Tools
Target Date Comparison Calculator
Analyze and compare multiple glide paths with IFA's Target Date Comparison Calculator all while simulating a retirement participant's plan.
Comparing Equity Allocations
| Name | Underlying Fund | Ticker | Expense Ratio | Allocation | Chart |
|---|---|---|---|---|---|
| IFA Optimized Target Date 2070 | Dimensional 2070 Target Dt Rtr Inc Instl | DFARX | 0.24% |
| |
| IFA Optimized Target Date 2065 | Schwab Target 2065 Index | SWYOX | 0.08% |
| |
| IFA Optimized Target Date 2060 | Schwab Target 2060 Index | SWYNX | 0.08% |
| |
| IFA Optimized Target Date 2055 | Schwab Target 2055 Index | SWYJX | 0.08% |
| |
| IFA Optimized Target Date 2050 | Fidelity Freedom® Index 2050 Instl Prem | FFOPX | 0.08% |
| |
| IFA Optimized Target Date 2045 | Fidelity Freedom® Index 2045 Instl Prem | FFOLX | 0.08% |
| |
| IFA Optimized Target Date 2040 | Fidelity Freedom® Index 2040 Instl Prem | FFIZX | 0.08% |
| |
| IFA Optimized Target Date 2035 | Schwab Target 2035 Index | SWYFX | 0.08% |
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| IFA Optimized Target Date 2030 | Vanguard Target Retirement 2030 Fund | VTHRX | 0.08% |
| |
| IFA Optimized Target Date 2025 | Fidelity Freedom® Index 2025 Instl Prem | FFEDX | 0.08% |
| |
| IFA Optimized Target Date 2020 | Fidelity Freedom® Index 2020 Instl Prem | FIWTX | 0.08% |
| |
| IFA Optimized Target Date 2015 | Schwab Target 2015 Index | SWYBX | 0.08% |
| |
| IFA Optimized Target Date Retirement Income | BlackRock LifePath® Index Retire K | LIRKX | 0.09% |
|
Growth of Wealth (Assumed Returns for Equity and Fixed Income)
| # | Year | Age | IFA Optimized Target Dates | Vanguard Target Retirement Inv | Blackrock LifePath Index K | Dimensional Target Dt Rtr Inc Instl | Schwab Target Index | Principal LifeTime Hybrid Instl | American Funds Trgt Date Retire R6 | T. Rowe Price Target I | Fidelity Freedom Instl Prem |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 2026 | 25 | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K |
| 1 | 2027 | 26 | $48.8K | $48.8K | $48.9K | $48.8K | $48.9K | $48.9K | $48.7K | $48.8K | $48.9K |
| 2 | 2028 | 27 | $78.0K | $77.7K | $78.0K | $77.8K | $78.0K | $77.8K | $77.4K | $77.8K | $78.0K |
| 3 | 2029 | 28 | $111K | $110K | $111K | $110K | $111K | $110K | $109K | $110K | $111K |
| 4 | 2030 | 29 | $147K | $146K | $147K | $146K | $147K | $147K | $145K | $146K | $147K |
| 5 | 2031 | 30 | $188K | $186K | $188K | $187K | $188K | $187K | $184K | $187K | $188K |
| 6 | 2032 | 31 | $234K | $231K | $234K | $232K | $234K | $232K | $228K | $231K | $233K |
| 7 | 2033 | 32 | $284K | $280K | $285K | $282K | $284K | $282K | $276K | $281K | $284K |
| 8 | 2034 | 33 | $340K | $335K | $342K | $337K | $340K | $338K | $329K | $336K | $340K |
| 9 | 2035 | 34 | $403K | $396K | $406K | $399K | $403K | $400K | $388K | $398K | $403K |
| 10 | 2036 | 35 | $472K | $464K | $476K | $467K | $472K | $468K | $453K | $466K | $473K |
| 11 | 2037 | 36 | $548K | $538K | $554K | $542K | $549K | $544K | $525K | $541K | $550K |
| 12 | 2038 | 37 | $633K | $621K | $640K | $626K | $633K | $628K | $604K | $623K | $635K |
| 13 | 2039 | 38 | $726K | $712K | $736K | $718K | $726K | $721K | $690K | $713K | $730K |
| 14 | 2040 | 39 | $829K | $812K | $842K | $820K | $829K | $823K | $785K | $813K | $834K |
| 15 | 2041 | 40 | $942K | $923K | $958K | $932K | $942K | $936K | $890K | $924K | $950K |
| 16 | 2042 | 41 | $1.07M | $1.04M | $1.09M | $1.06M | $1.07M | $1.06M | $1.00M | $1.04M | $1.08M |
| 17 | 2043 | 42 | $1.21M | $1.18M | $1.22M | $1.19M | $1.20M | $1.20M | $1.13M | $1.18M | $1.22M |
| 18 | 2044 | 43 | $1.36M | $1.32M | $1.38M | $1.33M | $1.35M | $1.35M | $1.27M | $1.32M | $1.37M |
| 19 | 2045 | 44 | $1.53M | $1.49M | $1.54M | $1.49M | $1.52M | $1.51M | $1.42M | $1.48M | $1.54M |
| 20 | 2046 | 45 | $1.71M | $1.66M | $1.72M | $1.66M | $1.70M | $1.69M | $1.58M | $1.65M | $1.73M |
| 21 | 2047 | 46 | $1.91M | $1.86M | $1.92M | $1.85M | $1.90M | $1.89M | $1.76M | $1.84M | $1.93M |
| 22 | 2048 | 47 | $2.14M | $2.06M | $2.14M | $2.04M | $2.11M | $2.10M | $1.96M | $2.03M | $2.15M |
| 23 | 2049 | 48 | $2.38M | $2.29M | $2.37M | $2.25M | $2.34M | $2.33M | $2.17M | $2.25M | $2.40M |
| 24 | 2050 | 49 | $2.64M | $2.53M | $2.62M | $2.48M | $2.59M | $2.58M | $2.40M | $2.48M | $2.66M |
| 25 | 2051 | 50 | $2.95M | $2.81M | $2.92M | $2.74M | $2.88M | $2.87M | $2.66M | $2.75M | $2.97M |
| 26 | 2052 | 51 | $3.29M | $3.12M | $3.24M | $3.02M | $3.20M | $3.19M | $2.96M | $3.04M | $3.31M |
| 27 | 2053 | 52 | $3.64M | $3.45M | $3.57M | $3.30M | $3.53M | $3.51M | $3.26M | $3.34M | $3.67M |
| 28 | 2054 | 53 | $4.02M | $3.80M | $3.94M | $3.61M | $3.90M | $3.87M | $3.59M | $3.67M | $4.05M |
| 29 | 2055 | 54 | $4.44M | $4.18M | $4.33M | $3.94M | $4.29M | $4.26M | $3.94M | $4.02M | $4.47M |
| 30 | 2056 | 55 | $4.89M | $4.59M | $4.76M | $4.29M | $4.72M | $4.68M | $4.33M | $4.40M | $4.92M |
| 31 | 2057 | 56 | $5.38M | $5.05M | $5.23M | $4.68M | $5.19M | $5.13M | $4.75M | $4.82M | $5.42M |
| 32 | 2058 | 57 | $5.88M | $5.51M | $5.70M | $5.05M | $5.67M | $5.60M | $5.16M | $5.23M | $5.91M |
| 33 | 2059 | 58 | $6.41M | $6.02M | $6.22M | $5.45M | $6.19M | $6.09M | $5.61M | $5.68M | $6.44M |
| 34 | 2060 | 59 | $6.99M | $6.56M | $6.77M | $5.88M | $6.75M | $6.63M | $6.09M | $6.16M | $7.02M |
| 35 | 2061 | 60 | $7.62M | $7.15M | $7.37M | $6.33M | $7.36M | $7.21M | $6.61M | $6.67M | $7.64M |
| 36 | 2062 | 61 | $8.30M | $7.79M | $8.02M | $6.82M | $8.02M | $7.84M | $7.17M | $7.22M | $8.30M |
| 37 | 2063 | 62 | $8.98M | $8.44M | $8.65M | $7.28M | $8.67M | $8.47M | $7.72M | $7.77M | $8.99M |
| 38 | 2064 | 63 | $9.72M | $9.14M | $9.32M | $7.77M | $9.37M | $9.15M | $8.31M | $8.35M | $9.72M |
| 39 | 2065 | 64 | $10.51M | $9.89M | $10.04M | $8.29M | $10.12M | $9.88M | $8.94M | $8.97M | $10.50M |
| 40 | 2066 | 65 | $10.59M | $9.96M | $10.07M | $8.22M | $10.17M | $9.92M | $8.95M | $8.96M | $10.57M |
| 41 | 2067 | 66 | $10.67M | $10.03M | $10.10M | $8.15M | $10.23M | $9.97M | $8.95M | $8.95M | $10.64M |
| 42 | 2068 | 67 | $10.69M | $10.04M | $10.04M | $8.04M | $10.20M | $9.96M | $8.92M | $8.89M | $10.67M |
| 43 | 2069 | 68 | $10.72M | $10.04M | $9.99M | $7.93M | $10.18M | $9.96M | $8.88M | $8.84M | $10.70M |
| 44 | 2070 | 69 | $10.75M | $10.04M | $9.93M | $7.82M | $10.16M | $9.95M | $8.85M | $8.78M | $10.73M |
| 45 | 2071 | 70 | $10.78M | $10.05M | $9.88M | $7.71M | $10.14M | $9.94M | $8.82M | $8.73M | $10.76M |
| 46 | 2072 | 71 | $10.81M | $10.05M | $9.82M | $7.60M | $10.11M | $9.94M | $8.78M | $8.67M | $10.79M |
| 47 | 2073 | 72 | $10.77M | $9.97M | $9.77M | $7.50M | $10.08M | $9.89M | $8.74M | $8.60M | $10.75M |
| 48 | 2074 | 73 | $10.73M | $9.89M | $9.71M | $7.39M | $10.04M | $9.84M | $8.69M | $8.53M | $10.71M |
| 49 | 2075 | 74 | $10.70M | $9.80M | $9.66M | $7.29M | $10.00M | $9.79M | $8.65M | $8.46M | $10.67M |
| 50 | 2076 | 75 | $10.66M | $9.72M | $9.61M | $7.19M | $9.96M | $9.74M | $8.61M | $8.39M | $10.64M |
| 51 | 2077 | 76 | $10.62M | $9.64M | $9.55M | $7.09M | $9.93M | $9.69M | $8.56M | $8.32M | $10.60M |
| 52 | 2078 | 77 | $10.56M | $9.55M | $9.50M | $6.99M | $9.87M | $NaN | $8.50M | $8.24M | $10.51M |
| 53 | 2079 | 78 | $10.50M | $9.46M | $9.45M | $6.88M | $9.81M | $NaN | $8.44M | $8.16M | $10.43M |
| 54 | 2080 | 79 | $10.44M | $9.37M | $9.39M | $6.78M | $9.75M | $NaN | $8.38M | $8.08M | $10.34M |
| 55 | 2081 | 80 | $10.38M | $9.28M | $9.34M | $6.68M | $9.70M | $NaN | $8.32M | $8.01M | $10.25M |
| 56 | 2082 | 81 | $10.32M | $9.19M | $9.29M | $6.58M | $9.64M | $NaN | $8.26M | $7.93M | $10.17M |
| 57 | 2083 | 82 | $10.26M | $9.10M | $9.24M | $6.48M | $9.56M | $NaN | $8.18M | $7.85M | $10.05M |
| 58 | 2084 | 83 | $10.20M | $9.01M | $9.19M | $6.39M | $9.47M | $NaN | $8.11M | $7.77M | $9.93M |
| 59 | 2085 | 84 | $10.15M | $8.93M | $9.14M | $6.29M | $9.39M | $NaN | $8.04M | $7.69M | $9.81M |
| 60 | 2086 | 85 | $10.09M | $8.84M | $9.09M | $6.20M | $9.30M | $NaN | $7.96M | $7.61M | $9.69M |
| 61 | 2087 | 86 | $10.04M | $8.76M | $9.04M | $6.11M | $9.22M | $NaN | $7.89M | $7.53M | $9.57M |
| 62 | 2088 | 87 | $9.98M | $8.67M | $8.99M | $6.02M | $9.14M | $NaN | $7.82M | $7.45M | $9.42M |
| 63 | 2089 | 88 | $9.93M | $8.59M | $8.94M | $5.93M | $9.06M | $NaN | $7.75M | $7.37M | $9.27M |
| 64 | 2090 | 89 | $9.87M | $8.51M | $8.89M | $5.84M | $8.97M | $NaN | $7.68M | $7.29M | $9.12M |
| 65 | 2091 | 90 | $9.82M | $8.43M | $8.84M | $5.75M | $8.89M | $NaN | $7.62M | $7.21M | $8.98M |
| 66 | 2092 | 91 | $9.76M | $8.34M | $8.79M | $5.67M | $8.81M | $NaN | $7.55M | $7.13M | $8.83M |
| 67 | 2093 | 92 | $9.71M | $8.26M | $8.74M | $5.58M | $8.74M | $NaN | $7.48M | $7.05M | $8.72M |
| 68 | 2094 | 93 | $9.65M | $8.19M | $8.69M | $5.50M | $8.66M | $NaN | $7.41M | $6.98M | $8.60M |
| 69 | 2095 | 94 | $9.60M | $8.11M | $8.65M | $5.42M | $8.58M | $NaN | $7.35M | $6.90M | $8.48M |
Indicates a year in retirement.
* Values marked as 'N/A' indicate that there is insufficient data available to provide a valid result.
Group | Category/Name | Equity % | Fixed Income % | Cash % | Other % | Assumed Weighted Return % | Expense Ratio |
|---|---|---|---|---|---|---|---|
| IFA Optimized Target Date 2070 | 2070 | 94.60506% | 4.17008% | 1.21637% | 0.00848% | 9.367% | 0.24% |
| IFA Optimized Target Date 2065 | 2065 | 96.11271% | 2.96059% | 0.88044% | 0.04627% | 9.637% | 0.08% |
| IFA Optimized Target Date 2060 | 2060 | 94.15418% | 4.94224% | 0.85876% | 0.04481% | 9.51% | 0.08% |
| IFA Optimized Target Date 2055 | 2055 | 92.13264% | 6.92439% | 0.89964% | 0.04333% | 9.377% | 0.08% |
| IFA Optimized Target Date 2050 | 2050 | 92.0481% | 7.80568% | 0.10795% | 0.03828% | 9.399% | 0.08% |
| IFA Optimized Target Date 2045 | 2045 | 89.4048% | 10.39781% | 0.16014% | 0.03726% | 9.226% | 0.08% |
| IFA Optimized Target Date 2040 | 2040 | 79.09034% | 20.62145% | 0.25502% | 0.03319% | 8.552% | 0.08% |
| IFA Optimized Target Date 2035 | 2035 | 67.35033% | 30.76416% | 1.85704% | 0.02847% | 7.733% | 0.08% |
| IFA Optimized Target Date 2030 | 2030 | 58.20918% | 40.40758% | 1.3243% | 0.05895% | 7.157% | 0.08% |
| IFA Optimized Target Date 2025 | 2025 | 50.35314% | 48.82166% | 0.80351% | 0.02168% | 6.665% | 0.08% |
| IFA Optimized Target Date 2020 | 2020 | 41.88925% | 54.467% | 3.59074% | 0.05301% | 6.017% | 0.08% |
| IFA Optimized Target Date 2015 | 2015 | 37.95249% | 58.57247% | 3.4616% | 0.01345% | 5.766% | 0.08% |
| IFA Optimized Target Retirement Income | Retirement Income | 37.13688% | 59.17095% | 0.82736% | 2.86481% | 5.795% | 0.09% |
| Vanguard Target Retirement 2065 Fund | 2065 | 89.96993% | 8.42361% | 1.51798% | 0.08848% | 9.215% | 0.08% |
| Vanguard Target Retirement 2060 Fund | 2060 | 89.9944% | 8.42671% | 1.49036% | 0.08853% | 9.217% | 0.08% |
| Vanguard Target Retirement 2055 Fund | 2055 | 90.00614% | 8.42988% | 1.47544% | 0.08854% | 9.219% | 0.08% |
| Vanguard Target Retirement 2050 Fund | 2050 | 88.68482% | 9.7765% | 1.45118% | 0.08749% | 9.134% | 0.08% |
| Vanguard Target Retirement 2045 Fund | 2045 | 81.11372% | 17.4118% | 1.39404% | 0.08046% | 8.644% | 0.08% |
| Vanguard Target Retirement 2040 Fund | 2040 | 73.74875% | 24.87206% | 1.30571% | 0.07348% | 8.168% | 0.08% |
| Vanguard Target Retirement 2035 Fund | 2035 | 66.3168% | 32.29988% | 1.31674% | 0.06658% | 7.685% | 0.08% |
| Vanguard Target Retirement 2030 Fund | 2030 | 58.20918% | 40.40758% | 1.3243% | 0.05895% | 7.157% | 0.08% |
| Vanguard Target Retirement 2025 Fund | 2025 | 47.16798% | 51.21048% | 1.57323% | 0.04831% | 6.431% | 0.08% |
| Vanguard Target Retirement 2020 Fund | 2020 | 32.94055% | 65.23576% | 1.78887% | 0.03483% | 5.499% | 0.08% |
| Vanguard Target Retirement Income Fund | Retirement Income | 30.87441% | 67.26189% | 1.83089% | 0.03281% | 5.363% | 0.08% |
| BlackRock LifePath® Index 2070 K | 2070 | 95.42193% | 0.99704% | 2.69505% | 0.88597% | 9.518% | 0.09% |
| BlackRock LifePath® Index 2065 K | 2065 | 97.45942% | 0.99523% | 0.65267% | 0.89268% | 9.722% | 0.09% |
| BlackRock LifePath® Index 2060 K | 2060 | 97.60155% | 0.99916% | 0.48429% | 0.91501% | 9.737% | 0.09% |
| BlackRock LifePath® Index 2055 K | 2055 | 96.12473% | 2.11693% | 0.50551% | 1.25284% | 9.64% | 0.09% |
| BlackRock LifePath® Index 2050 K | 2050 | 88.87275% | 6.14684% | 2.43095% | 2.54946% | 9.102% | 0.09% |
| BlackRock LifePath® Index 2045 K | 2045 | 82.99716% | 13.02395% | 0.60458% | 3.37431% | 8.784% | 0.09% |
| BlackRock LifePath® Index 2040 K | 2040 | 74.29655% | 22.25196% | 0.63151% | 2.81997% | 8.217% | 0.09% |
| BlackRock LifePath® Index 2035 K | 2035 | 64.44486% | 32.67115% | 0.61284% | 2.27115% | 7.577% | 0.09% |
| BlackRock LifePath® Index 2030 K | 2030 | 50.96003% | 45.9214% | 0.82647% | 2.29211% | 6.693% | 0.09% |
| BlackRock LifePath® Index Retire K | Retirement Income | 37.13688% | 59.17095% | 0.82736% | 2.86481% | 5.795% | 0.09% |
| Dimensional 2070 Target Dt Rtr Inc Instl | 2070 | 94.60506% | 4.17008% | 1.21637% | 0.00848% | 9.367% | 0.24% |
| Dimensional 2065 Target Dt Rtr Inc Instl | 2065 | 94.20146% | 4.14071% | 1.64939% | 0.00844% | 9.345% | 0.22% |
| Dimensional 2060 Target Dt Rtr Inc Instl | 2060 | 94.21233% | 4.15672% | 1.6225% | 0.00846% | 9.347% | 0.22% |
| Dimensional 2055 Target Dt Rtr Inc Instl | 2055 | 94.17647% | 4.15769% | 1.65739% | 0.00846% | 9.343% | 0.22% |
| Dimensional 2050 Target Dt Rtr Inc Instl | 2050 | 86.8533% | 10.22914% | 2.90978% | 0.00778% | 8.834% | 0.21% |
| Dimensional 2045 Target Dt Rtr Inc Instl | 2045 | 73.72844% | 22.14048% | 4.12443% | 0.00664% | 7.948% | 0.2% |
| Dimensional 2040 Target Dt Rtr Inc Instl | 2040 | 60.76886% | 35.71588% | 3.50977% | 0.0055% | 7.137% | 0.19% |
| Dimensional 2035 Target Dt Rtr Inc Instl | 2035 | 47.16976% | 50.16025% | 2.66573% | 0.00427% | 6.293% | 0.18% |
| Dimensional 2030 Target Dt Rtr Inc Instl | 2030 | 33.49729% | 64.92291% | 1.57681% | 0.00299% | 5.452% | 0.17% |
| Dimensional 2025 Target Dt Rtr Inc Instl | 2025 | 24.76811% | 74.47088% | 0.7588% | 0.00221% | 4.923% | 0.16% |
| Dimensional 2020 Target Dt Rtr Inc Instl | 2020 | 24.76302% | 74.68454% | 0.55023% | 0.00222% | 4.91% | 0.18% |
| Dimensional 2015 Target Dt Rtr Inc Instl | 2015 | 22.94993% | 76.53401% | 0.514% | 0.00205% | 4.804% | 0.17% |
| Schwab Target 2065 Index | 2065 | 96.11271% | 2.96059% | 0.88044% | 0.04627% | 9.637% | 0.08% |
| Schwab Target 2060 Index | 2060 | 94.15418% | 4.94224% | 0.85876% | 0.04481% | 9.51% | 0.08% |
| Schwab Target 2055 Index | 2055 | 92.13264% | 6.92439% | 0.89964% | 0.04333% | 9.377% | 0.08% |
| Schwab Target 2050 Index | 2050 | 88.83244% | 10.01131% | 1.11521% | 0.04104% | 9.155% | 0.08% |
| Schwab Target 2045 Index | 2045 | 83.32456% | 15.43169% | 1.20634% | 0.03741% | 8.794% | 0.08% |
| Schwab Target 2040 Index | 2040 | 76.03574% | 22.42482% | 1.50623% | 0.03321% | 8.31% | 0.08% |
| Schwab Target 2035 Index | 2035 | 67.35033% | 30.76416% | 1.85704% | 0.02847% | 7.733% | 0.08% |
| Schwab Target 2030 Index | 2030 | 55.82307% | 41.82351% | 2.3309% | 0.02252% | 6.967% | 0.08% |
| Schwab Target 2025 Index | 2025 | 43.3844% | 53.92471% | 2.67521% | 0.01569% | 6.146% | 0.08% |
| Schwab Target 2020 Index | 2020 | 41.1378% | 55.72417% | 3.12337% | 0.01466% | 5.985% | 0.08% |
| Schwab Target 2015 Index | 2015 | 37.95249% | 58.57247% | 3.4616% | 0.01345% | 5.766% | 0.08% |
| Schwab Target 2010 Index | 2010 | 33.17861% | 62.72079% | 4.08874% | 0.01186% | 5.434% | 0.08% |
| Principal LifeTime Hybrid 2070 Inst | 2070 | 96.77831% | 2.95411% | 0.22303% | 0.04456% | 9.413% | 0.37% |
| Principal LifeTime Hybrid 2065 Instl | 2065 | 96.77674% | 2.95662% | 0.22204% | 0.0446% | 9.403% | 0.38% |
| Principal LifeTime Hybrid 2060 Instl | 2060 | 96.76482% | 2.95907% | 0.23151% | 0.0446% | 9.402% | 0.38% |
| Principal LifeTime Hybrid 2055 Instl | 2055 | 96.7384% | 2.98508% | 0.22188% | 0.05465% | 9.4% | 0.38% |
| Principal LifeTime Hybrid 2050 Instl | 2050 | 93.84253% | 5.86735% | 0.22408% | 0.06604% | 9.212% | 0.38% |
| Principal LifeTime Hybrid 2045 Instl | 2045 | 86.77488% | 12.92792% | 0.2295% | 0.06769% | 8.762% | 0.37% |
| Principal LifeTime Hybrid 2040 Instl | 2040 | 76.96525% | 22.71813% | 0.23817% | 0.07844% | 8.134% | 0.36% |
| Principal LifeTime Hybrid 2035 Instl | 2035 | 66.32726% | 33.33661% | 0.23924% | 0.09689% | 7.463% | 0.34% |
| Principal LifeTime Hybrid 2030 Instl | 2030 | 57.65285% | 41.75376% | 0.47787% | 0.11553% | 6.891% | 0.34% |
| Principal LifeTime Hybrid 2025 Instl | 2025 | 49.04409% | 50.15868% | 0.66695% | 0.13027% | 6.315% | 0.35% |
| Principal LifeTime Hybrid 2020 Instl | 2020 | 42.20711% | 56.8061% | 0.85089% | 0.13588% | 5.854% | 0.36% |
| Principal LifeTime Hybrid 2015 Instl | 2015 | N/A | N/A | N/A | N/A | N/A | 0.36% |
| Principal LifeTime Hybrid Income Instl | Retirement Income | 37.10991% | 61.78436% | 0.96609% | 0.13964% | 5.518% | 0.36% |
| American Funds 2070 Trgt Date Retire R6 | 2070 | 88.805% | 6.95976% | 2.88192% | 1.35332% | 8.781% | 0.39% |
| American Funds 2065 Trgt Date Retire R6 | 2065 | 88.81744% | 6.94222% | 2.8852% | 1.35514% | 8.782% | 0.39% |
| American Funds 2060 Trgt Date Retire R6 | 2060 | 88.75944% | 6.98745% | 2.9014% | 1.35171% | 8.778% | 0.39% |
| American Funds 2055 Trgt Date Retire R6 | 2055 | 88.1993% | 7.48371% | 2.94635% | 1.37063% | 8.74% | 0.39% |
| American Funds 2050 Trgt Date Retire R6 | 2050 | 86.92435% | 8.61972% | 3.01892% | 1.43701% | 8.674% | 0.37% |
| American Funds 2045 Trgt Date Retire R6 | 2045 | 84.01977% | 11.42229% | 3.06722% | 1.49072% | 8.484% | 0.37% |
| American Funds 2040 Trgt Date Retire R6 | 2040 | 75.27237% | 20.08884% | 3.23702% | 1.40176% | 7.919% | 0.36% |
| American Funds 2035 Trgt Date Retire R6 | 2035 | 62.45617% | 32.7859% | 3.53011% | 1.22781% | 7.096% | 0.34% |
| American Funds 2030 Trgt Date Retire R6 | 2030 | 52.35232% | 42.83178% | 3.72355% | 1.09236% | 6.443% | 0.33% |
| American Funds 2025 Trgt Date Retire R6 | 2025 | 45.07727% | 49.86472% | 4.00153% | 1.05648% | 5.98% | 0.31% |
| American Funds 2020 Trgt Date Retire R6 | 2020 | 42.87861% | 51.89918% | 4.13514% | 1.08707% | 5.842% | 0.3% |
| American Funds 2015 Trgt Date Retire R6 | 2015 | 39.42021% | 55.18678% | 4.34907% | 1.04394% | 5.61% | 0.3% |
| American Funds 2010 Trgt Date Retire R6 | 2010 | 36.67097% | 57.74224% | 4.58663% | 1.00015% | 5.433% | 0.29% |
| T. Rowe Price Target 2065 I | 2065 | 97.07623% | 1.3254% | 0.96181% | 0.63657% | 9.316% | 0.46% |
| T. Rowe Price Target 2060 I | 2060 | 96.55595% | 1.81849% | 0.98762% | 0.63793% | 9.282% | 0.46% |
| T. Rowe Price Target 2055 I | 2055 | 94.23065% | 4.09349% | 1.0405% | 0.63538% | 9.139% | 0.45% |
| T. Rowe Price Target 2050 I | 2050 | 89.59491% | 8.51884% | 1.23487% | 0.65137% | 8.84% | 0.44% |
| T. Rowe Price Target 2045 I | 2045 | 81.29754% | 16.30634% | 1.73395% | 0.66216% | 8.294% | 0.43% |
| T. Rowe Price Target 2040 I | 2040 | 71.46935% | 25.86527% | 2.02841% | 0.63697% | 7.665% | 0.41% |
| T. Rowe Price Target 2035 I | 2035 | 60.52638% | 36.3673% | 2.46487% | 0.64145% | 6.958% | 0.39% |
| T. Rowe Price Target 2030 I | 2030 | 49.9095% | 46.46875% | 2.97926% | 0.64247% | 6.27% | 0.37% |
| T. Rowe Price Target 2025 I | 2025 | 41.35512% | 54.65997% | 3.34248% | 0.64243% | 5.721% | 0.35% |
| T. Rowe Price Target 2020 I | 2020 | 37.5199% | 58.54208% | 3.27555% | 0.66247% | 5.494% | 0.33% |
| T. Rowe Price Target 2015 I | 2015 | 35.54338% | 60.50631% | 3.28161% | 0.6687% | 5.385% | 0.31% |
| T. Rowe Price Target 2010 I | 2010 | 33.86399% | 62.18773% | 3.25895% | 0.68933% | 5.287% | 0.3% |
| T. Rowe Price Target 2005 I | 2005 | 32.85853% | 63.1766% | 3.26891% | 0.69595% | 5.221% | 0.3% |
| Fidelity Freedom Index 2070 Instl Prem | 2070 | 95.07501% | 4.77665% | 0.10884% | 0.03949% | 9.596% | 0.08% |
| Fidelity Freedom® Index 2065 Instl Prm | 2065 | 95.07327% | 4.77771% | 0.10953% | 0.03949% | 9.586% | 0.09% |
| Fidelity Freedom® Index 2060 Instl Prem | 2060 | 95.07322% | 4.77788% | 0.10941% | 0.03949% | 9.596% | 0.08% |
| Fidelity Freedom® Index 2055 Instl Prem | 2055 | 94.49649% | 5.34936% | 0.11489% | 0.03926% | 9.558% | 0.08% |
| Fidelity Freedom® Index 2050 Instl Prem | 2050 | 92.0481% | 7.80568% | 0.10795% | 0.03828% | 9.399% | 0.08% |
| Fidelity Freedom® Index 2045 Instl Prem | 2045 | 89.4048% | 10.39781% | 0.16014% | 0.03726% | 9.226% | 0.08% |
| Fidelity Freedom® Index 2040 Instl Prem | 2040 | 79.09034% | 20.62145% | 0.25502% | 0.03319% | 8.552% | 0.08% |
| Fidelity Freedom® Index 2035 Instl Prem | 2035 | 64.65008% | 34.95211% | 0.37034% | 0.02746% | 7.609% | 0.08% |
| Fidelity Freedom® Index 2030 Instl Prem | 2030 | 56.78499% | 42.74205% | 0.44867% | 0.02428% | 7.095% | 0.08% |
| Fidelity Freedom® Index 2025 Instl Prem | 2025 | 50.35314% | 48.82166% | 0.80351% | 0.02168% | 6.665% | 0.08% |
| Fidelity Freedom® Index 2020 Instl Prem | 2020 | 41.88925% | 54.467% | 3.59074% | 0.05301% | 6.017% | 0.08% |
| Fidelity Freedom® Index 2015 Instl Prem | 2015 | 35.08086% | 59.18825% | 5.67272% | 0.05817% | 5.502% | 0.08% |
| Fidelity Freedom® Index 2010 Instl Prem | 2010 | 29.73476% | 63.25257% | 6.95159% | 0.06107% | 5.109% | 0.08% |
| Fidelity Freedom® Index 2005 Instl Prem | 2005 | 19.39% | 80.61% | 0.00% | 0.00% | 4.68% | 0.08% |
| Fidelity Freedom® Index Inc Instl Prem | Retirement Income | 27.98506% | 64.08991% | 7.85988% | 0.06515% | 4.964% | 0.08% |
Choosing a Fund
To determine your anticipated retirement year, refer to the table below:
| Name | Years to Retirement | Birth Year | Current Age | Retirement Year at Age 65 |
|---|---|---|---|---|
| IFA Optimized Target Date 2070 | About 44 More Years | ≥ 2003 | ≤ 23 | ≥ 2068 |
| IFA Optimized Target Date 2065 | About 39 More Years | 1998 to 2002 | 24 to 28 | 2063 to 2067 |
| IFA Optimized Target Date 2060 | About 34 More Years | 1993 to 1997 | 29 to 33 | 2058 to 2062 |
| IFA Optimized Target Date 2055 | About 29 More Years | 1988 to 1992 | 34 to 38 | 2053 to 2057 |
| IFA Optimized Target Date 2050 | About 24 More Years | 1983 to 1987 | 39 to 43 | 2048 to 2052 |
| IFA Optimized Target Date 2045 | About 19 More Years | 1978 to 1982 | 44 to 48 | 2043 to 2047 |
| IFA Optimized Target Date 2040 | About 14 More Years | 1973 to 1977 | 49 to 53 | 2038 to 2042 |
| IFA Optimized Target Date 2035 | About 9 More Years | 1968 to 1972 | 54 to 58 | 2033 to 2037 |
| IFA Optimized Target Date 2030 | About 4 More Years | 1963 to 1967 | 59 to 63 | 2028 to 2032 |
| IFA Optimized Target Date 2025 | In Retirement | 1958 to 1962 | 64 to 68 | 2023 to 2027 |
| IFA Optimized Target Date 2020 | In Retirement | 1953 to 1957 | 69 to 73 | 2018 to 2022 |
| IFA Optimized Target Date 2015 | In Retirement | 1948 to 1952 | 74 to 78 | 2013 to 2017 |
| IFA Optimized Target Date Retirement | In Retirement | ≤ 1947 | ≥ 79 | ≤ 2012 |
Disclosures and Assumptions:
- 3 Year Return Data is from 05/1/2022-4/30/2025.
- 5 Year Return Data is from 05/1/2020-4/30/2025.
- Return Data and Expense Ratio data Source: Morningstar Direct.
- Weighted Assumed Return = (0% * Cash) + (10% * Equity) + (3.5% * Fixed Income) + (3.5% * Other) - Net Expense Ratio %
- Growth of Wealth data is presented for illustration purposes only. There are no guarantees investment strategies will be successful. Actual performance will vary.