VTIVX

Active

VANGUARD TARGET RETIREMENT 2045 FUND

Category: Other (5,046 funds)

Expense Ratio

0.08%

Annual Cost per $10K

$8.00

30-Year Fee Drag per $10K

$1,689

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+18.60%

Asset Allocation

US Equity

50%

Intl Equity

33%

US Bond

10%

Intl Bond

Cash

Fee Comparison

VTIVX

0.08%

Other average

0.99%

Other cheapest

FCDSX

0.00%

Index benchmark

0.03%

92% cheaper than category average

Historical Returns

Monthly total returns (dividends reinvested) from SEC N-PORT filings · As of December 2025 · Updated quarterly

+65.64%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

VTIVX at 0.08%$372,168

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$8,445

Cost vs index fund−$5,257

Similar Funds (100)

Ranked by allocation similarity weighted by fund size · Returns (dividends reinvested) from SEC N-PORT filings · As of December 2025

Ticker	Name	ER	1yr	3yr	5yr
VTIVX	VANGUARD TARGET RETIREMENT 2045 FUND	0.08%	+18.60%	+18.32%	+12.30%
VFORX	VANGUARD TARGET RETIREMENT 2040 FUND	0.08%	+17.33%	+17.14%	+11.19%
VASGX	VANGUARD LIFESTRATEGY GROWTH FUND	0.14%	+19.20%	+17.92%	+11.51%
VFIFX	VANGUARD TARGET RETIREMENT 2050 FUND	0.08%	+19.94%	+19.27%	+12.86%
VFFVX	VANGUARD TARGET RETIREMENT 2055 FUND	0.08%	+19.92%	+19.25%	+12.86%
VTTSX	VANGUARD TARGET RETIREMENT 2060 FUND	0.08%	+19.88%	+19.25%	+12.85%
FAVOX	Fidelity Freedom Index 2040 Fund	0.12%	+18.15%	—	—
FAVPX	Fidelity Freedom Index 2045 Fund	0.05%	+19.64%	—	—
FAVQX	Fidelity Freedom Index 2050 Fund	0.04%	+19.62%	—	—
FAVRX	Fidelity Freedom Index 2055 Fund	0.08%	+19.71%	—	—
FFFFX	Fidelity Freedom 2040 Fund	0.63%	+19.81%	+19.27%	+12.78%
VLXVX	VANGUARD TARGET RETIREMENT 2065 FUND	0.08%	+19.85%	+19.25%	+12.87%
FAVUX	Fidelity Freedom Index 2060 Fund	0.08%	+19.67%	—	—
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+16.09%	+15.94%	+10.07%
FWCGX	Capital World Growth & Income Fund	0.47%	+15.91%	+18.35%	+12.38%
TLMPX	Nuveen Lifecycle Index 2045 Fund	0.35%	+12.74%	+15.20%	+10.35%
FFNOX	Fidelity Multi-Asset Index Fund	0.11%	+13.40%	+14.96%	+10.03%
QCSTFX	College Retirement Equities Fund - Stock Account	—	+18.92%	+20.20%	—
TLLIX	Nuveen Lifecycle Index 2050 Fund	0.18%	+13.36%	+15.81%	+10.82%
FFFGX	Fidelity Freedom 2045 Fund	0.65%	+21.36%	+20.25%	+13.36%
FAVVX	Fidelity Freedom Index 2065 Fund	0.08%	+19.74%	—	—
FFFHX	Fidelity Freedom 2050 Fund	0.65%	+21.40%	+20.26%	+13.34%
TCLOX	Nuveen Lifecycle 2040 Fund	0.50%	+9.79%	+13.36%	+8.78%
VT	VANGUARD TOTAL WORLD STOCK INDEX FUND	0.06%	+22.33%	+21.23%	+14.51%
FFBTX	Fidelity Freedom Blend 2040 Fund	0.47%	+19.28%	+19.05%	—
TLPRX	Nuveen Lifecycle Index 2040 Fund	0.25%	+11.83%	+14.26%	+9.44%
TTIIX	Nuveen Lifecycle Index 2055 Fund	0.25%	+13.51%	+16.01%	+10.99%
FCTKX	Fidelity Freedom 2055 Fund	0.45%	+21.68%	+20.59%	+13.65%
VSVNX	VANGUARD TARGET RETIREMENT 2070 FUND	0.08%	+19.82%	+19.26%	—
QCGLFX	College Retirement Equities Fund - Global Equities Account	—	+19.54%	+21.44%	—
ACWI	iShares MSCI ACWI ETF	0.32%	+22.76%	+21.69%	+14.63%
FDKVX	Fidelity Freedom 2060 Fund	0.45%	+21.43%	+20.27%	+13.35%
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
FMQRX	Franklin Mutual Quest Fund	0.72%	+16.75%	+13.02%	+10.98%
FAFFX	Fidelity Advisor Freedom 2040 Fund	0.63%	-6.32%	-31.84%	-39.51%
TVIIX	Nuveen Lifecycle Index 2060 Fund	0.10%	+13.62%	+16.19%	+11.13%
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+14.80%	+14.74%	+8.95%
TTFIX	Nuveen Lifecycle 2045 Fund	0.68%	+10.73%	+14.58%	+9.87%
YACKX	AMG Yacktman Fund$1M min	0.62%	+15.37%	+13.06%	+13.89%
LTRDX	Principal LifeTime 2045 Fund	0.86%	+15.28%	+16.29%	+10.94%
MAGEX	MFS Growth Allocation Fund	1.19%	+9.74%	+11.71%	+8.24%
PCGJX	SAM Conservative Growth Portfolio	0.94%	+15.17%	+16.87%	+11.41%
FFBUX	Fidelity Freedom Blend 2045 Fund	0.27%	+20.64%	+19.98%	—
FSAMX	Strategic Advisers Emerging Markets Fund	0.49%	+17.63%	+12.50%	+5.51%
SWERX	Schwab Target 2040 Fund	0.49%	+17.13%	+17.20%	+10.93%
FLPCX	Fidelity Low-Priced Stock Fund	1.40%	-13.83%	—	—
FFBWX	Fidelity Freedom Blend 2050 Fund	0.20%	+20.71%	+20.00%	—
ISJAX	VOYA INDEX SOLUTION 2045 PORTFOLIO	0.22%	+18.16%	+17.95%	+12.18%
PTDAX	Principal LifeTime 2040 Fund	0.76%	+14.17%	+15.18%	+9.97%
FNNEX	New Economy Fund	0.47%	+19.36%	+21.34%	+11.35%
AGGPX	MFS Aggressive Growth Allocation Fund	0.69%	+10.90%	+13.58%	—
PFLJX	Principal LifeTime 2050 Fund	0.88%	+16.21%	+17.21%	+11.63%
FLKSX	Fidelity Low-Priced Stock K6 Fund	0.50%	+9.64%	+12.18%	+14.14%
TRGLX	T. Rowe Price Global Stock Fund	0.66%	+24.68%	+22.82%	+11.64%
IDXKX	VOYA INDEX SOLUTION 2040 PORTFOLIO	0.74%	+16.81%	+16.78%	+11.16%
GGMBX	Goldman Sachs Global Managed Beta Fund$1M min	0.37%	+13.82%	+15.96%	+11.60%
OWLSX	Old Westbury Large Cap Strategies Fund	1.09%	+19.20%	+19.95%	+11.94%
TRZRX	T. Rowe Price Real Assets Fund, Inc.	0.65%	+18.69%	+13.39%	+13.51%
FFBZX	Fidelity Freedom Blend 2055 Fund	0.37%	+20.76%	+20.03%	—
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+15.63%	—	—
FFPKX	Fidelity Freedom 2065 Fund	0.45%	—	—	—
SWYMX	Schwab Target 2050 Index Fund	0.08%	+17.58%	+18.45%	+12.68%
ACWV	iShares MSCI Global Min Vol Factor ETF	0.20%	+7.48%	+10.42%	+7.35%
SWYHX	Schwab Target 2045 Index Fund	0.08%	+16.90%	+17.82%	+12.13%
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
XT	iShares Future Exponential Technologies ETF	0.46%	+28.90%	+17.62%	+10.27%
RGTTX	Aggressive Strategy Fund	0.89%	—	—	—
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+15.80%	+14.79%	+8.58%
TCLPX	Nuveen Lifecycle 2050 Fund	0.69%	+10.95%	+14.86%	+10.00%
FCGLX	Fidelity Advisor Freedom 2045 Fund	0.65%	+20.91%	+20.04%	+13.12%
SWYGX	Schwab Target 2040 Index Fund	0.08%	+15.93%	+16.85%	+11.25%
JAFVX	Strategic Equity Allocation Trust	0.92%	+19.27%	+19.74%	+14.58%
SSDLX	State Street Target Retirement 2050 Fund	0.09%	+19.17%	+18.20%	+11.57%
PRJAX	PGIM Jennison Global Opportunities Fund	1.08%	+11.79%	+23.36%	+8.56%
EXHAX	Pro-Blend Maximum Term Series	0.70%	+10.46%	+14.03%	+9.62%
PAEBX	Putnam Dynamic Asset Allocation Growth Fund	0.68%	+32.47%	+6.87%	+10.02%
IXC	iShares Global Energy ETF	0.40%	+7.29%	+5.69%	+27.14%
FBGLX	Fidelity Advisor Freedom 2055 Fund	0.46%	+20.97%	+20.02%	+13.12%
CGGEX	American Funds Global Growth Portfolio	1.07%	+22.40%	+21.16%	+11.42%
PHJYX	Principal LifeTime Hybrid 2045 Fund	0.34%	+17.90%	+17.50%	+12.10%
SWMRX	Schwab Target 2045 Fund	0.52%	+18.25%	+18.14%	+11.71%
SSCQX	State Street Target Retirement 2040 Fund	0.09%	+17.40%	+16.78%	+10.39%
FFBRX	Fidelity Freedom Blend 2035 Fund	0.47%	+16.53%	+16.68%	—
GGPPX	Goldman Sachs Growth Strategy Portfolio	0.51%	+17.84%	+17.42%	+11.92%
VHGEX	VANGUARD GLOBAL EQUITY FUND	0.39%	+20.18%	+20.78%	+11.89%
FTGFX	Templeton Growth Fund, Inc.	1.03%	+11.76%	+16.34%	+9.48%
SWG1Z	Schwab VIT Growth Portfolio	0.55%	+16.12%	+16.36%	+10.67%
MGORX	Global Opportunity Portfolio	0.85%	+21.12%	+31.76%	+8.73%
AGVDX	American Funds Global Insight Fund	1.53%	+19.01%	+17.55%	+11.08%
TCIIX	Nuveen Lifecycle 2035 Fund	0.56%	+9.14%	+12.18%	+7.95%
MLFAX	MFS Lifetime 2040 Fund	0.81%	+13.28%	+14.80%	+11.11%
SGMAX	SIIT GLOBAL MANAGED VOLATILITY FUND	0.72%	+13.00%	+14.00%	+11.35%
SWYJX	Schwab Target 2055 Index Fund	0.08%	+18.01%	+18.78%	+13.00%
TFIPX	Nuveen Lifecycle Index 2065 Fund	0.25%	+13.61%	+16.24%	+11.87%
DOXWX	Dodge & Cox Global Stock Fund	0.52%	+17.72%	+18.34%	—
VGWAX	VANGUARD GLOBAL WELLINGTON FUND	0.43%	+7.32%	+11.22%	+8.54%
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+14.42%	+15.72%	+9.60%
TTRIX	Nuveen Lifecycle 2055 Fund	0.45%	+11.24%	+15.20%	+10.30%
TAALX	Transamerica Asset Allocation - Moderate Growth Portfolio	1.00%	+17.93%	+16.26%	—
GCEYX	AB Global Core Equity Portfolio	0.79%	+13.37%	+17.53%	+10.67%
PHJEX	Principal LifeTime Hybrid 2040 Fund	0.36%	+16.55%	+16.33%	+11.09%

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