Vanguard Target Retirement 2030 Fund (VTHRX)

Vanguard Target Retirement 2030 Fund (VTHRX) is a popular target date mutual fund. This Vanguard fund objective is to provide capital appreciation and current income consistent with its current asset allocation.

This mutual fund invests mainly in other Vanguard mutual funds according to an asset allocation strategy. This Vanguard fund is designed for investors planning to retire and leave the workforce in or within a few years of 2030.

VTHRX Fund Profile

• Fund Inception Date: 06/07/2006
• Ticker Symbol: VTHRX
• CUSIP: 92202E888
• Beta (3yr): 1.23
• Rank in category (YTD): 40%
• Category: Target Date 2026-2030
• Distribution Yield: 1.85%
• Capital Gains: -
• Expense Ratio: 0.17%
• Net Assets: $ 25.8 billion
• Number of Years Up: 6 years
• Number of Years Down: 2 years
• Annual Turnover Rate: 7%

This Vanguard Target Retirement 2030 Fund is managed Michael H. Buek, William Coleman, and Walter Nejman. It has 12-month dividend yield of 1.85%. This Vanguard fund has $25.8 billion of assets. Its annual holdings turnover is quite low, only 7%.
This actively managed mutual fund has an expense ratio is 0.17% per year.

Vanguard Target Retirement 2030 Fund Performance

Since this fund was first introduced to public in 2010, it has achieved 6 years of positive return and 2 years of negative return. This top target date 2026-2030 fund has a 3-year average return of 11.87%. This VTHRX fund is rated with 4-stars rating by Morningstar.

More: Best Vanguard ETFs for 2015

This equity fund’s performance for the past 4 years is as follows:

• Year 2014: 7.17%
• Year 2013: 20.49%
• Year 2012:14.24%
• Year 2011: -1.27%

You can buy this best Vanguard fund with a minimum initial investment of $3000, for either brokerage or retirement account.  You can buy from your online broker such as Vanguard, TD Ameritrade, Schwab, etc.

VTHRX Fund Holdings

As of January 2015, the top 4 funds in its portfolio are Vanguard Total Stock Market Index Inv, Vanguard Total International Stock Index Inv, Vanguard Total Bond Market II Index Inv, and Vanguard Total International Bond Index Investor. Top 3 sectors are financial services, technology, and healthcare.

The investment risks include market conditions, investing in stocks, management risk, political risk, etc.

Pros:

• This Vanguard Target Retirement 2030 Fund has no sales load and is great for retirement account.
• It is easy to invest through brokerage especially through Vanguard.

Cons:

• None.

Other Vanguard Target Date Mutual Funds:

• Vanguard Target Retirement 2010 Fund (VTENX)
• Vanguard Target Retirement 2025 Fund (VTTVX)