Vanguard 2035 Fund Fact Sheet: A Visionary Investment for the Next Two Decades

Overview

The Vanguard 2035 Fund is a target-date fund designed for investors with a long-term horizon. The fund's asset allocation is meticulously crafted to align with the evolving risk tolerance of investors as they approach retirement. With a target retirement date of 2035, the fund provides investors with the potential for significant growth in the early years, gradually transitioning to a more conservative portfolio as retirement nears.

Investment Strategy

The Vanguard 2035 Fund employs a diversified investment strategy that leverages a blend of stocks, bonds, and other investment vehicles. The fund's asset allocation is determined by Vanguard's team of experienced investment professionals and is rebalanced regularly to ensure that it remains in line with the target retirement date.

Asset Allocation

As of December 31, 2023, the Vanguard 2035 Fund had the following asset allocation:

| Asset Class | Percentage |
|---|---|---|
| Stocks | 90% |
| Bonds | 9% |
| Other Investments | 1% |

Performance

The Vanguard 2035 Fund has delivered strong performance since its inception. Over the past 10 years, the fund has generated an average annual return of 7.5%. However, it is important to note that past performance is not indicative of future results.

Risks

Like all investments, the Vanguard 2035 Fund carries certain risks. The fund's value can fluctuate based on market conditions and the performance of underlying investments. The fund is also subject to fees and expenses, which can impact returns.

Fees and Expenses

The Vanguard 2035 Fund has an expense ratio of 0.15%. This means that for every $10,000 invested, investors pay an annual fee of $15.

Suitability

The Vanguard 2035 Fund is suitable for investors who:

• Have a long-term horizon
• Are comfortable with a moderate level of risk
• Are seeking a diversified investment strategy
• Are preparing for retirement in 2035

How to Invest

Investors can invest in the Vanguard 2035 Fund through Vanguard's website, by phone, or through a financial advisor.

Additional Considerations

• The Vanguard 2035 Fund provides investors with a convenient and affordable way to invest for their target retirement date.
• The fund's asset allocation is designed to meet the evolving needs of investors as they approach retirement.
• Investors should carefully consider their investment goals, risk tolerance, and time horizon before investing in any target-date fund.

Authoritative Sources

• Investment Company Institute: https://www.ici.org/
• Securities and Exchange Commission: https://www.sec.gov/
• Vanguard: https://investor.vanguard.com/

Conclusion

The Vanguard 2035 Fund is a compelling investment option for investors who are preparing for retirement in 2035. With its diversified asset allocation and low fees, the fund offers investors the potential for long-term growth and a secure financial future.