Personal Investments • Re: How to read Vanguard Target Retirement Allocation to underlying funds?

From https://advisors.vanguard.com/investmen ... #portfolio

Under the heading "Allocation to underlying funds":

• In 2020 the allocation is 36.92% stocks and 61.87% bonds
• In 2070 the allocation is 89.85% stocks and 10.16% bonds

So the stock/bond ratio is increasing?
I was expecting Target Retirement stock/bond ratio to decrease over the years.

What am I not understanding?

Those are the current allocations (as of 10/31/2024) of the funds with those names. If you click on the year at the top of each column, it'll take you to that fund (e.g., clicking on 2070 takes you to VSVNX, the Target Retirement 2070 Fund).

In other words, the Target Retirement 2070 Fund's current allocation is 89.85% stocks and 10.16% bonds, while the Target Retirement 2020 Fund's current allocation is 36.92% stocks and 61.87% bonds.

The link you provided, to the Target Retirement 2025 Fund, has that fund's current allocation highlighted in gray.

Statistics: Posted by randomwalk — Fri Nov 29, 2024 4:50 am

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