Your plan’s funds

You can create a mix of assets that fits your needs no matter how much investing experience you have. Consider completing the Investor Questionnaire to compare your choices to Vanguard’s suggested asset mix.

All-in-one investment options: Target Retirement Funds provide a predetermined mix of stocks and bonds. If you choose this option, you may want to make one fund your primary holding.

All-in-one options

Vanguard Target Retirement Income Fund

Vanguard Target Retirement 2020 Fund

Vanguard Target Retirement 2025 Fund

Vanguard Target Retirement 2030 Fund

Vanguard Target Retirement 2035 Fund

Vanguard Target Retirement 2040 Fund

Vanguard Target Retirement 2045 Fund

Vanguard Target Retirement 2050 Fund

Vanguard Target Retirement 2055 Fund

Vanguard Target Retirement 2060 Fund

Vanguard Target Retirement 2065 Fund

Vanguard Target Retirement 2070 Fund

Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Income Fund has a fixed investment allocation and is designed for investors who are already retired. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.

Core funds: Select your own funds to create a mix of assets just for you. Consider completing the Investor Questionnaire to compare your choices to Vanguard’s suggested asset mix.

Short-term reserves

Vanguard Treasury Money Market Fund
Vanguard Retirement Savings Trust III

As its name suggests, a stable value investment tries to keep its share price constant. But this is not guaranteed, and it's possible to lose money with an investment like this. Unlike bank savings accounts, this investment is not insured by the U.S. government. It's also not insured by your employer or Vanguard.

Bond funds

Vanguard High-Yield Corporate Fund Admiral^™ Shares
Vanguard Total Bond Market Index Fund Admiral Shares

Balanced funds (stocks and bonds)

Vanguard Wellington^™ Fund Admiral Shares
Vanguard Wellesley^® Income Fund Admiral Shares

Domestic stock funds

Vanguard Small-Cap Value Index Fund Institutional Shares
Vanguard Extended Market Index Fund Institutional Shares
Vanguard Institutional Index Fund Institutional Shares
Vanguard U.S. Growth Fund Admiral Shares
Vanguard Windsor II Fund Admiral Shares
Vanguard Windsor Fund Admiral Shares
Vanguard Explorer Fund Admiral Shares

International stock funds

Vanguard Total International Stock Index Fund Admiral Shares

Whenever you invest, there's a chance you could lose the money. Diversifying means having different types of investments. It doesn’t guarantee you’ll make a profit or that you won’t lose money.

Before you invest, get the details. Consider the fund’s objective, risks, charges, and expenses. The fund’s prospectus (or summary prospectus, if available) will tell you these important facts and more. So read it carefully. Call Vanguard at 800-523-1188 to get one. Or you can find one at vanguard.com. 

Vanguard Treasury Money Market Fund:
You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor is not required to reimburse the Fund for losses, and you should not expect that the sponsor will provide financial support to the Fund at any time, including during periods of market stress.

U.S. Treasury investments and some U.S. government agency bonds are backed by the government, so it’s highly likely that payments will be made on time. But their prices can still fall when interest rates go up. Bond funds are made up of IOUs, primarily from companies or governments. These funds risk losing value if the debt isn’t repaid on time. Also, bond prices can drop when interest rates rise or the issuer’s reputation suffers. High-yield (“junk”) bonds come from borrowers more likely to default on loans than borrowers with better credit ratings. These bonds tend to pay higher interest rates to offset their higher risk. Small-cap funds are made up of the stocks of small-sized companies. These companies have fewer financial resources than larger companies. Because of that, their stock prices can be more affected by swings in the economy. Non-U.S. stocks or bonds have risks tied to the political and economic stability of their country or region. And if the value of the foreign currency falls, the value of the stocks or bonds would also fall.

Vanguard Retirement Savings Trust is a collective trust, not a mutual fund. This type of investment is offered only in retirement plans like yours. Before you invest, get the details. Know and carefully consider the objective, risks, charges, and expenses. Vanguard Fiduciary Trust Company manages the Vanguard collective trusts.