VFFVX — Vanguard Target Retirement 2055 Fund, Investor Shares
Data updated: 2026-08-28
VFFVX — Vanguard Target Retirement 2055 Fund, Investor Shares. 0.08% expense ratio · no sales load · since 2010. Holdings, fees, performance and SEC filings.
VFFVX Fund Overview
VFFVX — Vanguard Target Retirement 2055 Fund, Investor Shares is a US mutual fund managed by Vanguard Chester Funds, categorised as Target Date / Glide Path Allocation. ABC INVEST provides holdings, performance, costs, cashflows, risk data, prospectus documents and SEC filings, sourced from SEC filings.
- Type: US mutual fund
- Manager: Vanguard Chester Funds
- Category: Target Date / Glide Path Allocation
- Assets under management: $76.40B
- 1-year return: 22.8%
- Ticker: VFFVX
- SEC CIK: 0000752177
- SEC series ID: S000029700
- Share class ID: C000091317
VFFVX Investment Objective and Strategy
Vanguard Target Retirement 2055 Fund describes its objective and strategy as follows, from its latest prospectus filed with the SEC by Vanguard Chester Funds.
Investment objective
The Fund seeks to provide capital appreciation and current income consistent with its current asset allocation.
Principal investment strategy
The Fund invests in other 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 2055 (the target year). The Fund is designed for an investor who plans to withdraw the value of an account in the Fund over a period of many years after the target year. The Funds 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. Within seven years after 2055, the Funds asset allocation should become similar to that of the Target Retirement Income Fund. As of September 30, 2017, the Funds asset allocation among the underlying funds was as follows: ?
Vanguard Total Stock Market Index Fund 54.1% ? Vanguard Total International Stock Index Fund 35.9% ? Vanguard Total Bond Market II Index Fund 7.1% ? Vanguard Total International Bond Index Fund 2.9% At any given time, the Funds asset allocation may be affected by a variety of factors, such as whether the underlying funds are accepting additional investments. The Funds indirect stock holdings are a diversified mix of U.S. and foreign large-, mid-, and small-capitalization stocks. The Funds indirect bond holdings are a diversified mix of short-, intermediate-, and long-term U.S. government, U.S. agency, and investment-grade U.S. corporate bonds; mortgage-backed and asset-backed securities; and government, agency, corporate, and securitized investment-grade foreign bonds issued in currencies other than the U.S.
dollar (but hedged by Vanguard to minimize foreign currency exposure).
VFFVX Holdings
Top 5 holdings of Vanguard Target Retirement 2055 Fund by percentage of net assets, from the fund's latest SEC N-PORT filing.
| Holding | % of net assets |
|---|---|
| Vanguard Total Stock Market Index Fund | 54.04% |
| Vanguard Total International Stock Index Fund | 36.70% |
| Vanguard Total Bond Market II Index Fund | 6.09% |
| Vanguard Total International Bond II Index Fund | 2.62% |
| Vanguard Cmt Funds-Vanguard Market Liquidity Fund | 0.50% |
VFFVX Portfolio Allocation
Asset-class allocation of Vanguard Target Retirement 2055 Fund by percentage of net assets, from the latest SEC N-PORT filing.
| Asset class | Allocation |
|---|---|
| Equity | 99.5% |
| Cash & Equivalents | 0.5% |
VFFVX Performance
Total returns for VFFVX (as of 2026-10-01), from SEC filings.
| Period | Total return |
|---|---|
| YTD | 11.20% |
| 1 year | 22.84% |
| 3 years (annualised) | 18.30% |
| 5 years (annualised) | 9.91% |
VFFVX Risk Information
Risk metrics for VFFVX, derived from monthly returns in SEC filings.
- 1-year volatility (annualised): 11.71%
VFFVX Costs and Fees
VFFVX costs about $8 per $10,000 invested per year in fund expenses.
- Net expense ratio: 0.08%
- Gross expense ratio: 0.08%
- Portfolio turnover: 2%
- Brokerage commissions: 0.00 bps of average net assets (SEC N-CEN)
VFFVX Cashflows
Over the 12 months to 2026-06, Vanguard Target Retirement 2055 Fund had net inflows of $4.64B, from monthly SEC N-PORT filings.
| Month | Net flow |
|---|---|
| 2026-06 | −$73.74M |
| 2026-05 | $155.42M |
| 2026-04 | $393.98M |
| 2026-03 | $560.25M |
| 2026-02 | $436.23M |
| 2026-01 | $402.69M |
VFFVX Debt Constituents
No individual debt constituents are reported in Vanguard Target Retirement 2055 Fund's latest SEC N-PORT filing.
VFFVX Prospectus and SEC Filings
Official Vanguard Target Retirement 2055 Fund filings on SEC EDGAR — prospectus, portfolio holdings and annual reports.
- Prospectus (485BPOS) — filed 2026-01-28
- Prospectus (485BPOS) — filed 2025-01-31
- Prospectus (485BPOS) — filed 2024-01-31
- Portfolio holdings (N-PORT) — filed 2026-08-28
- Portfolio holdings (N-PORT) — filed 2026-05-28
- Portfolio holdings (N-PORT) — filed 2026-02-26
- Annual census (N-CEN) — filed 2025-12-10
- Annual census (N-CEN) — filed 2024-12-12
Related Funds
Other Target Date / Glide Path Allocation funds tracked on ABC INVEST:
Data Sources
ABC INVEST compiles this page from public filings made to the U.S. Securities and Exchange Commission (SEC) through EDGAR: portfolio holdings and monthly cashflows from Form N-PORT, expenses and returns from fund prospectuses (Form 485BPOS) and the SEC DERA Risk/Return Summary data sets, annual data from Form N-CEN, and shareholder reports from Form N-CSR.