Vanguard Target Retirement 2060 Fund
Figures last verified October 31, 2026
Glide-path fund of four Vanguard index funds, currently around 90% stocks / 10% bonds.
For a 25-year-old opening a Roth IRA, it's hard to write a better prescription than VTTSX: the entire global stock market, a token bond cushion, automatic everything, $1,000 to start, 0.08% a year. The most valuable feature isn't in the fact sheet — it's that the fund gives a beginner nothing to fiddle with during their first bear market, which is where most young investors' real damage happens.
The classic counterargument — 'a 25-year-old should be 100% stocks, why pay for a glide path that's decades away?' — is technically fair and practically irrelevant. The 10% bond allocation costs almost nothing in expected return, and the structure quietly teaches the only lesson that matters: contribute, ignore, repeat. Optimization can wait until the balance has a comma in it.
Twentysomethings starting their first IRA or 401(k).
VTTSX alternatives & comparable funds
If you’re weighing VTTSX against the field, these are the funds most investors line it up against — same job, different provider, slightly different terms.
| Fund | Family | Expense Ratio | Minimum |
|---|---|---|---|
| VTTSX — Vanguard Target Retirement 2060 Fund | Vanguard | 0.08% | $1,000 |
| VLXVX — Vanguard Target Retirement 2065 Fund | Vanguard | 0.08% | $1,000 |
| FDKLX — Fidelity Freedom Index 2060 Fund | Fidelity | 0.12% | $0 |
| SWYNX — Schwab Target 2060 Index Fund | Schwab | 0.08% | $1 |
Frequently asked questions
What is the expense ratio of VTTSX?
VTTSX (Vanguard Target Retirement 2060 Fund) has an expense ratio of 0.08%, which works out to roughly $8 per year for every $10,000 invested. That is very low by industry standards, where the average fund still charges well over 0.40%.
What is the minimum investment for VTTSX?
VTTSX requires a minimum initial investment of $1,000.
What does VTTSX invest in?
Glide-path fund of four Vanguard index funds, currently around 90% stocks / 10% bonds. It falls in the target-date category and is a target-date fund.
What are good alternatives to VTTSX?
The funds most often compared with VTTSX are VLXVX, FDKLX, SWYNX — broadly similar exposure from different providers, with small differences in fee, minimum, and portability that usually come down to which brokerage holds your account.
Expense ratio and minimum for VTTSX drawn from Vanguard fund documentation; last verified October 31, 2026. Figures change — confirm against the official prospectus before investing. This review is editorial opinion, not investment advice.