Fund is a solid choice for individuals who are saving for retirement. The fund's low expense ratio, automatic asset allocation, and strong performance make it a convenient and cost-effective way to invest for the future.

Overview

Frequently Asked Questions

Q: What is a target-date fund?
A: A target-date fund is a type of mutual fund that automatically adjusts its asset allocation over time, becoming more conservative as the target retirement date approaches.

Q: What is a target-date fund?

Q: How should I choose a target-date fund?
A: When choosing a target-date fund, you should consider your age, risk tolerance, and retirement goals.

Q: What are the risks of investing in a target-date fund?
A: The risks of investing in a target-date fund include the risks of investing in stocks, bonds, and short-term investments.

Q: What are the fees associated with target-date funds?
A: Target-date funds typically have lower expense ratios than other types of mutual funds. However, some target-date funds may have sales loads or redemption fees.