The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in a mix of 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 2030 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase.
| Ticker | VTHRX |
| Inception Date | 2006-06-07 |
| Gross Expense Ratiof1 (%) | 0.08 |
| Net Expense Ratiof1 (%) | 0.08 |
| Fund Total Net Assets ($M) | 98,260.73 |
| Management Company | Vanguard Group Inc |
| Portfolio Managers | Michael R. Roach Walter Nejman Aurélie Denis Roger Aliaga-Diaz |
| Management Company Contact | 800-662-7447 |
| Blackout Holding Period (Days) | 30 |
| Blackout Minimum Amount ($) | 0.00 |
% of Assets
| Vanguard Total Stock Mkt Idx Instl Pls | 36.69 |
| Vanguard Total Bond Market II Idx Inv | 27.50 |
| Vanguard Total Intl Stock Index Inv | 23.55 |
| Vanguard Total Intl Bd II Idx Insl | 11.70 |
| YTD | 1 Year | 3 Year | 5 Year | 10 Year | Since |
|
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 Fund | 0.21 | 6.03 | 4.51 | 9.94 | 6.70 | -- |
| Morningstar Lifetime Moderatei89 | 0.65 | 5.71 | 2.71 | 8.65 | 6.08 | -- |
| Target-Date 2030b43 | 0.67 | 5.49 | 3.90 | 9.54 | 6.29 | -- |
| Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto myplan.johnhancock.com or call a John Hancock representative at (800) 294-3575. | ||||||
The glide path is the asset allocation within a Target Date Strategy that adjusts over time as the participant's age increases and their time horizon to retirement shortens. The basis of the glide path is to reduce the portfolio risk as the participant's time horizon decreases. The asset mix of each Portfolio is based on a target date. This is the expected year in which participants in a Portfolio plan to retire and no longer make contributions. A team of asset allocation professionals adjusts each Portfolio's make-up over time to ensure a noticeable and steady shift from equities to fixed income in the years leading to retirement. In developing the glide path, it was assumed that participants would make ongoing contributions during the years leading up to retirement, and stop making those contributions when the target date is reached. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date.
| Long % | Short % | Net % |
|---|
Target-date portfolios provide diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years 2026-2030) for retirement. These portfolios aim to provide investors with an optimal level of return and risk, based solely on the target date. Management adjusts the allocation among asset classes to more-conservative mixes as the target date approaches, following a preset glide path. A target-date portfolio is part of a series of funds offering multiple retirement dates to investors.
Out of 188 funds
Out of 188 funds
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Out of 105 funds
m1. For each fund with at least a three-year history, Morningstar calculates a Morningstar RatingTM based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund's monthly performance(not including the effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. Exchange traded funds and open-ended mutual funds are considered a single population for comparative purposes. The top 10% of funds in each category receive five stars, then next 22.5% receive four stars, the middle 35% receive three stars, the next 22.5% receive two stars, and the bottom 10% receive one star. The Overall Morningstar RatingTM for a fund is derived from a weighted average of the performance figures associated with its three-, five- and 10-year (if applicable) Morningstar RatingTM metrics. The rating formula most heavily weights the three year rating, using the following calculation: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. Past performance does not guarantee future results.
| Turnover Ratio (%) (annualized) | 7 |
| Sharpe Ratiob54 (3y) | 0.06 |
| Best 2-month Period | Apr. 20 - Jun. 20 | 14.58 |
| Worst 2-month Period | Jan. 20 - Mar. 20 | -14.76 |
This investment has shown a relatively moderate range of price fluctuations in the past. For this reason, it currently lands in the middle third of all investments with records of at least three years. However, this investment may experience larger or smaller price declines or price increases depending on market conditions. To offset some of the investment's risk, investors may wish to own investments with different portfolio makeups or investment strategies.
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