Vanguard Target Retirement Income Fund (VTINX)
Fund Info
US92202E1029
92202E102
Oct 27, 2003
$1,000
Expense Ratio
VTINX has an expense ratio of 0.08%, which is considered low.
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
Vanguard Target Retirement Income Fund (VTINX) returned 2.98% year-to-date (YTD) and 5.13% over the past 12 months. Over the past 10 years, VTINX returned 2.64% annually, underperforming the S&P 500 benchmark at 10.77%.
VTINX
2.98%
3.47%
-0.09%
5.13%
2.32%
2.64%
^GSPC (Benchmark)
0.08%
9.75%
-1.63%
12.74%
15.66%
10.77%
Monthly Returns
The table below presents the monthly returns of VTINX, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 1.30% | 0.60% | -0.53% | 0.91% | 0.68% | 2.98% | |||||||
| 2024 | -0.08% | 0.69% | 1.54% | -2.19% | 2.16% | 0.97% | 2.04% | 1.41% | 1.59% | -1.81% | 1.84% | -4.10% | 3.91% |
| 2023 | 3.92% | -2.12% | 2.47% | 0.71% | -0.86% | 1.52% | 1.25% | -1.16% | -2.43% | -1.45% | 5.06% | 2.54% | 9.53% |
| 2022 | -2.56% | -1.28% | -1.01% | -4.22% | 0.30% | -3.59% | 3.87% | -3.04% | -5.31% | 1.58% | 4.35% | -2.51% | -13.08% |
| 2021 | -0.33% | -0.00% | 0.41% | 1.68% | 0.73% | 0.79% | 1.04% | 0.58% | -1.74% | 1.51% | -0.45% | -4.80% | -0.75% |
| 2020 | 0.78% | -1.48% | -5.24% | 4.33% | 1.89% | 1.45% | 2.40% | 1.45% | -0.74% | -0.83% | 4.23% | -0.05% | 8.10% |
| 2019 | 3.06% | 0.84% | 1.52% | 1.12% | -0.89% | 2.74% | 0.36% | 0.80% | 0.35% | 0.79% | 0.79% | 0.88% | 13.03% |
| 2018 | 1.11% | -1.61% | 0.02% | -0.15% | 0.60% | -0.02% | 0.89% | 0.59% | -0.16% | -2.66% | 0.76% | -2.77% | -3.44% |
| 2017 | 0.86% | 1.24% | 0.34% | 0.84% | 0.83% | 0.09% | 0.98% | 0.60% | 0.37% | 0.82% | 0.59% | 0.20% | 8.03% |
| 2016 | -0.72% | 0.16% | 2.93% | 0.47% | 0.31% | 1.11% | 1.63% | 0.00% | 0.29% | -1.07% | -0.77% | 0.53% | 4.91% |
| 2015 | 0.77% | 1.08% | -0.11% | 0.46% | -0.15% | -1.23% | 0.62% | -2.16% | -0.57% | 2.22% | -0.16% | -2.53% | -1.83% |
| 2014 | -0.24% | 1.76% | 0.06% | 0.63% | 1.26% | 0.82% | -0.54% | 1.48% | -1.30% | 1.01% | 0.93% | -0.74% | 5.20% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of VTINX is 67, indicating average performance compared to other mutual funds on our website. Here’s a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Vanguard Target Retirement Income Fund (VTINX) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
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Dividends
Dividend History
Vanguard Target Retirement Income Fund provided a 3.30% dividend yield over the last twelve months, with an annual payout of $0.44 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.44 | $0.43 | $0.39 | $0.33 | $0.38 | $0.25 | $0.35 | $0.34 | $0.28 | $0.25 | $0.23 | $0.24 |
Dividend yield | 3.30% | 3.24% | 2.98% | 2.71% | 2.59% | 1.65% | 2.51% | 2.69% | 2.10% | 1.94% | 1.84% | 1.84% |
Monthly Dividends
The table displays the monthly dividend distributions for Vanguard Target Retirement Income Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | |||||||
| 2024 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.11 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.17 | $0.43 |
| 2023 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.19 | $0.39 |
| 2022 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.16 | $0.33 |
| 2021 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.21 | $0.38 |
| 2020 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.09 | $0.25 |
| 2019 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.14 | $0.35 |
| 2018 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.14 | $0.34 |
| 2017 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.13 | $0.28 |
| 2016 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.10 | $0.25 |
| 2015 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.08 | $0.23 |
| 2014 | $0.05 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.08 | $0.24 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Vanguard Target Retirement Income Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Vanguard Target Retirement Income Fund was 21.75%, occurring on Oct 14, 2022. The portfolio has not yet recovered.
The current Vanguard Target Retirement Income Fund drawdown is 4.50%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -21.75% | Nov 10, 2021 | 234 | Oct 14, 2022 | — | — | — |
| -19.96% | May 20, 2008 | 201 | Mar 9, 2009 | 176 | Nov 16, 2009 | 377 |
| -12.48% | Feb 20, 2020 | 23 | Mar 23, 2020 | 53 | Jun 8, 2020 | 76 |
| -7.13% | Apr 27, 2015 | 186 | Jan 20, 2016 | 118 | Jul 8, 2016 | 304 |
| -5.42% | Jan 29, 2018 | 232 | Dec 28, 2018 | 62 | Mar 29, 2019 | 294 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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