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
SMTSX	JPMorgan SmartRetirement 2040 Fund	Target Retirement Date	May 14, 2006	0.25%	-1.05%	9.47%	5.84%	49
SRJSX	JPMorgan SmartRetirement 2035 Fund	Target Retirement Date	Jul 30, 2007	0.25%	-0.88%	8.72%	5.90%	52
SSBRX	State Street Target Retirement 2025 Fund	Target Retirement Date	Sep 29, 2014	0.13%	0.87%	7.59%	6.01%	80
SSBWX	State Street Target Retirement 2030 Fund	Target Retirement Date	Sep 29, 2014	0.15%	0.00%	8.45%	6.91%	71
SSCJX	State Street Target Retirement 2035 Fund	Target Retirement Date	Sep 29, 2014	0.19%	-0.33%	8.99%	6.95%	68
SSCNX	State Street Target Retirement 2040 Fund	Target Retirement Date	Sep 29, 2014	0.20%	-0.45%	9.45%	7.24%	67
SSDDX	State Street Target Retirement 2045 Fund	Target Retirement Date	Sep 29, 2014	0.18%	-0.42%	9.92%	6.70%	67
SSDJX	State Street Target Retirement 2050 Fund	Target Retirement Date	Sep 29, 2014	0.21%	-0.41%	10.12%	6.08%	66
SSDOX	State Street Target Retirement 2055 Fund	Target Retirement Date	Sep 29, 2014	0.21%	-0.40%	10.22%	4.87%	66
SSDWX	State Street Target Retirement 2060 Fund	Target Retirement Date	Sep 29, 2014	0.18%	-0.39%	10.47%	4.50%	66
SSFNX	State Street Target Retirement Fund	Target Retirement Date	Sep 29, 2014	0.10%	0.97%	5.56%	4.82%	84
STLAX	BlackRock LifePath Dynamic Retirement Fund	Target Retirement Date	Feb 28, 1994	0.51%	0.41%	6.21%	4.81%	68
STLDX	BlackRock LifePath Dynamic 2030 Fund	Target Retirement Date	Feb 28, 1994	0.49%	0.41%	7.54%	4.07%	61
STLEX	BlackRock LifePath Dynamic 2040 Fund	Target Retirement Date	Feb 28, 1994	0.47%	0.21%	9.26%	6.12%	58
STLFX	BlackRock LifePath Dynamic 2050 Fund	Target Retirement Date	Jun 29, 2008	0.49%	-0.20%	10.14%	6.21%	55
SWBRX	Schwab Target 2010 Fund	Target Retirement Date	Jun 30, 2005	0.00%	-0.30%	5.49%	7.56%	69
SWCRX	Schwab Target 2020 Fund	Target Retirement Date	Jun 30, 2005	0.00%	-0.39%	6.24%	10.40%	65
SWDRX	Schwab Target 2030 Fund	Target Retirement Date	Jun 30, 2005	0.00%	-0.47%	8.08%	8.35%	63
SWERX	Schwab Target 2040 Fund	Target Retirement Date	Jun 30, 2005	0.00%	-0.56%	9.39%	7.23%	61
SWGRX	Schwab Target 2015 Fund	Target Retirement Date	Mar 11, 2008	0.00%	-0.36%	5.76%	8.90%	68

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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