VTINX

About VTINX

Vanguard Target Retirement Income Fund Investor Shares is a target-date mutual fund designed to deliver current income with modest capital appreciation for investors already in retirement. It achieves this by allocating 100% of assets to underlying Vanguard index funds and handling ongoing asset allocation and rebalancing within the portfolio. The fund maintains a fixed, conservative mix that emphasizes high-quality bonds alongside a measured equity stake, providing diversified exposure to U.S. and international stocks and investment‑grade bonds, including Treasury Inflation‑Protected Securities and securitized assets. This construction offers broad market coverage in a single vehicle, simplifying portfolio management while seeking stability and income. The strategy reflects Vanguard’s hallmark approach of low costs, broad diversification, and disciplined governance across its Target Retirement lineup. With a longstanding track record since 2003 and a large asset base, the fund serves as a core income anchor for retirees who prefer an all‑in‑one, professionally managed allocation that prioritizes income generation and risk control over aggressive growth.