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
SWHRX	Schwab Target 2025 Fund	Target Retirement Date	Mar 11, 2008	0.00%	-0.41%	7.07%	10.17%	65
SWIRX	Schwab Target 2035 Fund	Target Retirement Date	Mar 11, 2008	0.00%	-0.54%	8.79%	6.86%	62
SWMRX	Schwab Target 2045 Fund	Target Retirement Date	Jan 22, 2013	0.00%	-0.53%	9.84%	5.20%	61
SWNRX	Schwab Target 2050 Fund	Target Retirement Date	Jan 22, 2013	0.00%	-0.47%	10.14%	4.93%	61
SWORX	Schwab Target 2055 Fund	Target Retirement Date	Jan 22, 2013	0.00%	-0.46%	10.31%	4.45%	61
SWPRX	Schwab Target 2060 Fund	Target Retirement Date	Aug 24, 2016	0.00%	-0.50%	—	3.78%	61
SWQRX	Schwab Target 2065 Fund	Target Retirement Date	Feb 24, 2021	0.00%	-0.46%	—	3.18%	61
SWYAX	Schwab Target 2010 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.08%	—	4.17%	70
SWYBX	Schwab Target 2015 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.15%	—	4.52%	68
SWYDX	Schwab Target 2025 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.13%	—	5.37%	66
SWYEX	Schwab Target 2030 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.17%	—	2.51%	64
SWYFX	Schwab Target 2035 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.32%	—	2.29%	62
SWYGX	Schwab Target 2040 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.30%	—	2.24%	61
SWYHX	Schwab Target 2045 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.38%	—	2.09%	60
SWYJX	Schwab Target 2055 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.41%	—	1.95%	60
SWYLX	Schwab Target 2020 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.14%	—	5.71%	67
SWYMX	Schwab Target 2050 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.37%	—	2.01%	60
SWYNX	Schwab Target 2060 Index Fund	Target Retirement Date	Aug 24, 2016	0.04%	-0.36%	—	1.93%	60
SWYOX	Schwab Target 2065 Index Fund	Target Retirement Date	Feb 24, 2021	0.04%	-0.34%	—	1.88%	59
TBLAX	T. Rowe Price Retirement Blend 2005 Fund	Target Retirement Date	Jul 25, 2021	0.19%	0.10%	—	3.64%	72

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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