Asset Allocation Glide Path Target-Date 2027 Calculator

Calculate target-date fund glide path 2027 — stock/bond allocation by age. Vanguard 'to retirement' vs 'through retirement' approach.

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Glide Path Defined

Asset allocation shifts from aggressive (young) to conservative (old). Smooth transition over decades. Target-date funds automate this.

To vs Through Retirement

TO: lowest stock at retirement (more conservative). THROUGH: keeps stock allocation moderate past retirement (more aggressive). Through = longer life expectancy assumption.

Common Glide Paths

Age 30: 90/10. Age 50: 70/30. Age 65: 50/50 (to) OR 60/40 (through). Age 80: 30/70 (to) OR 40/60 (through).

Rebalancing Frequency

Annually sufficient. More often (quarterly) = more trading, similar outcome. Target-date funds do automatically.

Source: vanguard.com target-date fund methodology, blackrock.com lifepath glide path. Last updated: May 2026.