VFIFX — Vanguard Target Retirement 2050 Fund, Investor Shares
Data updated: 2026-08-28
VFIFX — Vanguard Target Retirement 2050 Fund, Investor Shares. 0.08% expense ratio · no sales load · since 2006. Holdings, fees, performance and SEC filings.
VFIFX Fund Overview
VFIFX — Vanguard Target Retirement 2050 Fund, Investor Shares is a US mutual fund managed by The Vanguard Group, Inc., categorised as Target-Date. ABC INVEST provides holdings, performance, costs, cashflows, risk data, prospectus documents and SEC filings, sourced from SEC filings.
- Type: US mutual fund
- Adviser: The Vanguard Group, Inc.
- Trust: Vanguard Chester Funds
- Category: Target-Date
- Minimum investment: $1,000
- Additional investment: $1
- Inception date: June 7, 2006
- Assets under management: $108.11B
- 1-year return: 22.7%
- Ticker: VFIFX
- SEC CIK: 0000752177
- SEC series ID: S000012762
- Share class ID: C000034441
- FIGI: BBG000LH43T6
- LEI: DOYXJE71NP7J4HHYUX53
About VFIFX
Vanguard Target Retirement 2050 Fund (VFIFX) seeks capital appreciation and current income consistent with its current asset allocation. It invests in other Vanguard mutual funds, shifting from stocks toward bonds and fixed income over time, for investors planning to retire within a few years of 2050. Its underlying holdings include a diversified mix of U.S. and foreign stocks and investment-grade bonds. Its Investor Shares, launched June 7, 2006, cost 0.08% a year and returned 22.7% in the 12 months to June 30, 2026, based on monthly returns reported to the SEC on Form N-PORT, with 11.6% volatility.
VFIFX Holdings
Top 5 holdings of Vanguard Target Retirement 2050 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 | 53.69% |
| Vanguard Total International Stock Index Fund | 36.34% |
| Vanguard Total Bond Market II Index Fund | 6.62% |
| Vanguard Total International Bond II Index Fund | 2.79% |
| Vanguard Cmt Funds-Vanguard Market Liquidity Fund | 0.51% |
VFIFX Portfolio Allocation
Asset-class allocation of Vanguard Target Retirement 2050 Fund by percentage of net assets, from the latest SEC N-PORT filing.
| Asset class | Allocation |
|---|---|
| Equity | 99.4% |
| Cash & Equivalents | 0.5% |
VFIFX Performance
Total returns for VFIFX through June 2026, from SEC filings.
| Period | Total return |
|---|---|
| YTD | 11.10% |
| 1 year | 22.70% |
| 3 years (annualised) | 18.26% |
| 5 years (annualised) | 9.89% |
VFIFX Risk Information
Risk metrics for VFIFX, derived from monthly returns in SEC filings.
- 1-year volatility (annualised): 11.61%
VFIFX Costs and Fees
VFIFX 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)
VFIFX Cashflows
Over the 12 months to 2026-06, Vanguard Target Retirement 2050 Fund had net inflows of $4.36B, from monthly SEC N-PORT filings.
| Month | Net flow |
|---|---|
| 2026-06 | −$243.65M |
| 2026-05 | −$25.16M |
| 2026-04 | $375.10M |
| 2026-03 | $480.15M |
| 2026-02 | $298.45M |
| 2026-01 | $430.78M |
VFIFX Debt Constituents
No individual debt constituents are reported in Vanguard Target Retirement 2050 Fund's latest SEC N-PORT filing.
VFIFX Prospectus and SEC Filings
Official Vanguard Target Retirement 2050 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
VFIFX Service Providers
Firms that manage, distribute, hold, administer and audit Vanguard Target Retirement 2050 Fund, as reported on SEC Form N-CEN, fiscal year ending September 30, 2025.
- Adviser: The Vanguard Group, Inc.
- Distributor: Vanguard Marketing Corp.
- Custodian: JPMorgan Chase Bank NA
- Transfer agent: The Vanguard Group, Inc.
- Administrator: The Vanguard Group, Inc.
- Auditor: Pricewaterhousecoopers Llp
Related Funds
Other Target-Date funds tracked on ABC INVEST:
VFIFX: Frequently Asked Questions
What is the expense ratio of Vanguard Target Retirement 2050 Fund (VFIFX)?
VFIFX has a net expense ratio of 0.08%, about $8 a year for every $10,000 invested. VFIFX fees and costs
Does VFIFX charge a sales load?
No. This share class (VFIFX) charges no sales load.
What is the minimum investment for VFIFX?
The minimum initial investment in VFIFX is $1,000, and additional purchases must be at least $1. Source: the fund's summary prospectus (January 2026).
What are VFIFX's top holdings?
As of June 30, 2026, VFIFX held 7 positions. The largest are Vanguard Total Stock Market Index Fund (53.69%), Vanguard Total International Stock Index Fund (36.34%), Vanguard Total Bond Market II Index Fund (6.62%), Vanguard Total International Bond II Index Fund (2.79%) and Vanguard Cmt Funds-Vanguard Market Liquidity Fund (0.51%). All VFIFX holdings
How has Vanguard Target Retirement 2050 Fund performed?
VFIFX returned +22.7% over the 12 months to June 2026, +18.3% a year over 3 years and +9.9% a year over 5 years. VFIFX performance and risk
How large is VFIFX?
VFIFX manages $108.11B (SEC N-PORT, June 2026). Investors added a net $4.36B over the past 12 months.
Who manages VFIFX and when did it launch?
VFIFX is managed by The Vanguard Group, Inc.. It is a series of Vanguard Chester Funds. It launched on June 7, 2006.
How does VFIFX compare with similar Target-Date funds?
Among 324 Target-Date funds with $100M+ in assets, VFIFX ranks #14 of 324 on net expense ratio (0.08%) and #5 of 324 by assets. The largest is Vanguard Target Retirement 2035 Fund (VTTHX). Compare VFIFX with VTTHX
Where can I find VFIFX's prospectus and SEC filings?
VFIFX's latest prospectus (485BPOS) was filed January 28, 2026 and its latest N-PORT holdings report was filed August 28, 2026. All 55 filings are linked on ABC INVEST and on SEC EDGAR (series S000012762). VFIFX SEC filings
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, and annual data from Form N-CEN.
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.