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.

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:

Here are the target date fund portfolios in detail

Target-Date Portfolios Performance

Portfolio NameNumber of asset classes1 year return 2019YTD (incl. December 2019)10 year returnDrawdownRisk LevelMarket CorrelationDollar Value
S&P 500 (Benchmark)131.25%31.25%12.97%-37.71%5 - very high risk0.99$167,045.76
7Twelve Portfolio1217.15%17.15%6.61%-23.19%3 - medium risk0.79$89,255.65
Paul Merriman Target Date Portfolio (25 year old)423.37%23.37%11.77%-37.29%5 - very high risk0.78$208,879.80
Paul Merriman Target Date Portfolio (35 year old)1123.32%23.32%11.73%-37.11%5 - very high risk0.79$199,704.11
Paul Merriman Target Date Portfolio (45 year old)1421.98%21.98%11.09%-34.01%5 - very high risk0.82$174,635.70
Paul Merriman Target Date Portfolio (55 year old)1418.82%18.82%9.54%-26.44%3 - medium risk0.85$136,442.55
Paul Merriman Target Date Portfolio (65 year old)1414.10%14.10%7.13%-14.68%2 - low risk0.84$99,510.95
iShares Lifepath Fund715.89%15.89%6.56%-13.57%2 - low risk0.92$80,698.80
iShares LifePath Index 2060 Fund (25 year old)527.53%27.53%10.75%-38.86%5 - very high risk0.95$112,270.53
iShares LifePath Index 2050 Fund (35 year old)627.56%27.56%10.76%-38.79%5 - very high risk0.95$112,567.78
iShares LifePath Index 2040 Fund (45 year old)725.71%25.71%10.11%-34.54%5 - very high risk0.96$109,036.34
iShares LifePath Index 2030 Fund (55 year old)721.81%21.81%8.72%-26.20%3 - medium risk0.96$98,750.68
Fidelity Freedom Index 2030 (55 year old)622.94%22.94%9.10%-28.24%4 - high risk0.98$100,246.61
Fidelity Freedom Index 2040 (45 year old)525.89%25.89%10.22%-34.85%5 - very high risk0.97$106,498.52
Fidelity Freedom Index 2050 (35 year old)525.89%25.89%10.22%-34.85%5 - very high risk0.97$106,498.52
Fidelity Freedom Index 2060 (25 year old and younger)525.89%25.89%10.22%-34.85%5 - very high risk0.97$106,498.52
Vanguard Target Retirement 2030 (55 year old)421.60%21.60%8.56%-26.42%3 - medium risk0.96$89,870.99
Vanguard Target Retirement 2040 (45 year old)424.37%24.37%9.54%-33.14%4 - high risk0.96$94,018.21
Vanguard Target Retirement 2050 (35 year old)425.26%25.26%9.85%-35.31%5 - very high risk0.96$94,771.32
Vanguard Target Retirement 2060 (25 year old)425.26%25.26%9.84%-35.36%5 - very high risk0.95$94,566.58
Schwab Target Date Fund 2030 (55 year old)821.36%21.36%8.60%-25.67%3 - medium risk0.96$101,528.93
Schwab Target Date Fund 2040 (45 year old)824.11%24.11%9.71%-32.53%4 - high risk0.96$112,877.40
Schwab Target Date Fund 2050 (35 year old)825.47%25.47%10.25%-36.12%5 - very high risk0.95$117,912.78
Schwab Target Date Fund 2060 (25 year old)726.32%26.32%10.59%-38.22%5 - very high risk0.95$121,276.86
Morningstar Lifetime Allocation Index Aggressive, 20601824.56%24.56%9.90%-39.58%5 - very high risk0.91$121,837.52
Morningstar Lifetime Allocation Index Aggressive, 20501824.81%24.81%10.07%-39.34%5 - very high risk0.92$123,631.03
Morningstar Lifetime Allocation Index Aggressive, 20401824.89%24.89%10.17%-38.68%5 - very high risk0.93$125,053.25
Morningstar Lifetime Allocation Index Aggressive, 20301823.31%23.31%9.58%-33.69%4 - high risk0.94$120,145.92
Morningstar Lifetime Allocation Index Aggressive, Income1816.19%16.19%6.95%-17.81%2 - low risk0.91$90,425.62
Morningstar Lifetime Allocation Index Moderate, 20601824.02%24.02%9.70%-37.69%5 - very high risk0.92$121,094.82
Morningstar Lifetime Allocation Index Moderate, 20501824.16%24.16%9.82%-37.23%5 - very high risk0.93$122,307.82
Morningstar Lifetime Allocation Index Moderate, 20401823.48%23.48%9.59%-34.58%5 - very high risk0.94$120,477.91
Morningstar Lifetime Allocation Index Moderate, 20301820.33%20.33%8.34%-26.08%3 - medium risk0.94$107,427.03
Morningstar Lifetime Allocation Index Moderate, Income1813.78%13.78%5.96%-13.00%2 - low risk0.85$79,623.70
Morningstar Lifetime Allocation Index Conservative, 20601823.01%23.01%9.37%-33.85%4 - high risk0.92$118,850.00
Morningstar Lifetime Allocation Index Conservative, 20501822.72%22.72%9.27%-32.36%4 - high risk0.93$117,838.75
Morningstar Lifetime Allocation Index Conservative, 20401820.45%20.45%8.35%-25.86%3 - medium risk0.94$107,858.87
Morningstar Lifetime Allocation Index Conservative, 20301816.53%16.53%6.78%-16.47%2 - low risk0.91$89,725.31
Morningstar Lifetime Allocation Index Conservative, Income1811.09%11.09%4.85%-7.65%1 - very low risk0.68$68,098.57
Burton Malkiel Portfolio, Mid-Twenties824.66%24.66%9.76%-34.95%5 - very high risk0.9$133,157.53
Burton Malkiel Portfolio, Late Thirties to Early Forties824.56%24.56%9.71%-33.66%4 - high risk0.91$134,960.30
Burton Malkiel Portfolio, Mid-Fifties824.16%24.16%9.53%-31.13%4 - high risk0.91$135,001.91
Burton Malkiel Portfolio, Late Sixties and Beyond822.77%22.77%8.98%-26.55%4 - high risk0.91$126,498.47
Dimensional 2030 Target Date Retirement Income Fund818.59%18.59%7.39%-23.00%3 - medium risk0.93$83,928.30
Dimensional 2040 Target Date Retirement Income Fund725.75%25.75%9.12%-32.72%4 - high risk0.96$92,411.83
Dimensional 2050 Target Date Retirement Income Fund727.10%27.10%10.30%-37.84%5 - very high risk0.96$110,277.76
Dimensional 2060 Target Date Retirement Income Fund727.10%27.10%10.30%-37.84%5 - very high risk0.96$110,277.76
Dimensional Retirement Income Fund79.54%9.54%4.28%-8.22%1 - very low risk0.7$49,881.16
7-Twelve Portfolio Age Based 50-60 by Craig Israelsen1214.12%14.12%5.40%-18.12%2 - low risk0.79$70,557.65
7-Twelve Portfolio Age Based 60-70 by Craig Israelsen1211.10%11.10%4.18%-13.07%2 - low risk0.78$55,058.12
7-Twelve Portfolio Age Based 70 Plus by Craig Israelsen128.08%8.08%2.92%-8.02%1 - very low risk0.74$42,365.62
TIAA-CREF Lifecycle 2030622.04%22.04%8.97%-25.56%3 - medium risk0.97$109,386.11
TIAA-CREF Lifecycle 2040425.26%25.26%10.21%-32.62%4 - high risk0.97$120,538.59
TIAA-CREF Lifecycle 2050426.56%26.56%10.71%-35.57%5 - very high risk0.97$124,411.43
TIAA-CREF Lifecycle 2060427.02%27.02%10.88%-36.65%5 - very high risk0.97$125,752.82
TIAA-CREF Lifecycle Index Retirement Income615.64%15.64%6.50%-13.33%2 - low risk0.92$83,980.01
Goldman Sachs Target Date 2055 Portfolio1025.05%25.05%10.09%-35.20%5 - very high risk0.94$114,954.25
Goldman Sachs Target Date 2045 Portfolio1224.44%24.44%9.88%-33.25%4 - high risk0.94$114,466.39
Goldman Sachs Target Date 2035 Portfolio1221.74%21.74%8.72%-26.10%3 - medium risk0.94$102,602.09
Goldman Sachs Target Date 2025 Portfolio1318.94%18.94%7.68%-19.22%2 - low risk0.91$90,512.98
Portfolio NameNumber of asset classes1 year return 2019YTD (incl. December 2019)10 year returnCAGR since 1989DrawdownRisk Level
S&P 500 (Benchmark)
131.25%31.25%12.97%9.84%-37.71%5 - very high risk
Paul Merriman Target Date Portfolio (25 year old)423.37%23.37%11.77%10.66%-37.29%5 - very high risk
Paul Merriman Target Date Portfolio (35 year old)1123.32%23.32%11.73%10.50%-37.11%5 - very high risk
Paul Merriman Target Date Portfolio (45 year old)1421.98%21.98%11.09%10.00%-34.01%5 - very high risk
Paul Merriman Target Date Portfolio (55 year old)1418.82%18.82%9.54%9.10%-26.44%3 - medium risk
Paul Merriman Target Date Portfolio (65 year old)1414.10%14.10%7.13%7.96%-14.68%2 - low risk
iShares Lifepath Fund715.89%15.89%6.56%7.21%-13.57%2 - low risk
iShares LifePath Index 2060 Fund (25 year old)527.53%27.53%10.75%8.39%-38.86%5 - very high risk
iShares LifePath Index 2050 Fund (35 year old)627.56%27.56%10.76%8.40%-38.79%5 - very high risk
iShares LifePath Index 2040 Fund (45 year old)725.71%25.71%10.11%8.29%-34.54%5 - very high risk
iShares LifePath Index 2030 Fund (55 year old)721.81%21.81%8.72%7.93%-26.20%3 - medium risk
Fidelity Freedom Index 2030 (55 year old)622.94%22.94%9.10%7.99%-28.24%4 - high risk
Fidelity Freedom Index 2040 (45 year old)525.89%25.89%10.22%8.20%-34.85%5 - very high risk
Fidelity Freedom Index 2050 (35 year old)525.89%25.89%10.22%8.20%-34.85%5 - very high risk
Fidelity Freedom Index 2060 (25 year old and younger)525.89%25.89%10.22%8.20%-34.85%5 - very high risk
Schwab Target Date Fund 2030 (55 year old)821.36%21.36%8.60%8.03%-25.67%3 - medium risk
Schwab Target Date Fund 2040 (45 year old)824.11%24.11%9.71%8.41%-32.53%4 - high risk
Schwab Target Date Fund 2050 (35 year old)825.47%25.47%10.25%8.57%-36.12%5 - very high risk
Schwab Target Date Fund 2060 (25 year old)726.32%26.32%10.59%8.67%-38.22%5 - very high risk
Alpha Architect Robust820.10%20.10%8.86%9.70%-29.92%4 - high risk
Morningstar Lifetime Allocation Index Aggressive, 20601824.56%24.56%9.90%8.69%-39.58%5 - very high risk
Morningstar Lifetime Allocation Index Aggressive, 20501824.81%24.81%10.07%8.74%-39.34%5 - very high risk
Morningstar Lifetime Allocation Index Aggressive, 20401824.89%24.89%10.17%8.79%-38.68%5 - very high risk
Morningstar Lifetime Allocation Index Aggressive, 20301823.31%23.31%9.58%8.64%-33.69%4 - high risk
Morningstar Lifetime Allocation Index Aggressive, Income1816.19%16.19%6.95%7.62%-17.81%2 - low risk
Morningstar Lifetime Allocation Index Moderate, 20601824.02%24.02%9.70%8.67%-37.69%5 - very high risk
Morningstar Lifetime Allocation Index Moderate, 20501824.16%24.16%9.82%8.70%-37.23%5 - very high risk
Morningstar Lifetime Allocation Index Moderate, 20401823.48%23.48%9.59%8.65%-34.58%5 - very high risk
Morningstar Lifetime Allocation Index Moderate, 20301820.33%20.33%8.34%8.24%-26.08%3 - medium risk
Morningstar Lifetime Allocation Index Moderate, Income1813.78%13.78%5.96%7.16%-13.00%2 - low risk
Morningstar Lifetime Allocation Index Conservative, 20601823.01%23.01%9.37%8.60%-33.85%4 - high risk
Morningstar Lifetime Allocation Index Conservative, 20501822.72%22.72%9.27%8.57%-32.36%4 - high risk
Morningstar Lifetime Allocation Index Conservative, 20401820.45%20.45%8.35%8.25%-25.86%3 - medium risk
Morningstar Lifetime Allocation Index Conservative, 20301816.53%16.53%6.78%7.59%-16.47%2 - low risk
Morningstar Lifetime Allocation Index Conservative, Income1811.09%11.09%4.85%6.60%-7.65%1 - very low risk
Burton Malkiel Portfolio, Mid-Twenties824.66%24.66%9.76%9.01%-34.95%5 - very high risk
Burton Malkiel Portfolio, Late Thirties to Early Forties824.56%24.56%9.71%9.06%-33.66%4 - high risk
Burton Malkiel Portfolio, Mid-Fifties824.16%24.16%9.53%9.06%-31.13%4 - high risk
Burton Malkiel Portfolio, Late Sixties and Beyond822.77%22.77%8.98%8.83%-26.55%4 - high risk
Dimensional 2030 Target Date Retirement Income Fund818.59%18.59%7.39%7.35%-23.00%3 - medium risk
Dimensional 2040 Target Date Retirement Income Fund725.75%25.75%9.12%7.69%-32.72%4 - high risk
Dimensional 2050 Target Date Retirement Income Fund727.10%27.10%10.30%8.33%-37.84%5 - very high risk
Dimensional 2060 Target Date Retirement Income Fund727.10%27.10%10.30%8.33%-37.84%5 - very high risk
7-Twelve Portfolio Age Based 50-60 by Craig Israelsen1214.12%14.12%5.40%6.73%-18.12%2 - low risk
7-Twelve Portfolio Age Based 60-70 by Craig Israelsen1211.10%11.10%4.18%5.85%-13.07%2 - low risk
7-Twelve Portfolio Age Based 70 Plus by Craig Israelsen128.08%8.08%2.92%4.93%-8.02%1 - very low risk
TIAA-CREF Lifecycle 2030622.04%22.04%8.97%8.30%-25.56%3 - medium risk
TIAA-CREF Lifecycle 2040425.26%25.26%10.21%8.65%-32.62%4 - high risk
TIAA-CREF Lifecycle 2050426.56%26.56%10.71%8.77%-35.57%5 - very high risk
TIAA-CREF Lifecycle 2060427.02%27.02%10.88%8.81%-36.65%5 - very high risk
TIAA-CREF Lifecycle Index Retirement Income615.64%15.64%6.50%7.35%-13.33%2 - low risk
Goldman Sachs Target Date 2055 Portfolio1025.05%25.05%10.09%8.48%-35.20%5 - very high risk
Goldman Sachs Target Date 2045 Portfolio1224.44%24.44%9.88%8.46%-33.25%4 - high risk
Goldman Sachs Target Date 2035 Portfolio1221.74%21.74%8.72%8.07%-26.10%3 - medium risk
Goldman Sachs Target Date 2025 Portfolio1318.94%18.94%7.68%7.62%-19.22%2 - low risk

 

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

Asset allocation for each portfolio is here.

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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