VTINX Performance — Vanguard Target Retirement Income Fund, Investor Shares
Data updated: 2026-08-28
VTINX returned +4.47% year to date and +9.72% over one year to Jun 2026. Annualised returns are +9.11% over 3 years and +4.06% over 5 years. The fund trailed its Target-Date category average: $100 invested three years ago grew to $130, against $150 for the category, and to $110 over one year, against $118. Volatility over the past three years was 5.98% a year. In the 12 months to Jun 2026 the fund lost a net $958.3M, and assets reached $36.04B.
VTINX Growth of $100
What $100 invested in Vanguard Target Retirement Income Fund grew to, compounded from monthly returns reported on SEC Form N-PORT, against the Target-Date category average over the same months.
| Period | VTINX | Category average |
|---|---|---|
| 1 year (Jul 2025 – Jun 2026) | $110 | $118 |
| 3 years (Jul 2023 – Jun 2026) | $130 | $150 |
| 5 years (Jul 2021 – Jun 2026) | $122 | $143 |
| Since data start (Jul 2019 – Jun 2026) | $144 | $187 |
VTINX Trailing Returns
Total returns to Jun 2026, from SEC N-PORT.
| Period | Total return |
|---|---|
| YTD | +4.47% |
| 1 year | +9.72% |
| 3 years (annualised) | +9.11% |
| 5 years (annualised) | +4.06% |
VTINX Annual Returns
Calendar-year total returns of Vanguard Target Retirement Income Fund, compounded from monthly SEC N-PORT returns. Partial years show the months covered.
| Year | Total return |
|---|---|
| 2026 (Jan–Jun) | +4.47% |
| 2025 | +11.31% |
| 2024 | +6.58% |
| 2023 | +10.74% |
| 2022 | −12.74% |
| 2021 | +5.25% |
| 2020 | +10.02% |
| 2019 (Jul–Dec) | +4.17% |
VTINX Monthly Returns
Monthly total returns as reported on SEC Form N-PORT.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.2% | +1.4% | −3.0% | +3.1% | +1.8% | 0.0% | — | — | — | — | — | — |
| 2025 | +1.3% | +1.0% | −0.9% | +0.9% | +1.4% | +2.2% | +0.2% | +1.6% | +1.6% | +1.1% | +0.3% | +0.2% |
| 2024 | −0.2% | +0.7% | +1.5% | −2.2% | +2.2% | +1.0% | +2.0% | +1.4% | +1.6% | −1.8% | +1.8% | −1.6% |
| 2023 | +3.9% | −2.1% | +2.5% | +0.7% | −0.9% | +1.5% | +1.2% | −1.2% | −2.4% | −1.4% | +5.1% | +3.7% |
| 2022 | −2.6% | −1.3% | −1.0% | −4.2% | +0.3% | −3.6% | +3.9% | −3.0% | −5.3% | +1.6% | +4.3% | −2.1% |
| 2021 | −0.3% | 0.0% | +0.4% | +1.7% | +0.7% | +0.8% | +1.0% | +0.6% | −1.7% | +1.5% | −0.5% | +1.0% |
| 2020 | +0.8% | −1.5% | −5.2% | +4.3% | +1.9% | +1.4% | +2.4% | +1.4% | −0.7% | −0.8% | +4.2% | +1.7% |
| 2019 | — | — | — | — | — | — | +0.4% | +0.8% | +0.4% | +0.8% | +0.8% | +1.0% |
VTINX Risk
Risk measures from monthly returns over Jul 2023 – Jun 2026.
- 3-year volatility (annualised): 5.98%
- 3-year Sharpe ratio: 0.77 (vs 4.5% risk-free rate)
- Best month: +5.06% (Nov 2023)
- Worst month: −3.04% (Mar 2026)
VTINX Fund Flows
Monthly money in and out of Vanguard Target Retirement Income Fund, from SEC Form N-PORT.
- 12-month net flow: −$958.3M
- 12-month gross sales (incl. reinvestments): $6.0B
- Sales ÷ redemptions: 0.86×
| Month | Sales | Redemptions | Net flow |
|---|---|---|---|
| Jun 2026 | $462.7M | $525.4M | −$62.7M |
| May 2026 | $222.8M | $638.4M | −$415.6M |
| Apr 2026 | $554.2M | $870.6M | −$316.4M |
| Mar 2026 | $433.8M | $523.2M | −$89.4M |
| Feb 2026 | $271.0M | $454.6M | −$183.6M |
| Jan 2026 | $445.2M | $646.3M | −$201.1M |
| Dec 2025 | $1.5B | $681.5M | $851.8M |
| Nov 2025 | $310.6M | $479.3M | −$168.7M |
| Oct 2025 | $324.9M | $526.3M | −$201.4M |
| Sep 2025 | $585.1M | $646.9M | −$61.8M |
| Aug 2025 | $310.7M | $455.9M | −$145.2M |
| Jul 2025 | $518.8M | $483.1M | $35.7M |
VTINX Assets Under Management
Net assets of Vanguard Target Retirement Income Fund by report date, from SEC N-PORT filings.
| Report date | Net assets |
|---|---|
| 2026-06-30 | $36.04B |
| 2026-03-31 | $35.32B |
| 2025-12-31 | $36.13B |
| 2025-09-30 | $36.24B |
| 2025-06-30 | $35.46B |
| 2025-03-31 | $34.74B |
| 2024-12-31 | $35.00B |
| 2024-09-30 | $36.56B |
| 2024-06-30 | $35.39B |
| 2024-03-31 | $36.27B |
| 2023-12-31 | $36.56B |
| 2023-09-30 | $35.28B |
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.