VTTVX’s worst drop since 2003 was 46%
Vanguard Target Retirement 2025 (VTTVX) fell 46% from Oct 2007 to Mar 2009. It took 3.4 years from that peak to close at a new high, in Apr 2011. Over the same years the S&P 500 fell as much as 55%.
That drop ranks 52nd deepest among the 109 mutual funds PortfolioAutopsy tracks.
Drawdown from the last high, 2003 to now
How VTTVX held up in each crash
| Crash | Years | VTTVX | S&P 500 |
|---|---|---|---|
| Dot-com bust | 2000–02 | not trading yet | −47.5% |
| Financial crisis | 2007–09 | −46.0% | −55.2% |
| COVID crash | 2020 | −22.5% | −33.7% |
| 2022 rate shock | 2022 | −21.0% | −24.5% |
Each number is the deepest fall from a high inside that window, using daily prices with dividends reinvested.
See how VTTVX behaves inside your whole mix, with the worst 12 months, loss odds and crash replays. Free, no signup, and the math runs in your browser.
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What was VTTVX’s maximum drawdown?
VTTVX’s deepest fall since 2003 was 46.0%, from its high on October 31, 2007 to its low on March 9, 2009. The figure uses daily prices with dividends reinvested.
How long did VTTVX take to recover?
3.4 years. VTTVX first closed above its Oct 2007 high again on April 1, 2011.
Was VTTVX riskier than the S&P 500?
Over the same years, VTTVX’s worst drop was 46.0% against 55.2% for the S&P 500 (SPY), and its worst 12 months were −39.3% against −47.4%.
Compare with
Daily adjusted closes from Yahoo Finance, October 28, 2003 through October 13, 2026, dividends reinvested. Historical facts, not a forecast and not investment advice.