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10 Best Vanguard Funds for Retirees in 2025

Choosing the right Vanguard funds for retirement requires careful consideration of factors such as risk tolerance, income needs, and investment horizon. Vanguard offers a range of funds that cater to retirees, from conservative income-focused options to more growth-oriented portfolios. Below is a detailed breakdown of the 10 best Vanguard funds for retirees in 2025, along with their key features and benefits.

1. Vanguard Target Retirement Income Fund (VTINX)

This fund is designed for retirees who seek a conservative mix of income and capital preservation. It invests in a diversified portfolio of stocks and bonds, with a focus on minimizing risk. The fund automatically adjusts its asset allocation to become more conservative over time, making it ideal for retirees.

2. Vanguard Wellesley Income Fund (VWINX)

A balanced fund with a history of steady performance, VWINX focuses on income generation through a mix of high-quality bonds and dividend-paying stocks. Its low expense ratio and consistent returns make it a favorite among retirees.

3. Vanguard Dividend Appreciation Index Fund (VDADX)

This fund tracks companies with a history of increasing dividends, providing retirees with a reliable income stream. It offers exposure to high-quality U.S. stocks with lower volatility compared to the broader market.

4. Vanguard Total Bond Market Index Fund (VBTLX)

A core bond fund, VBTLX provides broad exposure to the U.S. bond market. It is a low-risk option for retirees seeking stable income and capital preservation.

5. Vanguard Balanced Index Fund (VBIAX)

This fund offers a 60/40 split between stocks and bonds, providing a balanced approach for retirees who want growth and income. Its low costs and passive management style make it an attractive choice.

6. Vanguard High Dividend Yield Index Fund (VHYAX)

Focused on high-dividend-paying stocks, VHYAX is ideal for retirees looking for higher income. The fund invests in large-cap U.S. companies with strong dividend histories.

7. Vanguard Short-Term Investment-Grade Fund (VFSUX)

For retirees concerned about interest rate risk, VFSUX invests in short-term, high-quality bonds. It offers stability and modest income with lower volatility.

8. Vanguard Real Estate Index Fund (VGSLX)

This fund provides exposure to the real estate sector through REITs, offering diversification and potential for income and growth. It is suitable for retirees willing to take on moderate risk.

9. Vanguard LifeStrategy Conservative Growth Fund (VSCGX)

A fund-of-funds approach, VSCGX combines multiple Vanguard index funds to create a conservative portfolio. It is designed for retirees who prefer a hands-off investment strategy.

10. Vanguard Inflation-Protected Securities Fund (VAIPX)

This fund invests in Treasury Inflation-Protected Securities (TIPS), protecting retirees from inflation risk. It provides a hedge against rising prices while offering steady income.

Comparison Table: Key Features of the 10 Best Vanguard Funds for Retirees

Fund Name	Ticker	Expense Ratio	Primary Objective
Vanguard Target Retirement Income Fund	VTINX	0.12%	Income & Capital Preservation
Vanguard Wellesley Income Fund	VWINX	0.23%	Income & Moderate Growth
Vanguard Dividend Appreciation Index Fund	VDADX	0.08%	Dividend Growth
Vanguard Total Bond Market Index Fund	VBTLX	0.05%	Stable Income
Vanguard Balanced Index Fund	VBIAX	0.07%	Balanced Growth & Income
Vanguard High Dividend Yield Index Fund	VHYAX	0.08%	High Income
Vanguard Short-Term Investment-Grade Fund	VFSUX	0.10%	Short-Term Stability
Vanguard Real Estate Index Fund	VGSLX	0.12%	Real Estate Exposure
Vanguard LifeStrategy Conservative Growth Fund	VSCGX	0.12%	Conservative Growth
Vanguard Inflation-Protected Securities Fund	VAIPX	0.10%	Inflation Protection

For more information, visit Vanguard’s official website or consult a financial advisor to tailor these options to your specific retirement needs.

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