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Education center
Roth or traditional contributions
Which one is right for you? Learn the key differences and how each impacts your tax situation.
Watch video →The impact of a 1% contribution increase
A small change today can mean thousands more at retirement. See how it adds up.
Watch video →How to save $1 million for retirement
Understand exactly how much you need to contribute each month to hit your goal.
Watch video →Rollover options
Changing jobs? Know your options for rolling over your retirement savings without penalties.
Watch video →Age 60–63 catch-up contributions
Near retirement? Take advantage of higher contribution limits available between ages 60 and 63.
Watch video →Beneficiary designations
Make sure the right people receive your account. Keep your designations updated.
Watch video →Plan details
2026 Contribution Limits
$24,500
2026 base employee deferral limit
Employer Match
Discretionary
Determined annually by plan sponsor
Vesting Schedule
6-Year
Graded vesting on employer contributions
Investment lineup
| Fund name | Category | Ticker | Expense ratio |
|---|---|---|---|
| Vanguard Cash Reserves Federal Money Market Fund | Money Market | VMRXX | 0.10% |
| Vanguard Inflation-Protected Securities Fund | Bonds | VAIPX | 0.10% |
| Vanguard High-Yield Corporate Fund | Bonds | VWEAX | 0.13% |
| Vanguard Total International Stock Index Fund | International Stock | VTIAX | 0.12% |
| Vanguard Emerging Markets Stock Index Fund | International Stock | VEMAX | 0.14% |
| Vanguard Small-Cap Index Fund | Domestic Stock | VSMAX | 0.05% |
| Vanguard Mid-Cap Value Index Fund | Domestic Stock | VMVAX | 0.07% |
| Vanguard Tax-Managed Small-Cap Fund | Domestic Stock | VTMSX | 0.09% |
| Target Date Funds | |||
| Vanguard Target Retirement Income Fund | Target Date | VTINX | 0.08% |
| Vanguard Target Retirement 2020 Fund | Target Date | VTWNX | 0.08% |
| Vanguard Target Retirement 2025 Fund | Target Date | VTTVX | 0.08% |
| Vanguard Target Retirement 2030 Fund | Target Date | VTHRX | 0.08% |
| Vanguard Target Retirement 2035 Fund | Target Date | VTTHX | 0.08% |
| Vanguard Target Retirement 2040 Fund | Target Date | VFORX | 0.08% |
| Vanguard Target Retirement 2045 Fund | Target Date | VTIVX | 0.08% |
| Vanguard Target Retirement 2050 Fund | Target Date | VFIFX | 0.08% |
| Vanguard Target Retirement 2055 Fund | Target Date | VFFVX | 0.08% |
| Vanguard Target Retirement 2060 Fund | Target Date | VTTSX | 0.08% |
| Vanguard Target Retirement 2065 Fund | Target Date | VLXVX | 0.08% |
Expense ratios as of March 31, 2026. Past performance is not a guarantee of future results.
Download fund fact sheets (PDF)Contribution calculator
How much will you have at retirement?
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Estimated balance at age 65
$0
Based on your inputs
This calculator provides estimates for educational purposes only. Actual results will vary. Consult your financial advisor for personalized guidance.
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