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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.

v2025.10.10
NameUnderlying FundTickerExpense RatioAllocationChart
IFA Optimized Target Date 2070 Dimensional 2070 Target Dt Rtr Inc Instl DFARX 0.24%
  • 93.89% - Equity
  • 4.80% - Fixed Income
  • 1.31% - Cash
  • 0.01% - Other
IFA Optimized Target Date 2065 Schwab Target 2065 Index SWYOX 0.08%
  • 96.11% - Equity
  • 2.93% - Fixed Income
  • 0.91% - Cash
  • 0.05% - Other
IFA Optimized Target Date 2060 Schwab Target 2060 Index SWYNX 0.08%
  • 94.19% - Equity
  • 4.89% - Fixed Income
  • 0.87% - Cash
  • 0.05% - Other
IFA Optimized Target Date 2055 Schwab Target 2055 Index SWYJX 0.08%
  • 92.14% - Equity
  • 6.86% - Fixed Income
  • 0.96% - Cash
  • 0.05% - Other
IFA Optimized Target Date 2050 Fidelity Freedom® Index 2050 Instl Prem FFOPX 0.08%
  • 91.83% - Equity
  • 8.05% - Fixed Income
  • 0.07% - Cash
  • 0.04% - Other
IFA Optimized Target Date 2045 Fidelity Freedom® Index 2045 Instl Prem FFOLX 0.08%
  • 89.65% - Equity
  • 10.23% - Fixed Income
  • 0.08% - Cash
  • 0.04% - Other
IFA Optimized Target Date 2040 Fidelity Freedom® Index 2040 Instl Prem FFIZX 0.08%
  • 79.52% - Equity
  • 20.31% - Fixed Income
  • 0.13% - Cash
  • 0.04% - Other
IFA Optimized Target Date 2035 Schwab Target 2035 Index SWYFX 0.08%
  • 67.54% - Equity
  • 30.52% - Fixed Income
  • 1.91% - Cash
  • 0.03% - Other
IFA Optimized Target Date 2030 Vanguard Target Retirement 2030 Fund VTHRX 0.08%
  • 58.11% - Equity
  • 40.26% - Fixed Income
  • 1.57% - Cash
  • 0.06% - Other
IFA Optimized Target Date 2025 Fidelity Freedom® Index 2025 Instl Prem FFEDX 0.08%
  • 50.52% - Equity
  • 48.82% - Fixed Income
  • 0.63% - Cash
  • 0.02% - Other
IFA Optimized Target Date 2020 Fidelity Freedom® Index 2020 Instl Prem FIWTX 0.08%
  • 41.97% - Equity
  • 54.87% - Fixed Income
  • 3.15% - Cash
  • 0.02% - Other
IFA Optimized Target Date 2015 Schwab Target 2015 Index SWYBX 0.08%
  • 38.16% - Equity
  • 58.31% - Fixed Income
  • 3.52% - Cash
  • 0.01% - Other
IFA Optimized Target Date Retirement Income BlackRock LifePath® Index Retire K LIRKX 0.09%
  • 37.07% - Equity
  • 59.06% - Fixed Income
  • 0.96% - Cash
  • 2.91% - Other

Included Target Date Families:

Toggle All

Compare a Hypothetical Participant's Retirement Path

Balance and Age:

Retirement Plan Contributions:

Retirement Duration and Withdrawal Amount:

Projected Rates of Returns and Assumptions:

Assumed Returns for Equity and Fixed Income:
3 Yr Data:
5 Yr Data:
Other:

Growth of Wealth (Assumed Returns for Equity and Fixed Income)

Growth of Wealth (Assumed Returns for Equity and Fixed Income) Data Table:
#YearAgeIFA Optimized Target DatesVanguard Target Retirement InvBlackrock LifePath Index KDimensional Target Dt Rtr Inc InstlSchwab Target IndexPrincipal LifeTime Hybrid InstlAmerican Funds Trgt Date Retire R6T. Rowe Price Target IFidelity Freedom Instl Prem
0202625$23.0K$23.0K$23.0K$23.0K$23.0K$23.0K$23.0K$23.0K$23.0K
1202726$48.8K$48.8K$48.9K$48.8K$48.9K$48.9K$48.7K$48.8K$48.9K
2202827$77.9K$77.7K$78.0K$77.7K$78.0K$77.8K$77.4K$77.7K$77.9K
3202928$111K$110K$111K$110K$111K$110K$109K$110K$111K
4203029$147K$146K$147K$146K$147K$147K$145K$146K$147K
5203130$188K$186K$188K$186K$188K$187K$184K$186K$188K
6203231$234K$231K$234K$231K$234K$232K$228K$231K$233K
7203332$284K$280K$285K$280K$284K$282K$276K$281K$283K
8203433$340K$335K$342K$335K$340K$338K$329K$336K$340K
9203534$403K$396K$405K$396K$403K$400K$388K$397K$402K
10203635$472K$463K$475K$464K$472K$468K$453K$464K$471K
11203736$548K$538K$553K$539K$549K$544K$524K$539K$548K
12203837$633K$620K$639K$621K$633K$628K$603K$621K$633K
13203938$726K$711K$734K$712K$726K$720K$689K$711K$727K
14204039$829K$811K$839K$813K$829K$823K$784K$811K$831K
15204140$942K$921K$956K$923K$942K$936K$888K$920K$946K
16204241$1.07M$1.04M$1.08M$1.05M$1.07M$1.06M$1.00M$1.04M$1.07M
17204342$1.21M$1.18M$1.22M$1.18M$1.20M$1.20M$1.13M$1.17M$1.21M
18204443$1.36M$1.32M$1.38M$1.32M$1.35M$1.35M$1.26M$1.31M$1.36M
19204544$1.53M$1.48M$1.54M$1.47M$1.52M$1.51M$1.41M$1.47M$1.53M
20204645$1.71M$1.66M$1.73M$1.65M$1.70M$1.69M$1.58M$1.64M$1.72M
21204746$1.91M$1.85M$1.93M$1.83M$1.90M$1.89M$1.76M$1.83M$1.92M
22204847$2.13M$2.06M$2.14M$2.02M$2.11M$2.10M$1.95M$2.02M$2.14M
23204948$2.38M$2.28M$2.38M$2.23M$2.34M$2.33M$2.16M$2.23M$2.39M
24205049$2.64M$2.53M$2.63M$2.45M$2.59M$2.58M$2.39M$2.46M$2.66M
25205150$2.95M$2.81M$2.93M$2.71M$2.88M$2.87M$2.65M$2.73M$2.97M
26205251$3.29M$3.12M$3.25M$3.00M$3.20M$3.18M$2.94M$3.02M$3.31M
27205352$3.64M$3.44M$3.59M$3.28M$3.54M$3.51M$3.24M$3.32M$3.66M
28205453$4.02M$3.79M$3.95M$3.58M$3.90M$3.86M$3.57M$3.64M$4.04M
29205554$4.44M$4.17M$4.35M$3.91M$4.30M$4.25M$3.92M$3.99M$4.46M
30205655$4.90M$4.58M$4.78M$4.26M$4.73M$4.67M$4.30M$4.37M$4.92M
31205756$5.39M$5.03M$5.25M$4.65M$5.20M$5.12M$4.72M$4.78M$5.41M
32205857$5.89M$5.50M$5.73M$5.02M$5.68M$5.58M$5.13M$5.19M$5.91M
33205958$6.43M$6.00M$6.25M$5.41M$6.20M$6.08M$5.57M$5.63M$6.44M
34206059$7.01M$6.55M$6.80M$5.84M$6.76M$6.62M$6.05M$6.10M$7.01M
35206160$7.63M$7.13M$7.41M$6.29M$7.37M$7.19M$6.56M$6.60M$7.63M
36206261$8.31M$7.77M$8.06M$6.78M$8.03M$7.82M$7.11M$7.15M$8.30M
37206362$9.00M$8.41M$8.69M$7.24M$8.68M$8.45M$7.65M$7.69M$8.99M
38206463$9.74M$9.11M$9.37M$7.73M$9.38M$9.12M$8.24M$8.26M$9.72M
39206564$10.53M$9.86M$10.10M$8.25M$10.13M$9.84M$8.86M$8.87M$10.51M
40206665
$10.60M$9.93M$10.13M$8.18M$10.19M$9.89M$8.86M$8.86M$10.58M
41206766
$10.68M$10.00M$10.17M$8.11M$10.25M$9.94M$8.86M$8.85M$10.65M
42206867
$10.71M$10.00M$10.11M$8.00M$10.22M$9.93M$8.82M$8.79M$10.68M
43206968
$10.74M$10.01M$10.05M$7.89M$10.20M$9.92M$8.78M$8.73M$10.71M
44207069
$10.77M$10.01M$10.00M$7.78M$10.18M$9.91M$8.74M$8.67M$10.74M
45207170
$10.80M$10.01M$9.94M$7.67M$10.16M$9.91M$8.70M$8.62M$10.77M
46207271
$10.83M$10.02M$9.89M$7.56M$10.14M$9.90M$8.66M$8.56M$10.80M
47207372
$10.79M$9.94M$9.83M$7.46M$10.10M$9.85M$8.61M$8.48M$10.77M
48207473
$10.76M$9.85M$9.78M$7.35M$10.07M$9.80M$8.56M$8.40M$10.73M
49207574
$10.72M$9.77M$9.72M$7.25M$10.03M$9.75M$8.51M$8.32M$10.70M
50207675
$10.69M$9.69M$9.67M$7.15M$10.00M$9.70M$8.46M$8.25M$10.66M
51207776
$10.65M$9.61M$9.61M$7.05M$9.96M$9.65M$8.42M$8.17M$10.63M
52207877
$10.59M$9.52M$9.56M$6.94M$9.91M$NaN$8.35M$8.09M$10.54M
53207978
$10.53M$9.43M$9.50M$6.84M$9.85M$NaN$8.28M$8.00M$10.45M
54208079
$10.47M$9.34M$9.45M$6.74M$9.79M$NaN$8.22M$7.92M$10.36M
55208180
$10.41M$9.25M$9.40M$6.64M$9.74M$NaN$8.15M$7.84M$10.28M
56208281
$10.35M$9.16M$9.34M$6.54M$9.68M$NaN$8.08M$7.76M$10.19M
57208382
$10.30M$9.07M$9.29M$6.44M$9.60M$NaN$8.01M$7.67M$10.06M
58208483
$10.24M$8.98M$9.24M$6.34M$9.51M$NaN$7.93M$7.59M$9.94M
59208584
$10.18M$8.89M$9.19M$6.25M$9.43M$NaN$7.85M$7.50M$9.81M
60208685
$10.12M$8.81M$9.14M$6.16M$9.34M$NaN$7.78M$7.42M$9.69M
61208786
$10.07M$8.72M$9.09M$6.06M$9.26M$NaN$7.70M$7.34M$9.57M
62208887
$10.01M$8.64M$9.03M$5.97M$9.18M$NaN$7.63M$7.25M$9.42M
63208988
$9.95M$8.56M$8.98M$5.88M$9.10M$NaN$7.56M$7.17M$9.27M
64209089
$9.90M$8.47M$8.93M$5.80M$9.02M$NaN$7.48M$7.08M$9.12M
65209190
$9.84M$8.39M$8.88M$5.71M$8.94M$NaN$7.41M$7.00M$8.97M
66209291
$9.79M$8.31M$8.83M$5.62M$8.86M$NaN$7.34M$6.92M$8.83M
67209392
$9.73M$8.23M$8.78M$5.54M$8.78M$NaN$7.27M$6.84M$8.71M
68209493
$9.68M$8.15M$8.73M$5.46M$8.70M$NaN$7.20M$6.76M$8.58M
69209594
$9.62M$8.07M$8.69M$5.38M$8.63M$NaN$7.13M$6.68M$8.46M

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

Choosing a Fund

To determine your anticipated retirement year, refer to the table below:

NameYears to RetirementBirth YearCurrent AgeRetirement Year at Age 65
IFA Optimized Target Date 2070 About 44 More Years≥ 2003≤ 23≥ 2068
IFA Optimized Target Date 2065 About 39 More Years1998 to 200224 to 282063 to 2067
IFA Optimized Target Date 2060 About 34 More Years1993 to 199729 to 332058 to 2062
IFA Optimized Target Date 2055 About 29 More Years1988 to 199234 to 382053 to 2057
IFA Optimized Target Date 2050 About 24 More Years1983 to 198739 to 432048 to 2052
IFA Optimized Target Date 2045 About 19 More Years1978 to 198244 to 482043 to 2047
IFA Optimized Target Date 2040 About 14 More Years1973 to 197749 to 532038 to 2042
IFA Optimized Target Date 2035 About 9 More Years1968 to 197254 to 582033 to 2037
IFA Optimized Target Date 2030 About 4 More Years1963 to 196759 to 632028 to 2032
IFA Optimized Target Date 2025 In Retirement1958 to 196264 to 682023 to 2027
IFA Optimized Target Date 2020 In Retirement1953 to 195769 to 732018 to 2022
IFA Optimized Target Date 2015 In Retirement1948 to 195274 to 782013 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.

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The data provided in charts referring to IFA Index Portfolios is hypothetical back-tested performance and is not actual client performance. Performance data for the IFA Index Portfolios is shown net of IFA's highest advisory fee and the underlying mutual fund expenses. IFA Indexes when shown individually do not reflect a deduction of advisory fees. None of the data reflects trading costs or taxes, which would have lowered performance by these costs. See more important disclosures at ifabt.com.
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