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.

Category is Target Retirement Date

Symbol	Full Name	Category	Inception	Expense Ratio	YTD Return	10Y Return (Annualized)	Dividend Yield	Risk / Return Rank
PRMYX	Putnam RetirementReady Maturity Fund	Target Retirement Date	Oct 31, 2004	0.13%	-1.70%	3.04%	3.33%	46
PRQZX	PIMCO RealPath Blend 2055 Fund	Target Retirement Date	Dec 30, 2014	0.06%	-0.24%	10.59%	3.69%	66
PRRTX	Putnam RetirementReady 2030 Fund	Target Retirement Date	Oct 31, 2004	0.11%	-1.70%	5.72%	2.18%	42
PRRUX	Putnam RetirementReady 2050 Fund	Target Retirement Date	May 1, 2005	0.03%	-3.70%	9.27%	1.75%	33
PRRYX	Putnam RetirementReady 2035 Fund	Target Retirement Date	Oct 31, 2004	0.09%	-2.97%	6.97%	1.87%	31
PRTLX	Putnam RetirementReady 2055 Fund	Target Retirement Date	Nov 29, 2010	0.03%	-3.99%	9.60%	1.75%	32
PRTYX	Putnam RetirementReady 2060 Fund	Target Retirement Date	Nov 29, 2015	0.03%	-4.23%	9.88%	3.75%	31
PRVYX	Putnam RetirementReady 2045 Fund	Target Retirement Date	Oct 31, 2004	0.03%	-3.48%	8.79%	1.71%	33
PRZZX	Putnam RetirementReady 2040 Fund	Target Retirement Date	Oct 31, 2004	0.05%	-3.33%	8.01%	1.98%	31
PTDIX	Principal LifeTime 2040 Fund	Target Retirement Date	Feb 28, 2001	0.01%	-1.32%	9.83%	9.93%	46
PVPNX	PIMCO RealPath Blend 2040 Fund	Target Retirement Date	Dec 30, 2014	0.06%	-0.22%	9.68%	5.14%	65
PVQNX	PIMCO RealPath Blend 2045 Fund	Target Retirement Date	Dec 30, 2014	0.06%	-0.28%	10.23%	4.53%	66
RAQTX	American Funds 2065 Target Date Retirement Fund Cl...	Target Retirement Date	Mar 27, 2020	1.49%	-2.86%	—	3.97%	56
RBATX	American Funds 2010 Target Date Retirement Fund Cl...	Target Retirement Date	Feb 1, 2007	1.37%	0.25%	5.22%	6.13%	71
RFDTX	American Funds 2025 Target Date Retirement Income ...	Target Retirement Date	Feb 1, 2007	0.31%	-0.19%	7.91%	7.68%	77
RFETX	American Funds 2030 Target Date Retirement Fund Cl...	Target Retirement Date	Feb 1, 2007	0.33%	-0.80%	8.97%	6.67%	72
RFFTX	American Funds 2035 Target Date Retirement Fund Cl...	Target Retirement Date	Feb 1, 2007	0.34%	-1.33%	10.16%	6.35%	68
RFGTX	American Funds 2040 Target Date Retirement Fund Cl...	Target Retirement Date	Feb 1, 2007	0.36%	-1.82%	10.99%	6.33%	65
RFHTX	American Funds 2045 Target Date Retirement Fund Cl...	Target Retirement Date	Feb 1, 2007	0.37%	-2.16%	11.21%	6.24%	64
RFITX	American Funds 2050 Target Date Retirement Fund Cl...	Target Retirement Date	Feb 1, 2007	0.37%	-2.32%	11.27%	6.21%	62

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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