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.
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.
Frequently Asked Questions
Is target-date fund worth fees?
Vanguard target-date 0.08% — excellent. Active firms 0.5%+ — expensive. Cheap target-date often better than DIY portfolio.
What if I'll work past 65?
Pick target-date matching your actual retirement year. Working to 70 = use 2032+ fund (vs 2027 if retiring at 65).
International % what?
Standard 30-40% of stocks international. Vanguard 40%. Some 0% (US only). 30% reasonable middle.