Best Target Date Funds
Target date mutual funds are popular among any investors. Whether you have a 401k plan, individual retirement account (IRA), or regular investment account; you will find the target date mutual funds for your choice. These funds are suitable for passive investors that want to balance between stocks & bonds. These funds will adjust their assets based on your retirement year target.Target Date 2031-2035 fund provide a diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years 2031-2035) for retirement or another goal. The investment risks may include market risk, index tracking risk, investment style risk, etc. These target date mutual funds are also known as lifecycle mutual funds.
These top performer target date mutual funds are sorted based on its 1 year total return. You may find other information such as expense ratio fee, portfolio turnover rate, management or index approach, performance, etc. You can find the fund review and comparison below.
Best Target Date 2031-2035 Mutual Funds 2014 are:
- T. Rowe Price Retirement 2035 Fund
- American Funds 2035 Target Date Retirement Fund
- AllianceBernstein 2035 Retirement Strategy Fund
- Vanguard Target Retirement 2035 Fund
- TIAA-CREF Lifecycle Index 2035 Fund
- John Hancock Funds Retirement Living through 2035 Portfolio Fund
- JPMorgan SmartRetirement 2035 Fund
- TIAA-CREF Lifecycle 2035 Fund
- QS Legg Mason Target Retirement 2035 Fund
- Vantagepoint Milestone 2035 Fund
- Schwab Target 2035 Fund
- Fidelity Freedom 2035 Fund
T. Rowe Price Retirement 2035 Fund (TRRJX)
T. Rowe Price Retirement 2035 Fund uses its assets to purchase a diversified portfolio of other T. Rowe Price stock and bond funds that represent various asset classes and sectors. The fund manager is Jerome A. Clark. There is no sales load. The dividend yield is 0.97%. Total net assets are $11.2 billion. Its expense fee is 0.77% per year.More: Best Performing Retirement Income Mutual Funds in 2013
Morningstar has ranked this top target date 2031-2035 mutual fund with gold and 5 star rating. In 2014, it has year to date return of 6.14%. It has returned 16.97% over the past 1 year, and 12.14% over the past 3 year. You can buy this target date fund for your IRA or 401k account.
Top 4 asset allocations are US stocks (55.39%), Non US Stocks (29.01%), Bonds (11.67%), and cash (3.17%). Top 5 fund holdings are T. Rowe Price Growth Stock Fund, T. Rowe Price Value fund, T. Rowe Price Equity Index 500 fund, T. Rowe Price New Income fund, and T. Rowe Price International Growth & Income fund.
American Funds 2035 Target Date Retirement Fund (AAFTX)
Ranked with 3 star rating, American Funds 2035 Target Date Retirement Fund has a yield of 1.20%. This balanced fund has total net assets of $2.6 billion. It has an annual expense fee of 0.76%. The portfolio turnover rate is only 2%.More: Best Target Date 2021-2025 Mutual Funds 2014
This target date fund has 3 year average return of 12.49%. The current share price is $13.49.There is also as sales load of 5.75%. You can buy this mutual fund from your brokerage with as little as $250. There are 62 brokerages for buying this investment fund.
Vanguard Target Retirement 2035 Fund (VTTHX)
Vanguard Target Retirement 2035 Fund has a low expense fee of 0.18%. This no load fund invests mainly in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2035. With assets of $23 billion, it has a yield of 1.80%.Ranked with gold rating by Morningstar, it has 3 year annualized return of 11.50%. In 2014, the YTD return is 6.54%. Top 3 holdings are Vanguard Total Stock Market Index, Vanguard Total International Stock Index, and Vanguard Total Bond Market II Index.
Schwab Target 2035 Fund (SWIRX)
Schwab Target 2035 Fund is another best target date 2031-2035 mutual fund with 5 stars rating. This no load fund has an expense fee of 0.78%. With total assets of $262 million, this balanced fund is managed by Zifan Tang. The NAV (Net Asset Value) is $15.18.Fidelity Freedom 2035 Fund (FFTHX)
Fidelity Freedom 2035 Fund has a yield of 1.29%. This no load fund has total assets of $6.3 billion. Its expense fee is 0.78%. The past 5 year performance is as follows:- Year 2014: 5.41% (YTD)
- Year 2013: 20.68%
- Year 2012: 14.45%
- Year 2011: - 4.59%
- Year 2010: 14.46%
Target Date Funds Returns
| No | Fund Name | Ticker | YTD Return % | 1 Year Return % | 3 Year Return % | 5 Year Return % |
|---|---|---|---|---|---|---|
| 1 | T. Rowe Price Retirement 2035 Fund | TRRJX | 6.14 | 16.97 | 12.14 | 15.14 |
| 2 | American Funds 2035 Target Date Retirement Fund Class A | AAFTX | 5.74 | 16.12 | 12.49 | 14.1 |
| 3 | AllianceBernstein 2035 Retirement Strategy Fund Class A | LTKAX | 6.02 | 15.82 | 9.38 | 12.13 |
| 4 | Vanguard Target Retirement 2035 Fund Investor Shares | VTTHX | 6.54 | 15.67 | 11.5 | 14.1 |
| 5 | TIAA-CREF Lifecycle Index 2035 Fund Institutional Class | TLYIX | 6.24 | 15.47 | 11.91 | - |
| 6 | John Hancock Funds Retirement Living through 2035 Portfolio Class A | JLHAX | 5.85 | 15.41 | 10.39 | 13.56 |
| 7 | JPMorgan SmartRetirement 2035 | SRJAX | 5.95 | 15.08 | 11.11 | 14.44 |
| 8 | TIAA-CREF Lifecycle 2035 Fund Institutional Class | TCIIX | 4.58 | 15.03 | 11.42 | 14.18 |
| 9 | QS Legg Mason Target Retirement 2035 Fund Class A | LMNAX | 6.63 | 14.62 | 10.65 | 13.58 |
| 10 | Vantagepoint Milestone 2035 Fund Investor M Shares | VPRLX | 5.14 | 14.38 | 11.29 | 13.8 |
| 11 | Schwab Target 2035 Fund | SWIRX | 5.12 | 14.37 | 11.58 | 14.16 |
| 12 | Fidelity Freedom 2035 | FFTHX | 5.33 | 14.25 | 9.5 | 12.71 |
| 13 | GuideStone Funds MyDestination 2035 Fund Investor Class | GMHZX | 5.65 | 14.07 | 10.44 | 14.38 |
| 14 | Putnam RetirementReady 2035 Fund Class A | PRRWX | 5.62 | 14.07 | 10.44 | 12.83 |
| 15 | Fidelity Advisor Freedom 2035 Fund Class A | FATHX | 5.34 | 13.93 | 9.34 | 12.77 |
| 16 | Franklin LifeSmart 2035 Retirement Target Fund Class A | FRTAX | 3.94 | 13.83 | 8.94 | 12.35 |
| 17 | MFS Lifetime 2035 Fund Class A | LFEAX | 4.56 | 13.66 | - | - |
| 18 | BlackRock LifePath Active 2035 Portfolio Investor A Shares | BAPGX | 4.66 | 13.56 | 8.88 | 12.1 |
| 19 | MassMutual RetireSMART 2035 Fund Class A | MMXAX | 4.63 | 13.54 | 10.09 | - |
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