Vanguard Target Retirement Funds*


Vanguard Target Retirement Fund series provides a Do it for me managed account service and an opportunity to invest in a wider range of funds outside of the Plan’s existing core investment lineup of funds:

  • There are 12 Target Retirement funds offered in five-year increments.
  • Funds have a low investment management fee of nine basis points (0.09%).
  • Funds are professionally managed.
  • Allocations are automatically adjusted to become more conservative as you approach retirement.
  • Funds offer diversification through a single investment; the funds cover all major worldwide asset classes.


Especially as you near retirement, consider some ways to simplify the management of your Plan account and optimize your portfolio:

  • Consider having the Vanguard Target Retirement Funds Do it for me in a managed account service that will work for you during retirement. 
  • Consider the low investment management fee of nine basis points (0.09%) that the Vanguard Target Retirement Funds has to offer and the benefits of keeping more dollars in your pocket.

The target-date is the approximate date when investors plan to retire and may begin withdrawing their money. The asset allocation of the target-date funds will become more conservative as the target-date approaches by lessening your equity exposure and increasing your exposure in fixed income investments. The principal value of an investment in a target-date fund is not guaranteed at any time, including the target-date. There is no guarantee that the fund will provide adequate retirement income. A target-date fund should not be selected solely based on age or retirement date. Before investing, participants should carefully consider the fund's investment objectives, risks, charges and expenses, as well as their age, anticipated retirement date, risk tolerance, other investments owned, and planned withdrawals. The stated asset allocation may be subject to change. It is possible to lose money in a target-date fund, including losses near and following retirement. Investments in the funds are not deposits or obligations of any bank and are not insured or guaranteed by any governmental agency or instrumentality.

*Registered Mutual Fund

Investors should carefully consider the fund’s investment objectives, risks, charges and expenses before investing. The prospectus and (if available) summary prospectus contain complete information about the investment options available through your plan. Please call 877-778-2100 for a free prospectus and (if available) a summary prospectus containing this and other information about our mutual funds. You should read the prospectus and summary prospectus (if available) carefully before investing. It is possible to lose money by investing in securities.

Shares of the registered mutual funds are offered through Prudential Investment Management Services LLC (PIMS), Newark, NJ, a Prudential Financial company. Prudential Retirement is a Prudential Financial business.

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All information contained on this site is for educational purposes only. This material is not intended as advice or recommendation about investing or managing your retirement savings. By sharing it, Prudential Retirement is not acting as your fiduciary as defined by the Department of Labor's Fiduciary rule or otherwise. If you need investment advice, please consult with a qualified professional.

Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company(PRIAC), Hartford, CT, or its affiliates. PRIAC is solely responsible for its financial condition and contractual obligations.

© 2018 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

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