VTIVX — Vanguard Target Retirement 2045 Fund
Vanguard Target Retirement 2045 Fund (VTIVX)
VTIVX pays a 2.21% distribution rate, annual, on a 0.33% expense ratio. Its Distribution Safety Score™ is 96 (Safe), giving a Safety-Adjusted Yield of 2.12%. Total return is 768.1% over the past 22.8 years, 268.8 points behind SPY at 1036.9%. Its deepest 1-year drawdown was 8.3%.
Vanguard Target Retirement 2045 Fund is a mutual fund that invests in a diversified mix of Vanguard stock and bond funds, with an asset allocation strategy designed for investors planning to retire around 2045; the fund automatically becomes more conservative over time by gradually shifting from stocks toward bonds and fixed-income investments. The fund carries a modest expense ratio of 0.33% and distributes income annually at a modest rate. It appeals to long-term, goal-focused investors seeking a simple, hands-off approach to retirement planning with automatic asset rebalancing as their target retirement date approaches.
VTIVX key facts
- Distribution Safety Score™
- 96 · Safe
- Safety-Adjusted Yield
- 2.12%
- Issuer
- Vanguard
- Asset type
- Mutual Fund
- Asset class
- Equity
- Inception date
- 10/27/2003
- Expense ratio
- 0.33%
- Distribution rate
- 2.21%
- Distribution frequency
- Annual
- Trailing yield
- 2.21%
- Last close
- $39.25
- AUM
- $121,069,260,000
- Average volume
- 0.0
- Last dividend
- $0.8670
- Ex-dividend date
- 12/23/2025
- Payment date
- 12/24/2025
- Beta
- 1.13
- P/E ratio
- 22.935
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