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Target Date Fund Portfolios

This page details target date fund portfolios. Here you will find asset allocation and performance for all the target date fund portfolios that portfolioeinstein track.

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This page details target-date fund portfolios. Here you will find asset allocation and performance for all the target date fund portfolios that portfolioeinstein track.

Target-Date Fund Portfolios

What is a target-date fund (TDF)?

A target-date fund portfolio is a portfolio that adjusts the stocks/bond ratio as you get closer to retirement. In a one-fund solution, this happens automatically. You can get the one-fund solution from all of the reputable providers. The target-date funds are the funds that currently receives the most inflows. Around 30% of all fund inflows that Vanguard receives are directed towards their target-date funds.

If you are doing it yourself you need to do the rebalancing yourself. The data below will give you an indication of how well the target date funds from various providers have done in the past.

We are tracking target-date funds from 10 funds families and investment authorities.

Which target-date funds are tracked

Target date fund families and target-date fund portfolios by investment authorities. So far we have data from target-date fund portfolios from the following fund families (target-date fund providers), and investment authorities:

  • Goldman Sachs Target Date Funds
  • Here are the target date fund portfolios in detail

    Target-Date Portfolios Performance

    NameAsset class countYear to dateReturn in 201910 year returnCAGR since 1989 (%)Risk levelExpense ratio
    S&P 5001-4.84%31.4613.52%10.5430.04%
    Paul Merriman Target Date Portfolio (25 year old)4-25.17%22.1710.48%10.8330.26%
    Paul Merriman Target Date Portfolio (35 year old)11-24.40%22.4910.50%10.730.24%
    Paul Merriman Target Date Portfolio (45 year old)14-21.14%21.8310.04%10.2430.21%
    Paul Merriman Target Date Portfolio (55 year old)14-15.05%19.478.82%9.3420.15%
    Paul Merriman Target Date Portfolio (65 year old)14-7.71%15.046.81%8.1110.10%
    Fidelity Freedom Index 2030 (55 year old)6-5.47%23.09.05%8.4820.05%
    Fidelity Freedom Index 2040 (45 year old)5-7.50%25.9310.10%8.7730.06%
    Fidelity Freedom Index 2050 (35 year old)5-7.50%25.9310.10%8.7730.06%
    Fidelity Freedom Index 2060 (25 year old and younger)5-7.50%25.9310.10%8.7730.06%
    Morningstar Lifetime Allocation Index Aggressive, 206016-13.22%25.579.23%9.2930.11%
    Morningstar Lifetime Allocation Index Aggressive, 205016-12.94%25.869.48%9.3430.11%
    Morningstar Lifetime Allocation Index Aggressive, 204018-12.50%25.979.66%9.3930.11%
    Morningstar Lifetime Allocation Index Aggressive, 203018-10.53%24.279.24%9.2330.10%
    Morningstar Lifetime Allocation Index Aggressive, Income18-4.58%17.46.97%8.120.09%
    Morningstar Lifetime Allocation Index Moderate, 206016-12.52%24.979.10%9.2630.11%
    Morningstar Lifetime Allocation Index Moderate, 205016-12.17%25.149.29%9.330.11%
    Morningstar Lifetime Allocation Index Moderate, 204018-11.02%24.49.19%9.2430.11%
    Morningstar Lifetime Allocation Index Moderate, 203018-7.82%21.128.17%8.7920.10%
    Morningstar Lifetime Allocation Index Moderate, Income18-2.92%15.076.04%7.6110.09%
    Morningstar Lifetime Allocation Index Conservative, 206016-11.04%23.768.88%9.1930.10%
    Morningstar Lifetime Allocation Index Conservative, 205016-10.33%23.468.88%9.1630.10%
    Morningstar Lifetime Allocation Index Conservative, 204018-7.85%21.088.16%8.8220.10%
    Morningstar Lifetime Allocation Index Conservative, 203018-4.39%17.226.83%8.1210.09%
    Morningstar Lifetime Allocation Index Conservative, Income18-1.09%12.55.00%7.0210.09%
    Burton Malkiel Portfolio, Mid-Twenties8-9.60%24.159.06%9.5330.08%
    Burton Malkiel Portfolio, Late Thirties to Early Forties8-9.26%23.969.09%9.5730.08%
    Burton Malkiel Portfolio, Mid-Fifties8-8.86%23.329.02%9.5530.09%
    Burton Malkiel Portfolio, Late Sixties and Beyond8-7.86%21.788.68%9.2720.10%
    Dimensional 2030 Target Date Retirement Income Fund8-4.37%18.87.29%8.0720.05%
    Dimensional 2040 Target Date Retirement Income Fund7-7.00%23.949.04%8.6530.05%
    Dimensional 2050 Target Date Retirement Income Fund7-8.40%26.4910.02%9.0530.05%
    Dimensional 2060 Target Date Retirement Income Fund7-8.40%26.4910.02%9.0530.05%
    7-Twelve Portfolio Age Based 50-60 by Craig Israelsen12-6.03%15.275.06%7.0320.15%
    7-Twelve Portfolio Age Based 60-70 by Craig Israelsen12-4.47%11.993.96%6.0710.15%
    7-Twelve Portfolio Age Based 70 Plus by Craig Israelsen12-2.90%8.712.83%5.0710.15%
    TIAA-CREF Lifecycle 20306-4.49%22.018.89%8.7720.04%
    TIAA-CREF Lifecycle 20404-6.63%25.1910.04%9.230.04%
    TIAA-CREF Lifecycle 20504-7.54%26.510.51%9.3530.04%
    TIAA-CREF Lifecycle 20604-7.88%26.9510.66%9.430.04%
    TIAA-CREF Lifecycle Index Retirement Income6-1.10%15.96.52%7.6510.04%
    Goldman Sachs Target Date 2055 Portfolio13-16.39%22.399.94%9.530.17%
    Goldman Sachs Target Date 2045 Portfolio13-16.40%22.299.90%9.4830.17%
    Goldman Sachs Target Date 2035 Portfolio15-11.24%19.338.62%8.9620.15%
    Goldman Sachs Target Date 2025 Portfolio15-7.30%17.327.71%8.5620.13%
    Goldman Sachs Target Date Retirement Income Portfolio9-5.02%16.067.11%8.2410.13%

    You can find extended data, such as risk measurements and additional return periods of the portfolios over here.

    To see the asset allocation please go to the overview page and find the portfolio.

    If you need a primer on what target-date funds are we have an article describing that: What Is The Best Target Date Fund?

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