The Best Target Retirement Date Mutual Funds
The table below compares the performance and other essential indicators like dividend yield and expense ratio of Target Retirement Date mutual funds.
Target Retirement Date mutual funds, also known as target-date funds or lifecycle funds, are a type of investment vehicle designed to simplify retirement planning for investors. These funds gradually adjust their asset allocation based on a predetermined retirement date, automatically shifting from a more aggressive, growth-oriented portfolio to a more conservative, income-focused portfolio as the retirement date approaches.
When an investor is further from retirement, the target-date fund allocates a larger portion of its assets to equities with higher growth potential and risk. As the retirement date nears, the fund gradually shifts its allocation towards fixed-income securities and cash equivalents to prioritize capital preservation and income generation.
- Number of Funds
- 675
- Avg. Expense Ratio
- 0.42%
- Avg. Yield
- 4.72%
- Avg. 1 Year Return
- 20.77%
- Median Risk/Return Score
- 67 / 100
The Best Target Retirement Date Mutual Funds
673 results
Risk vs. Return Scatterplot
The Risk vs. Return Scatterplot allows you to quickly compare funds, stocks, and ETFs in one view. It displays the yearly return of an instrument on one axis and the risk (volatility) on the other.
Loading charts...
5 Years
Best Target Retirement Date Mutual funds by Risk/Return Score
The top Target Retirement Date Mutual funds by PortfoliosLab Risk/Return Score are PADLX (87) and SSFNX (86).
The score measures risk-adjusted performance over the past year, accounting for volatility, drawdown, and return consistency.
| Symbol | Name | Risk / Return Rank | AUM | Inception |
|---|---|---|---|---|
| Putnam Retirement Advantage Maturity Fund | 87 | — | Dec 2019 | |
| State Street Target Retirement Fund | 86 | — | Sep 2014 | |
| State Street Target Retirement 2025 Fund | 84 | — | Sep 2014 | |
| Prudential Day One Income Fund | 84 | — | Dec 2016 | |
| Dimensional 2065 Target Date Retirement Income Fun... | 83 | — | Jan 2020 |
Best-Performing Target Retirement Date Mutual funds Over 5 Years
The top Target Retirement Date Mutual funds is PDJGX (13.19%).
Across the lineup, Target Retirement Date Mutual funds show an average 1-year return of 20.77% and an average 5-year return of 7.25%, providing a clearer view of performance across different investment horizons.
| Symbol | Name | Return 5Y | AUM | Inception |
|---|---|---|---|---|
| Prudential Day One 2050 Fund | 13.19% | — | Dec 2016 | |
| Putnam Retirement Advantage 2065 Fund | 12.61% | — | Dec 2020 | |
| Putnam Retirement Advantage 2060 Fund | 12.41% | — | Dec 2019 | |
| Prudential Day One 2055 Fund | 12.20% | — | Dec 2016 | |
| Putnam Retirement Advantage 2055 Fund | 11.88% | — | Dec 2019 |
Lowest-Cost Target Retirement Date Mutual funds
The top Target Retirement Date Mutual funds is LTFIX (0.01%).
With an average expense ratio of 0.42%, Target Retirement Date Mutual funds remain a low-cost option for investors seeking broad market exposure, sector allocations, and diversified portfolio building blocks.
| Symbol | Name | Expense Ratio | AUM | Inception |
|---|---|---|---|---|
| Principal LifeTime 2055 Fund | 0.01% | — | Feb 2008 | |
| American Funds 2065 Target Date Retirement Fund | 0.01% | — | Mar 2020 | |
| Principal LifeTime 2045 Fund | 0.01% | — | Feb 2008 | |
| Principal LifeTime 2050 Fund | 0.01% | — | Feb 2001 | |
| John Hancock Funds Multi-Index 2055 Lifetime Portf... | 0.01% | — | Mar 2014 |
Highest-Yield Target Retirement Date Mutual funds
The top Target Retirement Date Mutual funds is FULSX (30.84%).
Across the lineup, Target Retirement Date Mutual funds show an average dividend yield of 4.72%, offering investors a steady stream of income through regular dividend payments, making them attractive for income-seeking portfolios.
| Symbol | Name | Dividend Yield | AUM | Inception |
|---|---|---|---|---|
| Fidelity Flex Freedom Blend 2020 Fund | 30.84% | — | Jun 2017 | |
| Voya Target Retirement 2050 Fund | 14.21% | — | Dec 2012 | |
| American Century Investments One Choice 2050 Portf... | 13.42% | 956.18M | May 2008 | |
| Voya Target Retirement 2060 Fund | 13.25% | — | Dec 2015 | |
| Fidelity Flex Freedom Blend 2025 Fund | 13.15% | — | Jun 2017 |
Top Mutual funds Categories
Diversified Portfolio · 554 Mutual fundsMunicipal Bonds · 505 Mutual fundsForeign Large Cap Equities · 447 Mutual fundsLarge Cap Growth Equities · 433 Mutual fundsLarge Cap Blend Equities · 411 Mutual fundsLarge Cap Value Equities · 337 Mutual fundsGlobal Equities · 261 Mutual fundsHigh Yield Bonds · 208 Mutual fundsSmall Cap Blend Equities · 178 Mutual fundsEmerging Markets Diversified · 174 Mutual fundsSmall Cap Growth Equities · 174 Mutual fundsMid Cap Growth Equities · 168 Mutual fundsShort-Term Bond · 139 Mutual fundsIntermediate Core-Plus Bond · 134 Mutual fundsMid Cap Blend Equities · 132 Mutual fundsSmall Cap Value Equities · 131 Mutual fundsMid Cap Value Equities · 115 Mutual fundsREIT · 115 Mutual fundsIntermediate Core Bond · 107 Mutual fundsTotal Bond Market · 104 Mutual fundsMultisector Bonds · 103 Mutual fundsForeign Small & Mid Cap Equities · 101 Mutual fundsGovernment Bonds · 100 Mutual fundsEnergy Equities · 88 Mutual fundsGlobal Allocation · 86 Mutual fundsEmerging Markets Bonds · 83 Mutual fundsTactical Allocation · 81 Mutual fundsTechnology Equities · 80 Mutual fundsGlobal Bonds · 75 Mutual fundsNontraditional Bonds · 75 Mutual funds
Top Mutual funds Comparisons
Compare the top Mutual funds symbols based on PortfoliosLab usage data.
VFIFX vs. VOOVFIFX vs. FIPFXVFIFX vs. VFIAXVFIFX vs. VTIVFIFX vs. FFFHXVFFVX vs. VOOVFFVX vs. FXAIXVFFVX vs. FDEWXVFFVX vs. SPYVFFVX vs. FDEEXVTTHX vs. FFTHXVTTHX vs. VOOVTTHX vs. FIHFXVTTHX vs. TRRJXVTTHX vs. SWYFXVFORX vs. FBIFXVFORX vs. VOOVFORX vs. SWYGXVFORX vs. VTIVFORX vs. VASGXVTTSX vs. VOOVTTSX vs. FDKLXVTTSX vs. SPYVTTSX vs. VTIVTTSX vs. VFIAXVTIVX vs. VOOVTIVX vs. FIOFXVTIVX vs. VTIVTIVX vs. SWYHXVTIVX vs. VTSAXVTHRX vs. FFFEXVTHRX vs. VOOVTHRX vs. VWELXVTHRX vs. SWDRXVTHRX vs. VTHRVTINX vs. VWINXVTINX vs. FIKFXVTINX vs. VSCGXVTINX vs. VTWNXVTINX vs. VBTIXVLXVX vs. VOOVLXVX vs. FFIJXVLXVX vs. FFSFXVLXVX vs. SPYVLXVX vs. SWYOXVTTVX vs. VTSAXVTTVX vs. TRRHXVTTVX vs. FFTWXVTTVX vs. VOOVTTVX vs. VFIAX