Vanguard Target Retirement 2055 Fund
Figures last verified October 31, 2026
Glide-path fund of four Vanguard index funds, currently around 90% stocks / 10% bonds.
At thirty-plus years from its date, the 2055 fund is functionally identical to the 2050 and 2060 funds — about 90% global stocks — and will stay that way for another decade before the glide path starts bending. You're not really choosing an allocation when you pick among the far-dated funds; you're choosing when the de-risking begins.
That makes the common advice simple: pick the date closest to when you'll actually retire, ignore small differences, and resist the urge to 'improve' it with side bets. A target-date fund plus a couple of sector funds plus some individual stocks isn't a plan; it's a target-date fund with leaks. The whole point of VFFVX is that it's finished.
Savers in their early 30s with three decades of runway.
VFFVX alternatives & comparable funds
If you’re weighing VFFVX 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 |
|---|---|---|---|
| VFFVX — Vanguard Target Retirement 2055 Fund | Vanguard | 0.08% | $1,000 |
| VFIFX — Vanguard Target Retirement 2050 Fund | Vanguard | 0.08% | $1,000 |
| VTTSX — Vanguard Target Retirement 2060 Fund | Vanguard | 0.08% | $1,000 |
| FDKLX — Fidelity Freedom Index 2060 Fund | Fidelity | 0.12% | $0 |
Frequently asked questions
What is the expense ratio of VFFVX?
VFFVX (Vanguard Target Retirement 2055 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 VFFVX?
VFFVX requires a minimum initial investment of $1,000.
What does VFFVX 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 VFFVX?
The funds most often compared with VFFVX are VFIFX, VTTSX, FDKLX — 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 VFFVX 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.