Vanguard Target Retirement 2035 Fund (VTTHX)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Vanguard Target Retirement 2035 Fund (VTTHX) trades at $29.56 with AI Score 46/100 (Grade C). Vanguard Target Retirement 2035 Fund offers a diversified, all-in-one investment solution designed for individuals planning to retire around 2035. Market cap: $130.04B, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for VTTHX: VTTHX does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates VTTHX against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
VTTHX: the 1 perspectives are evenly split.
How is this calculated? →Vanguard Target Retirement 2035 Fund (VTTHX) Financial Services Profile
Vanguard Target Retirement 2035 Fund is a target-date fund providing a diversified portfolio that automatically adjusts its asset allocation, reducing equity exposure and increasing bond exposure as the 2035 retirement date nears, suitable for investors seeking a simplified, long-term investment strategy within the asset management sector.
What Is the Investment Thesis for VTTHX?
Vanguard Target Retirement 2035 Fund presents a compelling option for investors seeking a simplified, diversified approach to retirement savings. With a market cap of $130.04B, the fund offers substantial scale and liquidity. The fund's automatic asset allocation adjustments, shifting from higher-risk equities to lower-risk bonds as the 2035 target date approaches, provide a built-in risk management strategy. The fund's value drivers include its low expense ratio, broad diversification, and automatic rebalancing. Growth catalysts include the increasing demand for target-date funds as a retirement savings solution and Vanguard's strong brand reputation. Potential risks include market volatility, interest rate risk, and the possibility that the fund's asset allocation may not perfectly align with an individual investor's risk tolerance. The fund's beta of 1.01 indicates that it generally moves in line with the overall market.
Based on FMP financials and quantitative analysis
VTTHX Key Highlights
- Market Cap: $126.03B, indicating substantial scale and liquidity.
- Beta: 1.01, suggesting the fund's volatility is similar to the overall market.
- Diversified Portfolio: Offers exposure to a broad range of asset classes through underlying Vanguard index funds.
- Automatic Asset Allocation: Adjusts the asset mix over time, reducing equity exposure and increasing bond exposure as the target date approaches.
- Low-Cost: Aligns with Vanguard's philosophy of providing low-cost investment options.
Who Are VTTHX's Competitors?
VTTHX is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| VB Vanguard Small-Cap ETF | $301.94 | +0.53% | $183.55B | 47 |
| VFFVX Vanguard Target Retirement 2055 Fund | $73.12 | +0.07% | $76.70B | 47 |
| VFIFX Vanguard Target Retirement 2050 Fund | $65.46 | +0.06% | $108.64B | 47 |
| VFORX Vanguard Target Retirement 2040 Fund | $54.35 | +0.06% | $120.30B | 44 |
| VTHRX Vanguard Target Retirement 2030 Fund | $45.33 | +0.02% | $115.37B | 46 |
| NXDT NexPoint Diversified Real Estate Trust | $5.53 | +3.08% | $285.77M | 73 |
| GENB Generate Biomedicines, Inc. | $17.03 | -2.18% | $2.18B | 72 |
| SII Sprott Inc. | $118.11 | +2.72% | $3.05B | 71 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are VTTHX's Key Strengths?
- Low expense ratio
- Broad diversification
- Automatic asset allocation adjustments
- Strong brand reputation
What Are VTTHX's Weaknesses?
- May not perfectly align with individual investor's risk tolerance
- Susceptible to market volatility
- Limited control over asset allocation
What Could Drive VTTHX Stock Higher?
- Continued growth in assets under management due to increasing adoption of target-date funds.
- Favorable demographic trends driving demand for retirement savings solutions.
- Potential for new partnerships with retirement plan providers to expand reach.
What Are the Key Risks for VTTHX?
- Market volatility could negatively impact fund performance.
- Interest rate risk could affect bond values within the portfolio.
- Competition from other target-date funds and investment options.
- Changes in regulations could impact the fund's operations and performance.
What Are the Growth Opportunities for VTTHX?
- Increased Adoption of Target-Date Funds: The increasing popularity of target-date funds as a retirement savings solution presents a significant growth opportunity. As more individuals seek simplified, hands-off investment options, the demand for funds like Vanguard Target Retirement 2035 Fund is expected to rise. This trend is driven by the growing awareness of the importance of retirement planning and the desire for professionally managed investment solutions. The market for target-date funds is estimated to continue growing in the coming years, providing a favorable environment for Vanguard.
- Expansion of Retirement Savings Plans: The expansion of employer-sponsored retirement savings plans, such as 401(k)s, and individual retirement accounts (IRAs), creates a larger pool of potential investors for Vanguard Target Retirement 2035 Fund. As more individuals participate in these plans, the demand for target-date funds as a default investment option is likely to increase. Vanguard's strong relationships with employers and retirement plan providers position it well to capture this growth opportunity. The timeline for this growth is ongoing, as retirement savings plans continue to evolve and expand.
- Growing Awareness of Low-Cost Investing: The increasing awareness of the benefits of low-cost investing is driving demand for Vanguard's products, including the Target Retirement 2035 Fund. As investors become more conscious of the impact of fees on long-term returns, they are increasingly seeking out low-cost investment options. Vanguard's reputation for providing low-cost, high-quality investment products gives it a competitive advantage in this environment. This trend is expected to continue as investors become more educated about the importance of minimizing investment expenses.
- Demographic Trends: Favorable demographic trends, such as the aging population and the increasing number of individuals approaching retirement, are driving demand for retirement savings solutions like Vanguard Target Retirement 2035 Fund. As more individuals enter the pre-retirement phase of their lives, they are increasingly focused on preserving capital and generating income. Target-date funds offer a convenient way to address these needs by automatically adjusting the asset allocation to become more conservative over time. This demographic trend is expected to continue for the next several decades, providing a long-term growth opportunity for Vanguard.
- Technological Advancements: Technological advancements, such as the development of online investment platforms and robo-advisors, are making it easier for individuals to access and manage their retirement savings. Vanguard has embraced these technologies by offering its own online investment platform and partnering with robo-advisors. This allows Vanguard to reach a wider audience of potential investors and provide them with convenient access to its Target Retirement Funds. The integration of technology into the retirement savings process is expected to continue, creating new opportunities for Vanguard to grow its business.
What Opportunities Does VTTHX Have?
- Increasing adoption of target-date funds
- Expansion of retirement savings plans
- Growing awareness of low-cost investing
- Favorable demographic trends
What Threats Does VTTHX Face?
- Market volatility
- Interest rate risk
- Competition from other target-date funds
- Changes in regulations
What Are VTTHX's Competitive Advantages?
- Low-Cost Leadership: Vanguard's commitment to low-cost investing provides a significant competitive advantage.
- Strong Brand Reputation: Vanguard has a strong reputation for providing high-quality, low-cost investment products.
- Scale and Diversification: The fund's large asset base and broad diversification provide stability and reduce risk.
What Does VTTHX Do?
Vanguard Target Retirement 2035 Fund is part of Vanguard's suite of target-date funds, designed to simplify retirement planning for investors. These funds offer a diversified portfolio within a single investment vehicle, automatically adjusting the asset mix over time. The fund's strategy involves gradually decreasing exposure to stocks and increasing exposure to bonds as the target retirement date of 2035 approaches. This glide path is intended to reduce risk as investors get closer to retirement. Vanguard, founded in 1975 by John C. Bogle, revolutionized the investment industry by introducing low-cost, passively managed index funds. This philosophy extends to the Target Retirement Funds, which aim to provide broad diversification at a low cost. The funds continue to adjust their asset allocation for approximately seven years after the target date, eventually matching the allocation of the Target Retirement Income Fund, providing a smooth transition into retirement income generation. The Vanguard Target Retirement 2035 Fund is designed for investors who anticipate retiring between 2033 and 2037. It offers a convenient, hands-off approach to retirement saving, eliminating the need for investors to actively manage their asset allocation. The fund invests in a mix of Vanguard's underlying index funds, providing exposure to a wide range of asset classes, including U.S. stocks, international stocks, and bonds. The fund is managed by experienced investment professionals who continuously monitor and adjust the asset allocation based on Vanguard's long-term investment outlook.
What Products and Services Does VTTHX Offer?
- Provide a diversified portfolio within a single fund.
- Offer a target-date investment solution for individuals planning to retire around 2035.
- Automatically adjust the asset allocation over time, shifting from stocks to bonds as the target date approaches.
- Invest in a mix of Vanguard's underlying index funds.
- Provide exposure to a wide range of asset classes, including U.S. stocks, international stocks, and bonds.
- Offer a convenient, hands-off approach to retirement saving.
- Continuously monitor and adjust the asset allocation based on Vanguard's long-term investment outlook.
How Does VTTHX Make Money?
- Offer a target-date fund that simplifies retirement planning for investors.
- Generate revenue through management fees charged on the assets under management.
- Provide a diversified portfolio at a low cost, aligning with Vanguard's philosophy.
What Industry Does VTTHX Operate In?
The asset management industry is characterized by increasing competition, evolving regulatory landscapes, and growing demand for passive investment strategies. Target-date funds, like Vanguard Target Retirement 2035 Fund, have gained popularity as a convenient retirement savings solution. These funds compete with other target-date funds, as well as traditional actively managed retirement accounts. The industry is also influenced by macroeconomic factors, such as interest rates, inflation, and economic growth. Vanguard's low-cost approach and strong brand reputation position it well within this competitive landscape.
Who Are VTTHX's Key Customers?
- Individuals planning to retire between 2033 and 2037.
- Investors seeking a simplified, hands-off approach to retirement saving.
- Individuals who want a diversified portfolio without actively managing their asset allocation.
How Vanguard Target Retirement 2035 Fund Is Valued
Relative to its peer group, VTTHX's quantitative score of 46/100 is roughly in line with the peer average of 46/100.
VTTHX Financials
Bull Case vs Bear Case
Bull Case
- Recent insider activity indicates strong confidence in the fund's management, suggesting a positive outlook for long-term returns.
- Community sentiment has shifted positively as investors recognize the growing importance of target-date funds in retirement planning.
- The fund's diversified portfolio aligns well with current market trends, appealing to a broad range of investors seeking stability.
- Recent discussions highlight the fund's strong historical performance, reinforcing trust among investors looking for reliable retirement options.
Bear Case
- Concerns are rising about potential market volatility impacting the fund's performance, leading to cautious sentiment among some investors.
- Some community members express skepticism about the fund's fees, which could deter cost-sensitive investors from participating.
- Recent shifts in economic indicators have led to uncertainty, making some investors hesitant to commit to long-term funds like VTTHX.
- A portion of the community is focused on actively managed funds, viewing them as more responsive to market changes compared to passive options like VTTHX.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
VTTHX Latest News
No recent news available for VTTHX.
VTTHX Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for VTTHX.
Price Targets
Wall Street price target analysis for VTTHX.
VTTHX MoonshotScore
What does this score mean?
The MoonshotScore rates VTTHX's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
VTTHX Financial Services Stock FAQ
What does Vanguard Target Retirement 2035 Fund do?
Vanguard Target Retirement 2035 Fund is a target-date fund designed to simplify retirement planning. It provides a diversified portfolio that automatically adjusts its asset allocation over time, shifting from a higher allocation to stocks in earlier years to a higher allocation to bonds as the 2035 retirement date approaches. This strategy aims to balance growth potential with risk management, making it a convenient option for investors seeking a hands-off approach to retirement savings. The fund invests in a mix of Vanguard's underlying index funds, providing exposure to a wide range of asset classes.
What do analysts say about VTTHX stock?
As a mutual fund, VTTHX is not a stock and therefore is not subject to traditional stock analyst ratings. However, analysts generally view target-date funds like VTTHX as a convenient and diversified option for retirement savings. Key valuation metrics to consider include the fund's expense ratio, asset allocation, and historical performance. Growth considerations include the increasing demand for target-date funds and Vanguard's strong brand reputation. Investors may want to evaluate their individual risk tolerance and investment goals when evaluating VTTHX.
What are the main risks for VTTHX?
The main risks for VTTHX include market volatility, which can negatively impact the fund's performance, and interest rate risk, which can affect the value of the bonds held in the portfolio. Additionally, there is the risk that the fund's asset allocation may not perfectly align with an individual investor's risk tolerance or retirement goals. Competition from other target-date funds and investment options also poses a risk. Investors should carefully consider these risks before investing in VTTHX.
How does Vanguard Target Retirement 2035 Fund adapt to changing market conditions?
Vanguard Target Retirement 2035 Fund adapts to changing market conditions through its automatic asset allocation adjustments. As the target retirement date approaches, the fund gradually shifts its asset allocation from higher-risk equities to lower-risk bonds. This glide path is designed to reduce risk as investors get closer to retirement. The fund's managers also continuously monitor market conditions and make adjustments to the underlying investments as needed to maintain the fund's overall investment strategy. This proactive approach helps the fund navigate changing market environments and achieve its long-term investment goals.
What are the tax implications of investing in Vanguard Target Retirement 2035 Fund?
Investing in Vanguard Target Retirement 2035 Fund can have tax implications, particularly if held in a taxable account. The fund may generate taxable income through dividends, interest, and capital gains distributions. The tax treatment of these distributions will depend on the investor's individual tax situation. It is generally more tax-efficient to hold target-date funds in tax-advantaged accounts, such as 401(k)s or IRAs, to defer or avoid taxes on investment gains. Investors should consult with a tax advisor to understand the specific tax implications of investing in Vanguard Target Retirement 2035 Fund.
What are the key factors to evaluate for VTTHX?
Vanguard Target Retirement 2035 Fund (VTTHX) holds an AI score of 46/100 (low). Not financial advice.
How frequently does VTTHX data refresh on this page?
VTTHX prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven VTTHX's recent stock price performance?
Vanguard Target Retirement 2035 Fund (VTTHX) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Low expense ratio. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis is pending, which may provide additional insights.
- The information provided is based on available data and is subject to change.