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VTTVX Mutual Fund — Vanguard Target Retirement 2025 Fund
Vanguard Target Retirement 2025 Fund (VTTVX)
Updated October 16, 2026.
Verdict as of October 16, 2026
VTTVX's distribution is rated safe by the Dividend Vision Distribution Safety Score™ (83/100, low confidence). It pays annual and its distribution rate is 2.62%. The latest total cash payment per current share, $1.47 with an ex-date of December 23, 2025, was 3.2% higher than the previous $1.43. These payments are unclassified; this does not establish a base-dividend change.
Sources: Vanguard page for VTTVX, Section 19a-1 notices, scoring methodology.
VTTVX is a low-cost Mutual Fund. its distribution rate is 2.62%, its trailing-12-month yield is 7.00%, its expense ratio is 0.08%. Dividend Vision Distribution Safety Score™ is 83/100 (Safe). Total return is 540.6% over the past 23 years, 479.9 points behind SPY at 1020.5%.
Vanguard Target Retirement 2025 Fund is a mutual fund that invests in a diversified mix of Vanguard mutual funds with an asset allocation designed for investors planning to retire around 2025; the portfolio automatically becomes more conservative over time, gradually shifting from stocks toward bonds and fixed income investments. The fund carries a modest current distribution rate and distributes annually, with a very low expense ratio of 0.08%. It appeals to investors seeking a simple, hands-off approach to retirement planning with automatic risk management as they approach their target retirement year.
VTTVX dividend yield and income
Price as of 2026-10-16.
The distribution rate (2.62%) uses calculation basis unavailable. Trailing-12-month yield (7.00%) is the last year of cash distributions by ex-date divided by the current price. The dividend amount is $1.473. The ex-dividend date is 12/23/2025. The payment date is 12/24/2025.
| Ex-date | Amount | Change from previous payment |
|---|---|---|
| 2025-12-23 | $1.473 | 3.2% Unclassified cash |
| 2024-12-30 | $1.427 | 96.0% Unclassified cash |
| 2023-12-27 | $0.728 | 47.4% Unclassified cash |
| 2022-12-28 | $0.494 | -85.1% Unclassified cash |
| 2021-12-29 | $3.311 | 253.4% Unclassified cash |
| 2020-12-30 | $0.937 | 83.7% Unclassified cash |
| 2019-12-27 | $0.51 | -4.5% Unclassified cash |
| 2018-12-28 | $0.534 | 16.8% Unclassified cash |
| 2017-12-28 | $0.457 | 4.3% Unclassified cash |
| 2016-12-28 | $0.438 | -43.7% Unclassified cash |
| 2015-12-29 | $0.778 | 121.0% Unclassified cash |
| 2014-12-29 | $0.352 | 15.8% Unclassified cash |
| 2013-12-26 | $0.304 | -1.3% Unclassified cash |
| 2012-12-28 | $0.308 | 1.3% Unclassified cash |
| 2011-12-29 | $0.304 | 14.3% Unclassified cash |
| 2010-12-30 | $0.266 | 5.6% Unclassified cash |
| 2009-12-30 | $0.252 | -22.0% Unclassified cash |
| 2008-12-30 | $0.323 | 4.2% Unclassified cash |
| 2007-12-27 | $0.31 | 6.9% Unclassified cash |
| 2006-12-28 | $0.29 | 20.3% Unclassified cash |
| 2005-12-29 | $0.241 | 32.4% Unclassified cash |
| 2004-12-29 | $0.182 | 203.3% Unclassified cash |
| 2003-12-23 | $0.06 | — |
| 2003 total (partial launch year) | $0.06 | — |
| 2004 total | $0.182 | — |
| 2005 total | $0.241 | 32.4% |
| 2006 total | $0.29 | 20.3% |
| 2007 total | $0.31 | 6.9% |
| 2008 total | $0.323 | 4.2% |
| 2009 total | $0.252 | -22.0% |
| 2010 total | $0.266 | 5.6% |
| 2011 total | $0.304 | 14.3% |
| 2012 total | $0.308 | 1.3% |
| 2013 total | $0.304 | -1.3% |
| 2014 total | $0.352 | 15.8% |
| 2015 total | $0.778 | 121.0% |
| 2016 total | $0.438 | -43.7% |
| 2017 total | $0.457 | 4.3% |
| 2018 total | $0.534 | 16.8% |
| 2019 total | $0.51 | -4.5% |
| 2020 total | $0.937 | 83.7% |
| 2021 total | $3.311 | 253.4% |
| 2022 total | $0.494 | -85.1% |
| 2023 total | $0.728 | 47.4% |
| 2024 total | $1.427 | 96.0% |
| 2025 total | $1.473 | 3.2% |
VTTVX dividend growth
Trailing-12-month distributions versus the preceding 12 months changed +3.2%. The 1Y row below uses this same adjacent TTM cash-window comparison. The deepest trailing-12-month payout decline in the past five years is -22.31%.
| Window | Change |
|---|---|
| 1Y | +3.2% |
| 3Y | 198.2% |
| 5Y | 57.2% |
| 10Y | 89.3% |
VTTVX holdings and sector exposure
Holdings are not available for this snapshot.
VTTVX performance versus SPY
Price and return data through 2026-10-16.
Total return is 540.6% over the past 23 years, 479.9 points behind SPY at 1020.5%. Over the past year its total return — price change plus distributions reinvested — is 7.1%. Its deepest 1-year drawdown was 5.6%.
| Window | Total return | CAGR |
|---|---|---|
| 1M | 0.0% | — |
| 3M | -0.8% | — |
| 6M | 2.1% | — |
| YTD | 5.4% | — |
| 1Y | 7.1% | — |
| 2Y CAGR | — | 11.80% |
| 3Y CAGR | — | 15.10% |
| 5Y CAGR | — | 10.10% |
| 10Y CAGR | — | 10.80% |
| Since inception (23 years) | 540.6% | 8.40% |
VTTVX key facts
- Distribution Safety Score™
- 83 · Safe
- Safety-Adjusted Yield
- 2.17%
- Issuer
- Vanguard
- Asset type
- Mutual Fund
- Asset class
- Equity
- Inception date
- 10/27/2003
- Expense ratio
- 0.08%
- Distribution rate
- 2.62%
- Distribution frequency
- Annual
- Trailing yield
- 7.00%
- Last close
- $21.03 (as of 2026-10-16)
- NAV
- $22.11 as of 2026-09-30; source eodhd (stale)
- Premium / discount
- N/A (price 2026-10-16, NAV 2026-09-30) (NAV stale)
- AUM
- $71,532,320,000
- Average volume
- 0.0
- Dividend
- $1.473
- Ex-dividend date
- 12/23/2025
- Payment date
- 12/24/2025
- Beta
- 0.83
How Dividend Vision calculates yield and returns
Distribution rate (2.62%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (7.00%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.
Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology
Sources and review
Primary sources: Vanguard or company page; prices and distributions from Dividend Vision, derived from vendor EOD data.
Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.
VTTVX risks and drawbacks
VTTVX's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are annual, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 5.6%.
Who may consider VTTVX — and who may not
VTTVX may suit someone looking for low-cost broad dividend exposure, a high Distribution Safety Score, moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (VTTVX pays annual); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.
More on VTTVX
Frequently asked questions
Does VTTVX pay monthly?
No. VTTVX currently pays annual, not monthly.
What is VTTVX's expense ratio?
VTTVX's expense ratio is 0.08%.
What is VTTVX's dividend yield?
VTTVX's distribution rate is 2.62%, paid annual, with a 0.08% expense ratio — calculation basis unavailable.
How has VTTVX's dividend grown?
Trailing-12-month distributions versus the preceding 12 months changed +3.2%. That is the same adjacent TTM cash-window comparison used in the dividend-history table.
When does VTTVX pay a dividend?
VTTVX pays annual. The dividend amount is $1.473. The ex-dividend date is 12/23/2025. The payment date is 12/24/2025.
How has VTTVX performed?
Total return is 540.6% over the past 23 years, 479.9 points behind SPY at 1020.5%. Over the past year its total return — price change plus distributions reinvested — is 7.1%. Its deepest 1-year drawdown was 5.6%.
Is VTTVX a good investment?
VTTVX's Dividend Vision Distribution Safety Score is 83 (Safe). That is a risk signal, not investment advice. Its distribution rate is 2.62% (calculation basis unavailable). Compare peers below rather than treating any single figure as a buy or sell.
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