Vanguard Target Retirement Funds | The Share Centre

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Target Retirement Funds

Low-cost funds to help you meet your retirement goals

Investing for your retirement

Vanguard Target Retirement Funds aim to help you successfully invest for your retirement. There are nine funds to choose from and you can select the particular fund that matches how many years you have left until retirement. The fund managers shift asset allocation to less equities and more bonds, so the risk lessens as you get closer to retirement. 

TRFs, also called target date funds, are all about retirement. You select the fund with the date closest to the year you expect to retire. You invest lump sums or regularly over your working life, with the objective of accumulating enough assets to fund your retirement.

How do TRFs allocate assets

Vanguard's TRF changes to ensure an investor has the appropriate mix of asset at each stage of the investment’s lifecycle. As investors move towards retirement, the portfolio’s risk reduces. This changing asset mix is predetermined and is known as the glide path.

When a person starts saving for retirement early in their career, their long-term investment horizon allows them to take on significant risk. At this stage, the TRF portfolio has a large exposure to equities. In the years leading up to retirement, equities are scaled back in favour of lower risk bond investments.

Helping make retirement simple

A Target Retirement Fund takes the complexity out of retirement by allowing you to focus on what you can control – how much to save and when you want to retire. You select your provisional retirement date, based on your date of birth; you decide how much you want to save and then you leave the rest to experienced investment professionals.

Choose your Target Retirement Fund:

Year Fund name Key Investor Information  Analysis Invest now
2015 Vanguard Target Retirement 2015 A Acc (VVXXA) download read more
2020 Vanguard Target Retirement 2020 A Acc (VVXXB) download read more
2025 Vanguard Target Retirement 2025 A Acc (VVXXC) download read more
2030 Vanguard Target Retirement 2030 A Acc (VVXXD) download read more
2035 Vanguard Target Retirement 2035 A Acc (VVXXE) download read more
2040 Vanguard Target Retirement 2040 A Acc (VVXXF) download read more
2045 Vanguard Target Retirement 2045 A Acc (VVXXG) download read more
2050 Vanguard Target Retirement 2050 A Acc (VVXXH) download read more
2055 Vanguard Target Retirement 2055 A Acc (VVXXI) download read more

Investing success

Fund house Vanguard looks at four principles for investing success.

read principles

ISA vs SIPP

ISA vs SIPP

To help you decide which account suits your retirement goals best, we look at the benefits of saving for your retirement in both an ISA and a SIPP.