The Best Target Retirement Date Mutual Funds

The table below compares the performance and other essential indicators like dividend yield and expense ratio of 808 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.

Click on any fund in the list to see complete information, including risk and performance analysis.

Category: Target Retirement Date

Symbol	Full Name	Category	Inception	Expense Ratio	YTD Return	10Y Return (Annualized)	Dividend Yield
AAMTX	American Funds 2055 Target Date Retirement Fund	Target Retirement Date	Jan 31, 2010	0.33%	5.00%	8.89%	2.12%
AANTX	American Funds 2060 Target Date Retirement Fund	Target Retirement Date	Mar 26, 2015	0.34%	5.04%	—	2.02%
ARCVX	American Century Investments One Choice 2030 Portf...	Target Retirement Date	May 29, 2008	0.78%	1.33%	5.68%	2.78%
ARDVX	American Century Investments One Choice 2040 Portf...	Target Retirement Date	May 29, 2008	0.83%	2.10%	6.57%	2.25%
AREVX	American Century Investments One Choice 2055 Portf...	Target Retirement Date	Mar 30, 2011	0.88%	3.51%	7.71%	1.49%
ARFVX	American Century Investments One Choice 2050 Portf...	Target Retirement Date	May 29, 2008	0.88%	3.04%	7.46%	1.91%
ARGVX	American Century Investments One Choice 2060 Portf...	Target Retirement Date	Sep 29, 2015	0.88%	3.74%	—	1.57%
ARHVX	American Century Investments One Choice 2065 Portf...	Target Retirement Date	Sep 22, 2020	0.88%	3.85%	—	1.62%
AROIX	American Century Investments One Choice 2045 Portf...	Target Retirement Date	Aug 30, 2004	0.86%	2.54%	7.02%	2.15%
ARTOX	American Century Investments One Choice In Retirem...	Target Retirement Date	Aug 30, 2004	0.74%	1.09%	4.75%	4.45%
ARWIX	American Century Investments One Choice 2025 Portf...	Target Retirement Date	Aug 30, 2004	0.76%	1.19%	5.27%	3.99%
ARYIX	American Century Investments One Choice 2035 Portf...	Target Retirement Date	Aug 30, 2004	0.81%	1.63%	6.09%	2.64%
BRIAX	BlackRock Retirement Income 2030 Fund	Target Retirement Date	Jul 30, 2020	0.50%	0.17%	—	7.96%
BRIDX	BlackRock Retirement Income 2040 Fund	Target Retirement Date	Jul 30, 2020	0.50%	0.36%	—	5.95%
CAIDX	Columbia Adaptive Retirement 2025 Fund	Target Retirement Date	Apr 3, 2018	0.39%	—	—	—
CAIEX	Columbia Adaptive Retirement 2035 Fund	Target Retirement Date	Apr 3, 2018	0.39%	—	—	—
CAIHX	Columbia Adaptive Retirement 2045 Fund	Target Retirement Date	Apr 3, 2018	0.39%	—	—	—
CAIJX	Columbia Adaptive Retirement 2055 Fund	Target Retirement Date	Apr 3, 2018	0.39%	—	—	—
CARHX	Columbia Adaptive Retirement 2020 Fund	Target Retirement Date	Oct 23, 2017	0.39%	—	—	—
CARMX	Columbia Adaptive Retirement 2030 Fund	Target Retirement Date	Oct 23, 2017	0.39%	—	—	—

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.

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