Best- and worst-performing target date funds

By category, ranked by three-month return

Oct 26, 2014 @ 12:01 am

Target Date 2016-2020

Top 103-month return1-year return3-year return5-year returnNet assets ($M)Expense ratio*
Putnam RetirementReady 2020 A (PRRMX)0.05%8.17%9.67%7.38%$43.400.99%
Madison Target Retirement 2020 R6 (MTWRX)-0.34%8.41%10.29%7.98%$62.200.55%
MainStay Retirement 2020 A (MYROX)-0.64%9.49%13.71%9.50%$176.201.05%
JHancock Retirement Choices at 2020 1 (JRWOX)-0.73%6.59%8.35%N/A$934.100.69%
American Funds 2020 Trgt Date Retire A (AACTX)-0.76%10.74%14.08%10.19%$4,105.000.73%
Vanguard Target Retirement 2020 Inv (VTWNX)-0.80%10.13%13.32%9.99%$27,487.600.16%
American Century One Choice 2020 R6 (ARBDX)-0.92%8.89%N/AN/A$44.800.55%
Franklin LifeSmart 2020 Retire Trgt A ()-0.97%8.72%N/AN/A$15.301.00%
TIAA-CREF Lifecycle Index 2020 Inst (TLWIX)-1.01%9.52%13.16%9.72%$447.700.15%
American Century One Choice 2020 A (ARBMX)-1.05%8.34%11.32%8.86%$1,367.301.07%
Bottom 5
AllianceBern 2020 Retirement Strat A (LTHAX)-2.88%8.17%11.72%8.37%$189.601.02%
Nationwide Destination 2020 A (NWAFX)-2.59%6.88%10.94%8.15%$257.000.92%
MassMutual RetireSMART 2020 A (MRTAX)-2.48%7.40%13.51%9.51%$518.801.21%
QS Legg Mason Target Retirement 2020 A (LMWAX)-2.42%8.50%12.19%9.02%$5.901.15%
Manning & Napier Target 2020 I (MTNIX)-2.35%8.79%12.60%9.27%$186.100.86%

Target Date 2021-2025

Top 103-month return1-year return3-year return5-year returnNet assets ($M)Expense ratio*
Putnam RetirementReady 2025 A (PRROX)-0.10%9.86%12.23%8.71%$48.31.02%
American Funds 2025 Trgt Date Retire A (AADTX)-0.95%12.01%16.83%11.51%$3,855.80.74%
American Century One Choice 2025 R6 (ARWDX)-1.00%9.68%N/AN/A$44.00.57%
JHancock Retirement Choices at 2025 1 (JREOX)-1.00%8.57%11.52%N/A$1,278.20.68%
Vanguard Target Retirement 2025 Inv (VTTVX)-1.02%10.80%14.61%10.62%$31,428.10.17%
TIAA-CREF Lifecycle Index 2025 Inst (TLQIX)-1.11%10.33%14.60%10.41%$451.50.15%
American Century One Choice 2025 A (ARWAX)-1.15%8.93%12.23%9.38%$2,173.01.10%
JPMorgan SmartRetirement 2025 A (JNSAX)-1.20%10.03%14.97%10.63%$3,752.60.95%
BlackRock LifePath Active 2025 Inv A (BAPDX)-1.31%9.11%12.85%9.58%$31.30.90%
Fidelity Freedom 2025 (FFTWX)-1.34%9.39%13.27%9.55%$8,814.00.72%
Bottom 5
Nationwide Destination 2025 A (NWHAX)-3.03%7.56%12.87%9.22%$267.90.92%
AllianceBernstein 2025 Retirement Strat A (LTIAX)-2.94%8.83%13.09%8.81%$189.51.04%
MassMutual RetireSMART 2025 A (MMSDX)-2.78%7.98%14.93%N/A$92.01.20%
Harbor Target Retirement 2025 Instl (HARMX)-2.56%6.01%10.86%8.40%$9.90.69%
Manning & Napier Target 2025 I (MTOAX)-2.56%10.17%N/AN/A$21.60.87%

Target Date 2026-2030

Top 103-month return1-year return3-year return5-year returnNet assets ($M)Expense ratio*
Citi Market Pilot 2030 I (CFTYX)-0.19%0.00%N/AN/A$5.21.10%
Putnam RetirementReady 2030 A (PRRQX)-0.39%11.28%14.59%9.78%$49.11.05%
Madison Target Retirement 2030 R6 (MTIRX)-0.45%10.67%13.06%9.29%$82.60.55%
Franklin LifeSmart 2030 Retire Trgt A ()-0.61%8.84%N/AN/A$17.31.02%
MainStay Retirement 2030 A (MRTTX)-0.82%10.74%16.25%10.62%$224.91.08%
American Funds 2030 Trgt Date Retire A (AAETX)-1.07%12.66%17.93%12.01%$3,924.10.75%
American Century One Choice 2030 R6 (ARCUX)-1.09%10.12%N/AN/A$40.30.59%
JHancock Retirement Choices at 2030 1 (JRHOX)-1.19%10.00%13.61%N/A$1,183.20.68%
American Century One Choice 2030 A (ARCMX)-1.19%9.50%13.25%9.94%$1,338.01.12%
Vanguard Target Retirement 2030 Inv (VTHRX)-1.19%11.51%15.92%11.23%$23,084.90.17%
Bottom 5
Nationwide Destination 2030 A (NWIAX)-3.23%8.14%14.59%10.04%$255.20.92%
Harbor Target Retirement 2030 Instl (HARPX)-3.04%6.51%12.28%9.08%$24.60.72%
MassMutual RetireSMART 2030 A (MRYAX)-3.01%8.16%15.55%10.42%$502.81.24%
AllianceBern 2030 Retirement Strat A (LTJAX)-2.97%9.39%14.42%9.15%$162.51.06%
Invesco Balanced-Risk Retire 2030 A (TNAAX)-2.89%4.43%7.44%7.88%$131.51.12%

Target Date 2031-2035

Top 103-month return1-year return3-year return5-year returnNet assets ($M)Expense ratio*
Putnam RetirementReady 2035 A (PRRWX)-0.57%12.54%16.57%10.70%$37.11.09%
American Century One Choice 2035 R6 (ARLDX)-1.08%10.80%N/AN/A$35.90.61%
American Funds 2035 Trgt Date Retire A (AAFTX)-1.14%12.71%18.12%12.05%$2,759.20.76%
American Century One Choice 2035 A (ARYAX)-1.26%10.16%14.39%10.60%$1,697.21.15%
TIAA-CREF Lifecycle Index 2035 Inst (TLYIX)-1.35%11.87%17.52%11.78%$455.00.15%
Vanguard Target Retirement 2035 Inv (VTTHX)-1.39%12.20%17.23%11.82%$23,826.10.18%
Franklin LifeSmart 2035 Retire Trgt A (FRTAX)-1.44%9.37%13.97%10.19%$89.00.99%
JHancock Retirement Choices at 2035 1 (JRYOX)-1.45%10.79%14.86%N/A$942.70.68%
BlackRock LifePath Active 2035 Inv A (BAPGX)-1.52%9.60%14.72%9.99%$20.70.96%
JPMorgan SmartRetirement 2035 A (SRJAX)-1.54%11.44%17.71%11.73%$2,846.31.00%
Bottom 5
Nationwide Destination 2035 A (NWLAX)-3.44%8.44%15.88%10.67%$192.90.92%
Harbor Target Retirement 2035 Instl (HARUX)-3.29%6.98%13.92%9.77%$8.30.74%
Russell LifePoints 2035 Strategy R1 (RVLRX)-3.20%8.83%15.17%10.24%$26.40.70%
MassMutual RetireSMART 2035 A (MMXAX)-3.05%8.33%15.96%N/A$65.81.26%
AllianceBern 2035 Retirement Strat A (LTKAX)-2.99%9.69%15.37%9.30%$129.61.06%

Target Date 2036-2040

Top 103-month return1-year return3-year return5-year returnNet assets ($M)Expense ratio*
Citi Market Pilot 2040 I (CFTWX)-0.19%N/AN/AN/A$5.21.10%
Franklin LifeSmart 2040 Retire Target A-0.52%8.82%N/AN/A$11.51.01%
Madison Target Retirement 2040 R6 (MFRRX)-0.62%11.62%14.50%9.85%$58.30.55%
Putnam RetirementReady 2040 A (PRRZX)-0.67%13.58%18.00%11.36%$28.41.15%
American Funds 2040 Trgt Date Retire A (AAGTX)-1.13%12.94%18.40%12.17%$2,515.30.76%
MainStay Retirement 2040 A (MSRTX)-1.16%11.27%17.57%11.17%$169.11.08%
American Century One Choice 2040 R6 (ARDUX)-1.16%11.63%N/AN/A$29.40.64%
American Century One Choice 2040 A (ARDMX)-1.30%10.86%15.52%11.23%$992.01.18%
JHancock Retirement Choices at 2040 1 (JRROX)-1.50%11.25%15.46%N/A$678.90.69%
TIAA-CREF Lifecycle Index 2040 Inst (TLZIX)-1.51%12.42%18.25%12.11%$537.40.15%
Bottom 5
Nationwide Destination 2040 A (NWMAX)-3.51%8.67%16.42%10.91%$154.70.92%
Invesco Balanced-Risk Retire 2040 A (TNDAX)-3.43%5.20%7.67%7.91%$80.61.24%
Harbor Target Retirement 2040 Instl (HARYX)-3.39%7.83%15.43%10.36%$18.60.76%
Russell LifePoints 2040 Strategy R5 (RXLVX)-3.34%8.25%14.56%9.68%$103.71.20%
Manning & Napier Target 2040 I (MTTIX)-3.16%11.94%18.02%11.34%$131.10.87%

Target Date 2041-2045

Top 103-month return1-year return3-year return5-year returnNet assets ($M)Expense ratio*
Putnam RetirementReady 2045 A (PRVLX)-0.57%14.18%18.72%11.66%$20.01.20%
American Funds 2045 Target Date Retire A (AAHTX)-1.13%12.99%18.43%12.18%$1,452.30.76%
American Century One Choice 2045 R6 (ARDOX)-1.15%12.33%N/AN/A$23.90.67%
American Century One Choice 2045 A (AROAX)-1.33%11.59%16.34%11.63%$1,217.21.22%
Vanguard Target Retirement 2045 Inv (VTIVX)-1.48%12.73%17.89%12.14%$14,491.30.18%
JHancock Retirement Choices at 2045 1 (JRVOX)-1.50%11.34%15.54%N/A$503.60.69%
Franklin LifeSmart 2045 Retire Trgt A (FTTAX)-1.52%9.50%14.30%10.68%$58.11.00%
TIAA-CREF Lifecycle Index 2045 Inst (TLXIX)-1.52%12.31%18.21%12.10%$243.20.15%
Fidelity Freedom 2045 (FFFGX)-1.58%10.77%15.96%10.56%$2,911.70.78%
Fidelity Freedom K 2045 (FFKGX)-1.58%10.86%16.13%10.71%$5,426.30.66%
Bottom 5
Harbor Target Retirement 2045 Instl (HACCX)-3.61%8.32%16.86%10.88%$4.10.78%
Nationwide Destination 2045 A (NWNAX)-3.56%9.08%16.69%11.10%$95.10.91%
Manning & Napier Target 2045 I (MTUIX)-3.37%12.27%N/AN/A$6.90.88%
Russell LifePoints 2045 Strategy R1 (RWLRX)-3.27%8.80%15.19%10.26%$13.50.70%
MassMutual RetireSMART 2045 A (MMKAX)-3.17%8.81%17.24%N/A$35.21.25%

As of Sept. 30. N/A= Not available (fund has been in operation for less than the year indicated). In case of a tie, funds are listed in alphabetical order. *Net prospectus Source: Morningstar, Inc.

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