-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, JZtV0f4n3qPFdgNHqNxt07mMgg5l+kBEgyR2Pusm2H1CQP7VP2QsgtbXB/OteU3Q 49HYwMMd8RDObrx7LAT/fw== 0000932471-10-003399.txt : 20101126 0000932471-10-003399.hdr.sgml : 20101125 20101126083735 ACCESSION NUMBER: 0000932471-10-003399 CONFORMED SUBMISSION TYPE: N-CSR PUBLIC DOCUMENT COUNT: 57 CONFORMED PERIOD OF REPORT: 20100930 FILED AS OF DATE: 20101126 DATE AS OF CHANGE: 20101126 EFFECTIVENESS DATE: 20101126 FILER: COMPANY DATA: COMPANY CONFORMED NAME: VANGUARD CHESTER FUNDS CENTRAL INDEX KEY: 0000752177 IRS NUMBER: 232311358 FISCAL YEAR END: 0831 FILING VALUES: FORM TYPE: N-CSR SEC ACT: 1940 Act SEC FILE NUMBER: 811-04098 FILM NUMBER: 101216278 BUSINESS ADDRESS: STREET 1: PO BOX 2600 VM #V34 CITY: VALLEY FORGE STATE: PA ZIP: 19482 BUSINESS PHONE: 6106696289 MAIL ADDRESS: STREET 1: P.O. BOX 2600 CITY: VALLEY FORGE STATE: PA ZIP: 19482 FORMER COMPANY: FORMER CONFORMED NAME: VANGUARD PRIMECAP FUND/ DATE OF NAME CHANGE: 20011121 FORMER COMPANY: FORMER CONFORMED NAME: VANGUARD/PRIMECAP FUND INC DATE OF NAME CHANGE: 19940608 FORMER COMPANY: FORMER CONFORMED NAME: PRIMECAP FUND INC DATE OF NAME CHANGE: 19920703 0000752177 S000002568 Vanguard PRIMECAP Fund C000007070 Investor Shares VPMCX C000007071 Admiral Shares VPMAX 0000752177 S000002569 Vanguard Target Retirement Income Fund C000007072 Investor Shares VTINX 0000752177 S000002570 Vanguard Target Retirement 2005 Fund C000007073 Investor Shares VTOVX 0000752177 S000002571 Vanguard Target Retirement 2015 Fund C000007074 Investor Shares VTXVX 0000752177 S000002572 Vanguard Target Retirement 2025 Fund C000007075 Investor Shares VTTVX 0000752177 S000002573 Vanguard Target Retirement 2035 Fund C000007076 Investor Shares VTTHX 0000752177 S000002574 Vanguard Target Retirement 2045 Fund C000007077 Investor Shares VTIVX 0000752177 S000012758 Vanguard Target Retirement 2010 Fund C000034437 Investor Shares VTENX 0000752177 S000012759 Vanguard Target Retirement 2020 Fund C000034438 Investor Shares VTWNX 0000752177 S000012760 Vanguard Target Retirement 2030 Fund C000034439 Investor Shares VTHRX 0000752177 S000012761 Vanguard Target Retirement 2040 Fund C000034440 Investor Shares VFORX 0000752177 S000012762 Vanguard Target Retirement 2050 Fund C000034441 Investor Shares VFIFX 0000752177 S000029700 Vanguard Target Retirement 2055 Fund C000091317 Investor Shares VFFVX N-CSR 1 chesterfunds_final.htm VANGUARD CHESTER FUNDS chesterfunds_final.htm - Generated by SEC Publisher for SEC Filing

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM N-CSR

CERTIFIED SHAREHOLDER REPORT
OF
REGISTERED MANAGEMENT INVESTMENT COMPANIES

Investment Company Act file number: 811-4098

Name of Registrant: Vanguard Chester Funds

Address of Registrant:
P.O. Box 2600
Valley Forge, PA 19482

Name and address of agent for service:
Heidi Stam, Esquire
P.O. Box 876
Valley Forge, PA 19482

Registrant’s telephone number, including area code: (610) 669-1000

Date of fiscal year end: September 30

Date of reporting period: October 1, 2009 – September 30, 2010

Item 1: Reports to Shareholders


 

Vanguard PRIMECAP Fund
Annual Report
September 30, 2010

 

> Vanguard PRIMECAP Fund posted a solid return of about 10% for the 2010 fiscal year, just ahead of the return of the benchmark Standard & Poor’s 500 Index but behind the average return of peer funds.

> The fund’s industrial and consumer discretionary holdings were standout performers, but information technology and health care—the fund’s two largest sectors—were relative disappointments.

> The fund retained its significant performance lead over its comparative standards for the decade ended September 30, 2010.

Contents  
Your Fund’s Total Returns. 1
Chairman’s Letter. 2
Advisor’s Report. 7
Fund Profile. 12
Performance Summary. 13
Financial Statements. 15
Your Fund’s After-Tax Returns. 27
About Your Fund’s Expenses. 28
Trustees Approve Advisory Agreement. 30
Glossary. 31

Please note: The opinions expressed in this report are just that—informed opinions. They should not be considered promises or advice.
Also, please keep in mind that the information and opinions cover the period through the date on the front of this report. Of course, the risks of investing in your fund are spelled out in the prospectus.
See the Glossary for definitions of investment terms used in this report.

Cover photograph: Jean Maher.


Your Fund’s Total Returns

Fiscal Year Ended September 30, 2010

  Total
  Returns
Vanguard PRIMECAP Fund  
Investor Shares 10.36%
Admiral™ Shares 10.46
S&P 500 Index 10.16
Multi-Cap Growth Funds Average 12.25
Multi-Cap Growth Funds Average: Derived from data provided by Lipper Inc.  
Admiral Shares carry lower expenses and are available to investors who meet certain account-balance requirements.  

Your Fund’s Performance at a Glance
September 30, 2009, Through September 30, 2010

      Distributions Per Share
  Starting Ending Income Capital
  Share Price Share Price Dividends Gains
Vanguard PRIMECAP Fund        
Investor Shares $55.10 $60.36 $0.447 $0.000
Admiral Shares 57.20 62.65 0.530 0.000

1

 

Chairman’s Letter

Dear Shareholder,

The 12%-plus gains notched by Vanguard PRIMECAP Fund, and the broad U.S. stock market, during the first half of the fiscal year gave way to modest losses in the second half. For the 12 months ended September 30, 2010, the fund returned 10.36% for Investor Shares (10.46% for Admiral Shares)—still ahead of the return of the benchmark Standard & Poor’s 500 Index but almost 2 percentage points behind the average return of multi-capitalization growth funds.

There are several distinctive aspects to the investment strategy of the fund’s advisor, PRIMECAP Management Company, that can cause the fund’s results to be out of step with those of its benchmark or peers. Perhaps most notable are outsized investments in information technology and health care and a patient, low-turnover style—features that have rewarded the fund’s shareholders over time. In the 2010 fiscal year, some disappointing stocks in these two key sectors held back results, but industrial and consumer discretionary holdings outperformed.

If you hold shares in a taxable account, you may wish to review the table and discussion on after-tax returns for the fiscal year, based on the highest tax bracket, later in this report.

Also, please note that on October 6, after the close of the period, Vanguard broadened the availability of our lower-cost Admiral Shares. We reduced the Admiral minimums on most of our actively

2


managed funds to $50,000 from $100,000, as part of our ongoing efforts to lower the cost of investing for our clients.

An upbeat end to a worrisome 12 months
Although global stock markets traced a ragged trajectory, they ultimately gained ground for the 12 months ended September 30. Europe’s sovereign debt crisis and a dispiriting lack of vigor in the U.S. economy weighed on stock prices through the spring and summer. In September, however, investor sentiment perked up, buoyed by continued signs of strength in corporate financial statements. The broad U.S. stock market rallied to close the 12-month period with a return of more than 11%. Small-capitalization stocks finished a few steps ahead of their large-cap counterparts.

International stock markets were a mixed bag: middling returns in Europe, stagnation in the Pacific region’s developed markets, and a return of more than 20% from emerging markets. The combined result, as measured by the MSCI All Country World Index ex USA, was a 12-month return of 8%.

Bond prices rallied, driving yields to surprising lows
Bonds produced strong 12-month returns, a gratifying performance that nevertheless raises questions about the prospects for total returns in a fixed income market where yields hover near all-time lows. At the start of the period, the 10-year U.S. Treasury note yielded 3.31%; at the end of the period, the figure was 2.51% as investors bid up bond prices. As yields move lower, of course, the scope for

Market Barometer      
 
    Average Annual Total Returns
    Periods Ended September 30, 2010
  One Three Five
  Year Years Years
Stocks      
Russell 1000 Index (Large-caps) 10.75% -6.79% 0.86%
Russell 2000 Index (Small-caps) 13.35 -4.29 1.60
Dow Jones U.S. Total Stock Market Index 11.51 -6.12 1.37
MSCI All Country World Index ex USA (International) 8.00 -6.98 4.72
 
Bonds      
Barclays Capital U.S. Aggregate Bond Index (Broad      
taxable market) 8.16% 7.42% 6.20%
Barclays Capital Municipal Bond Index (Broad      
tax-exempt market) 5.81 6.04 5.13
Citigroup Three-Month U.S. Treasury Bill Index 0.12 1.01 2.47
 
CPI      
Consumer Price Index 1.14% 1.57% 1.90%

3


continued declines—and the attendant rise in prices—diminishes. Corporate bonds performed best for the 12 months. Municipal bonds delivered solid, but more modest, returns.

As has been the case for almost two years now, the yields of money market securities remained near 0%, a consequence of the Federal Reserve Board’s efforts to stimulate the economy by keeping a tight lid on borrowing costs.

Consistent themes produced some inconsistent results
The key investment themes that have framed the advisor’s strategy in recent years have remained unchanged: strong conviction in the exceptional long-term growth prospects for technology and health care stocks and wariness about the financial sector. Even though the fund performed well this year, some of the holdings selected to capitalize on those themes were unable to do so. As a result, although information technology and health care stocks represented more than half of the portfolio’s market value, on average, they generally took a back seat as smaller sectors drove fund performance.

Industrial and consumer discretionary stocks benefited from a U.S. economy that was slowly on the mend. Together, these two sectors represented only about one-quarter of the fund’s market value, on average, but with gains of more than 25% each they accounted for well over half of the fund’s total return for the year. Among the best industrial contributors were air

Expense Ratios      
Your Fund Compared With Its Peer Group      
  Investor Admiral Peer Group
  Shares Shares Average
PRIMECAP Fund 0.49% 0.37% 1.40%
The fund expense ratios shown are from the prospectus dated January 26, 2010, and represent estimated costs for the current fiscal year. For the fiscal year ended September 30, 2010, the fund’s expense ratios were 0.45% for Investor Shares and 0.36% for Admiral Shares. The peer-group expense ratio is derived from data provided by Lipper Inc. and captures information through year-end 2009.

Peer group: Multi-Cap Growth Funds.

4


freight and logistics companies—including top-ten holding FedEx—as well as heavy machinery makers and Southwest Airlines. Rising consumer confidence lifted a broad cross section of companies, including top-ten holding DIRECTV.

The fund’s IT holdings generated mixed results, netting a high single-digit return for the fiscal year. The fortunes of software companies diverged notably. Top-ten holdings Oracle and Intuit, boosted by strong double-digit gains, each added about a percentage point to the fund’s total return, but Adobe Systems and Microsoft lost ground.

In health care, the fund earned an anemic return of less than 1% for reasons that seemed to have little to do with the eventual passage of health care reform legislation. Pharmaceutical giants Eli Lilly and Novartis, both top-ten holdings, notched double-digit gains while Roche Holding finished in the red. A similar dichotomy existed among biotech holdings: Amgen, the fund’s largest holding, lost ground while Biogen Idec advanced.

The apparent similarity between the fund’s return and that of the S&P 500 Index benchmark masked several substantial variations. While the index’s financial stocks declined, for example, the fund’s small stake in insurance companies delivered solid gains. Potash Corp. of Saskatchewan—a fertilizer maker, and takeover target, that is not included in the all-U.S. benchmark—was another big plus

Total Returns
Ten Years Ended September 30, 2010

  Average
  Annual Return
PRIMECAP Fund Investor Shares 2.20%
S&P 500 Index -0.43
Multi-Cap Growth Funds Average -3.76
Multi-Cap Growth Funds Average: Derived from data provided by Lipper Inc.  
The figures shown represent past performance, which is not a guarantee of future results. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost.

5


for the fund. Nevertheless, these advantages were almost offset by weakness among the fund’s IT and health care holdings.

For more on the advisor’s strategy and outlook, please see the Advisor’s Report following this letter.

Ten-year performance remained out in front
For more than a quarter-century, share- holders have been well served by the advisor’s research-intensive, bottom-up approach to seeking reasonably priced companies that appear to have superior growth prospects. When PRIMECAP identifies such companies, it often invests wholeheartedly. For example, as of September 30, the fund’s ten largest holdings represented more than one- third of the portfolio’s assets, a level consistent with recent years but one that can magnify the impact of ups and downs in those holdings.

The decade ended September 30, 2010, was a challenging one that included two bear markets—the first characterized by the bursting of the technology bubble, and the second associated with the “Great Recession.” In this environment, the fund’s modest average annual return of about 2% placed it squarely ahead of the losses sustained by its comparative standards. And relatively low costs have helped shareholders keep more of the fund’s returns.

A patient approach can reap rewards
The up-and-down path of the U.S. stock market over the past 12 months was not unlike historical patterns of market returns from year to year. Also, over time, growth and value stocks have often traded places in the performance rankings, as have large- and small-cap stocks. Because we can’t predict such twists and turns, it helps to diversify your holdings among and within stocks, bonds, and money market funds, in proportions that are consistent with your risk tolerance and time horizon.

Vanguard PRIMECAP Fund can play an important role in such a balanced portfolio. The advisor’s patient and disciplined approach—more like the proverbial tortoise than the hare—can help you stay the course and reach your investment goals.

Thank you for entrusting your assets to Vanguard.

Sincerely,


F. William McNabb III
Chairman and Chief Executive Officer
October 11, 2010

6


Advisor’s Report

For the fiscal year ended September 30, 2010, Vanguard PRIMECAP Fund returned 10.36% for Investor Shares and 10.46% for Admiral Shares, slightly outpacing the 10.16% return of the unmanaged Standard & Poor’s 500 Index benchmark but trailing the 12.25% average return of multi-capitalization growth fund competitors. The fund’s holdings in industrial and consumer discretionary stocks were the most significant contributors to returns over the past fiscal year, while holdings in information technology and health care, the fund’s two largest sectors, detracted from the year’s results.

Investment environment
In a year characterized by considerable volatility in equity markets, the S&P 500 managed to gain slightly over 10%, largely on the strength of a rally in September 2010. Taking a longer perspective, the S&P 500 ended the fiscal year approximately 70% higher than its March 2009 low, but remains more than 25% below the peak levels reached in October 2007.

The National Bureau of Economic Research recently determined that the recession, which began in late 2007, officially ended in June 2009. However, growth in the U.S. economy continues to be modest, unemployment hovers near 10%, and housing markets remain weak. Uncertainty regarding the future course of tax rates, regulatory reforms, monetary and fiscal policies, and the overall fragility of the economic recovery cloud the investment outlook.

Although stock prices have risen dramatically over the past 18 months, valuations appear attractive, especially given the low interest rate environment. Corporate earnings have also improved as business activity has rebounded, allowing many companies to improve their balance sheets during this period. We have found compelling purchase opportunities over the past year in companies with strong growth prospects, solid balance sheets, and attractive valuations.

Management of the fund
Our investment philosophy and process have not changed. We rely on fundamental, in-depth research to find companies whose revenue and earnings will, in our opinion, grow more rapidly over a three-to-five-year horizon than current valuations might suggest. In doing so, we focus on assessing the fundamental value of a company relative to the market price of its stock.

This bottom-up, stock-by-stock investment strategy has led us to build and maintain significant investments in technology and health care companies that we believe offer superior appreciation potential. The following discussion focuses on these two sectors, which on average represented more than half of the fund’s market value (but less than one-third of the benchmark’s) during the fiscal year.

Technology
The fund’s information technology holdings, representing almost one-third of the fund’s market value, returned about

7


8% in the fiscal year but lagged the approximately 11% return of the technology sector in the S&P 500. While the past 12 months have been a challenging period for some of the fund’s holdings, we believe that technology remains an attractive investment area for several reasons. First, internet usage continues to grow, driven by social networking, e-commerce, and the emergence of new devices such as smartphones and tablet computers. Second, demand for semiconductors, computer hardware, and storage remains robust as consumers and enterprises generate ever greater amounts of data, photos, and videos. Third, emerging middle-class consumers in developing economies represent a vast new audience for technology products and services. Finally, technology companies have strong balance sheets with cash at record levels and reasonable stock valuations.

Adobe Systems and NVIDIA were two notable detractors from the fund’s performance. Adobe’s stock suffered from concerns regarding the future of its Flash technology. However, the technology remains popular and is used on 85 of the top 100 websites. Adobe remains well-positioned to benefit from the growth of the internet. Its Photoshop and Dreamweaver software products are the industry standards for the manipulation of images and the creation of websites, respectively. It is also the leading provider of document management software with its nearly ubiquitous PDF format. NVIDIA declined following the disappointing launch of its Tegra smartphone chip. Looking ahead, Fermi chips for discrete graphics, Tesla for supercomputing, and Tegra 2 for mobile internet devices are all promising new products.

On a positive note, Oracle and Intuit, both top-ten holdings, were significant contributors to the fund’s results, posting gains of 30% and more than 50%, respectively. In January, Oracle completed its acquisition of Sun Microsystems (whose products include computer servers and storage), giving the combined company an expanded presence in enterprise data centers. The company paid its first dividend in 2009; we believe it is reasonable to expect the company to increase dividends over time, given its strong cash generation and considerable cash reserves. Intuit successfully raised prices for both its TurboTax consumer and QuickBooks small-business software products. The company is also expanding into medical-payments processing and online banking software.

Overall, we remain optimistic about the fund’s overweight position in the technology sector. These well-capitalized companies are highly profitable and continue to invest in innovation that should drive future growth and profitability as they expand into new markets for their products and services.

Health care
The fund’s health care stocks returned less than 1% for the fiscal year, lagging the S&P 500 health care sector, which in turn

8


lagged the overall S&P 500. The sector has been challenged with unfavorable news this year. The Patient Protection and Affordable Care Act passed in March will lead to various forms of pricing pressure for the sector. The weak economy and high unemployment have emboldened employers to require more of their employees in terms of co-pays and sharing premiums for health care plans, thereby reducing demand for some health care products. European austerity measures have also hurt health care companies selling products in that region.

Despite these negatives, we remain optimistic about our health care holdings, which are concentrated in the biotech-nology, pharmaceutical, and medical device industries. The fund’s largest holding is Amgen. This biotechnology company recently received Food and Drug Administration (FDA) approval to market Prolia for the treatment of osteoporosis in post-menopausal women. Prolia is also awaiting an FDA decision on its use in treating skeletal-related events and may be considered for a third indication—to prevent bone metastases in cases of prostate cancer. We don’t believe Amgen’s below-market valuation reflects the potential of Prolia and other Amgen pipeline drugs to meet the tremendous demand from patients.

Pharmaceuticals makers Novartis and Eli Lilly, two of the fund’s largest holdings, showed double-digit gains for the year. Novartis has one of the most productive research and development platforms in the industry, with more products approved by the FDA than any other pharmaceutical company over the last decade. Novartis has also broadened its portfolio into areas with strong growth prospects, such as personal care products, vaccines, and eye care—the last of these through its purchase of Alcon. Eli Lilly has not been as successful as Novartis in developing and launching new drugs. Its recent launch of the blood thinner Effient has been disappointing. Concerns over patent expirations, especially for blockbusters Zyprexa and Cymbalta, weigh on the stock. Our thesis for Eli Lilly remains pinned on its low valuation and commitment to research and development; it has 30 products in late-stage clinical trials (phase two o r three) or under regulatory review. Both Novartis and Eli Lilly are increasingly investing in biologic therapies, which should provide longer exclusivity periods than easy-to-copy, small-molecule therapies.

We remain optimistic that the fund’s overweight position in this sector will help results going forward. The pricing concerns raised by the recently passed health care legislation should be offset, in part, by the 30 million currently uninsured who will gain coverage as a result. We believe that pharmaceutical and medical device products currently in development will represent a far more efficient way, both in terms of cost and efficacy, to treat diseases like Alzheimer’s, diabetes, and cancer than the alternatives available today. Within the United States, baby boomers, the first of whom turn 65 next year, will provide two decades of increased

9


demand for health care products. Outside the United States, there is an even larger opportunity in the emerging markets, where people want better health care products as a critical component of a higher standard of living.

Other sector highlights
As a group, industrial and consumer discretionary stocks were the year’s best sectors in both the fund and the S&P 500. Stock selection and the fund’s slightly overweight positions helped its relative results. FedEx, Caterpillar, and Southwest Airlines were strong contributors; we believe that Southwest’s recently announced plan to acquire AirTran will prove to be a good strategic decision. Among consumer discretionary companies, some of the biggest contributors to results were DIRECTV, Amazon.com, and TJX Cos.

Given our long-standing concerns about leverage and lack of transparency in the banking sector, we generally remain negatively disposed toward financial stocks. The fund has only a modest stake in the sector, primarily in insurance companies, but its holdings fared well, in contrast to the financial sector’s decline in the S&P 500. In the materials sector, the fund’s holdings had mixed results. Monsanto struggled because of reports that its latest generation of seeds failed to produce expected yield gains. Conversely, Potash Corp. of Saskatchewan added more than a full percentage point to the fund’s return. In our view, the outlook for both Monsanto and Potash Corp. of Saskatchewan is very promising.

Outlook
Looking ahead to the 2011 fiscal year and beyond, we view the prospects for equity returns relative to most other asset classes as encouraging. With the earnings yield (a measure of valuation) on stocks approaching 8% versus less than 3% for a 10-year Treasury bond and less than 1% for a money market fund, we believe that stocks have significant potential for appreciation and that valuations are attractive. However, while we are on balance optimistic, our outlook is tempered by several macro-level concerns.

We are concerned that the current fiscal and monetary policies in the United States may ultimately lead to a rise in inflation and a weaker U.S. dollar—which recently touched a 15-year low against the Japanese yen and has weakened against the euro. Increased regulations and other government intervention into the private sector are even more troubling, as they distort economic incentives. We believe that market forces result in a more efficient allocation of resources than government programs.

Longer-term, the recent problems in Greece and other European countries demonstrate the challenge of sustaining fiscal policies that increase government spending more rapidly than the growth rate of the broader economy. The United States faces a similar challenge not only at the

10


federal level but also at the state and local government levels—where spending needs and future obligations are increasing faster than tax revenues.

Despite these concerns, we hold a generally positive outlook for U.S. equities. In addition to attractive valuations, we would highlight three factors. First, many U.S. corporations today generate a meaningful and increasing portion of their revenues and earnings from outside the United States. The opportunities for growth globally, particularly in developing economies, will result in many corporations increasing earnings more rapidly than the rate of economic growth in the United States. Second, we believe the pace of innovation in U.S. companies continues to accelerate. We expect that the substantial investments in research and development, particularly by health care and technology companies, will lead to new and unforeseen growth opportunities that are not reflected in current expectations. Finally, the balance sheets of corporate America are as strong and liquid as they have ever been. This will afford companies great fin ancial flexibility during challenging economic times.

PRIMECAP Management Company
October 20, 2010

11


PRIMECAP Fund

Fund Profile
As of September 30, 2010

Share-Class Characteristics    
  Investor   Admiral
  Shares   Shares
Ticker Symbol VPMCX   VPMAX
Expense Ratio1 0.49%   0.37%
30-Day SEC Yield 0.72%   0.76%
 
Portfolio Characteristics    
      DJ
      U.S. Total
  S&P 500 Market
  Fund Index Index
Number of Stocks 112 500 3,920
Median Market Cap $35.1B $42.1B $27.3B
Price/Earnings Ratio 16.5x 15.9x 17.1x
Price/Book Ratio 2.7x 2.1x 2.1x
Return on Equity 20.5% 20.5% 19.1%
Earnings Growth Rate 9.8% 6.2% 6.4%
Dividend Yield 1.4% 2.0% 1.8%
Foreign Holdings 13.8% 0.0% 0.0%
Turnover Rate 5% — —
Short-Term Reserves 1.6% — —
 
Sector Diversification (% of equity exposure)
      DJ
      U.S. Total
  S&P 500 Market
  Fund Index Index
Consumer      
Discretionary 12.8% 10.4% 11.7%
Consumer Staples 1.1 11.3 10.1
Energy 7.6 10.9 9.7
Financials 3.9 15.7 16.6
Health Care 21.7 11.7 11.2
Industrials 15.2 10.8 11.1
Information      
Technology 30.4 18.8 19.0
Materials 7.0 3.5 4.2
Telecommunication      
Services 0.2 3.2 2.9
Utilities 0.1 3.7 3.5

Volatility Measures    
    DJ
  U.S. Total
  S&P 500 Market
  Index Index
R-Squared 0.95 0.96
Beta 0.98 0.95
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.
 
 
Ten Largest Holdings (% of total net assets)
Amgen Inc. Biotechnology 4.5%
FedEx Corp. Air Freight &  
  Logistics 4.0
Eli Lilly & Co. Pharmaceuticals 3.7
Potash Corp. of Fertilizers &  
Saskatchewan Inc. Agricultural  
  Chemicals 3.6
Novartis AG ADR Pharmaceuticals 3.5
Oracle Corp. Systems Software 3.5
Google Inc. Class A Internet Software &  
  Services 3.4
DIRECTV Class A Cable & Satellite 3.3
Texas Instruments Inc. Semiconductors 3.2
Intuit Inc. Application  
  Software 2.7
Top Ten   35.4%
The holdings listed exclude any temporary cash investments and equity index products.

Investment Focus


1 The expense ratios shown are from the prospectus dated January 26, 2010, and represent estimated costs for the current fiscal year. For the fiscal year ended September 30, 2010, the expense ratios were 0.45% for Investor Shares and 0.36% for Admiral Shares.

12


PRIMECAP Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: September 30, 2000, Through September 30, 2010
Initial Investment of $25,000


 
  Average Annual Total Returns  
  Periods Ended September 30, 2010  
        Final Value
  One Five Ten of a $25,000
  Year Years Years Investment
PRIMECAP Fund Investor Shares 10.36% 3.81% 2.20% $31,086
Dow Jones U.S. Total Stock Market        
Index 11.51 1.37 0.41 26,053
S&P 500 Index 10.16 0.64 -0.43 23,942
Multi-Cap Growth Funds Average 12.25 1.06 -3.76 17,046
Multi-Cap Growth Funds Average: Derived from data provided by Lipper Inc.
 
      Since Final Value
  One Five Inception of a $50,000
  Year Years (11/12/2001) Investment
PRIMECAP Fund Admiral Shares 10.46% 3.93% 6.01% $83,936
Dow Jones U.S. Total Stock Market        
Index 11.51 1.37 3.53 68,032
S&P 500 Index 10.16 0.64 2.20 60,647
"Since Inception" performance is calculated from the Admiral Shares’ inception date for both the fund and its comparative standards.

Vanguard fund returns do not reflect the 1% fee on redemptions of shares held for less than one year.
See Financial Highlights for dividend and capital gains information.

13


PRIMECAP Fund

Fiscal-Year Total Returns (%): September 30, 2000, Through September 30, 2010


Vanguard fund returns do not reflect the 1% fee on redemptions of shares held for less than one year.

14


PRIMECAP Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

      Market
      Value
    Shares ($000)
Common Stocks (98.7%)    
Consumer Discretionary (12.6%)  
* DIRECTV Class A 21,771,607 906,352
1 Whirlpool Corp. 5,900,000 477,664
* Amazon.com Inc. 2,446,000 384,169
^ Sony Corp. ADR 9,950,000 307,654
* Kohl’s Corp. 5,172,400 272,482
  TJX Cos. Inc. 5,920,000 264,210
  Target Corp. 4,519,000 241,495
  Walt Disney Co. 5,635,000 186,575
* Bed Bath & Beyond Inc. 3,650,975 158,489
  Mattel Inc. 4,247,800 99,653
  Best Buy Co. Inc. 1,575,000 64,307
  Lowe’s Cos. Inc. 2,450,000 54,611
  Carnival Corp. 1,358,000 51,889
*,^ Eastman Kodak Co. 9,000,000 37,800
      3,507,350
Consumer Staples (1.0%)    
  Costco Wholesale Corp. 3,800,000 245,062
  Procter & Gamble Co. 510,000 30,585
  Kellogg Co. 278,000 14,042
  PepsiCo Inc. 44,000 2,923
  Avon Products Inc. 61,500 1,975
      294,587
Energy (7.5%)    
  Noble Energy Inc. 6,300,000 473,067
  EOG Resources Inc. 3,816,000 354,773
  Schlumberger Ltd. 5,193,500 319,972
  Peabody Energy Corp. 5,837,100 286,076
  Hess Corp. 3,749,964 221,698
* Plains Exploration &    
  Production Co. 4,000,000 106,680
  Cenovus Energy Inc. 2,275,000 65,452
  Encana Corp. 1,885,000 56,984
  ConocoPhillips 900,000 51,687
  National Oilwell Varco Inc. 1,038,000 46,160
  Petroleo Brasileiro SA    
  ADR Type A 1,100,000 36,102

      Market
      Value
    Shares ($000)
  Petroleo Brasileiro SA ADR  697,830 25,310
* Transocean Ltd. 250,000 16,072
* Southwestern Energy Co. 400,000 13,376
  Noble Corp. 200,000 6,758
      2,080,167
Financials (3.8%)    
  Marsh &    
  McLennan Cos. Inc. 17,500,000 422,100
* Berkshire Hathaway Inc.    
  Class B 2,500,000 206,700
  Discover Financial    
  Services 10,140,800 169,149
  Chubb Corp. 2,550,000 145,324
  Bank of New York    
  Mellon Corp. 1,900,000 49,647
  Progressive Corp. 1,500,000 31,305
  Aflac Inc. 400,000 20,684
  Wells Fargo & Co. 600,000 15,078
      1,059,987
Health Care (21.5%)    
* Amgen Inc. 22,670,000 1,249,344
  Eli Lilly & Co. 27,908,000 1,019,479
  Novartis AG ADR 16,939,765 976,916
  Roche Holding AG 5,340,400 729,670
  Medtronic Inc. 21,681,652 728,070
*,1 Biogen Idec Inc. 12,550,400 704,329
* Boston Scientific Corp. 32,366,760 198,408
* Life Technologies Corp. 3,226,000 150,622
  GlaxoSmithKline    
  PLC ADR 3,410,000 134,763
  Johnson & Johnson 1,100,000 68,156
  Sanofi-Aventis SA ADR 165,000 5,486
      5,965,243
Industrials (15.1%)    
  FedEx Corp. 12,992,470 1,110,856
  CH Robinson    
  Worldwide Inc. 8,166,000 570,967
  Southwest Airlines Co. 34,521,300 451,193

15


PRIMECAP Fund

      Market
      Value
    Shares ($000)
  Caterpillar Inc. 4,695,800 369,466
  Honeywell    
  International Inc. 8,354,500 367,097
  United Parcel Service Inc.    
  Class B 3,520,000 234,749
  Boeing Co. 3,140,000 208,936
  Union Pacific Corp. 2,434,700 199,158
  Deere & Co. 2,438,700 170,172
*,1 Alaska Air Group Inc. 2,410,000 122,982
  Canadian Pacific    
  Railway Ltd. 1,841,800 112,221
* AMR Corp. 15,504,550 97,214
  Donaldson Co. Inc. 1,600,000 75,408
  Expeditors International    
  of Washington Inc. 1,040,000 48,079
  Granite Construction Inc. 1,500,000 34,110
  Pall Corp. 205,000 8,536
  Norfolk Southern Corp. 53,100 3,160
  Rockwell Automation Inc. 25,000 1,543
      4,185,847
Information Technology (30.0%)  
  Oracle Corp. 35,930,800 964,742
* Google Inc. Class A 1,789,300 940,796
  Texas Instruments Inc. 33,216,900 901,507
*,1 Intuit Inc. 17,141,400 750,965
  Microsoft Corp. 28,090,000 687,924
* Adobe Systems Inc. 24,200,000 632,830
  QUALCOMM Inc. 10,208,000 460,585
* EMC Corp. 17,796,800 361,453
  Hewlett-Packard Co. 7,950,000 334,456
  Corning Inc. 16,280,400 297,606
  Telefonaktiebolaget LM    
  Ericsson ADR 26,014,000 285,374
  Intel Corp. 13,900,000 267,297
* Symantec Corp. 12,009,200 182,179
* NVIDIA Corp. 15,300,000 178,704
  Accenture PLC Class A 4,136,200 175,747
* Micron Technology Inc. 20,000,000 144,200
1 Plantronics Inc. 3,701,500 125,037
  Applied Materials Inc. 10,081,200 117,748
* Motorola Inc. 12,870,000 109,781
  KLA-Tencor Corp. 2,955,000 104,105
  ASML Holding NV ADR 3,372,500 100,264
* Rambus Inc. 2,500,000 52,100
* Cisco Systems Inc. 1,640,000 35,916
* eBay Inc. 1,300,000 31,720
  Activision Blizzard Inc. 2,840,000 30,729
* Dell Inc. 1,150,000 14,904
* Yahoo! Inc. 1,000,000 14,170
* Entegris Inc. 2,583,472 12,065
  Altera Corp. 275,000 8,294
* Apple Inc. 25,000 7,094
      8,330,292

    Market
    Value
  Shares ($000)
Materials (6.9%)    
Potash Corp. of    
Saskatchewan Inc. 6,900,000 993,876
Monsanto Co. 10,232,360 490,437
Praxair Inc. 1,850,000 166,981
Weyerhaeuser Co. 5,436,582 85,681
Domtar Corp. 1,023,560 66,101
Vulcan Materials Co. 1,560,000 57,595
Freeport-McMoRan    
Copper & Gold Inc. 600,000 51,234
Alcoa Inc. 1,125,000 13,624
    1,925,529
Telecommunication Services (0.2%)  
* Sprint Nextel Corp. 10,530,000 48,754
 
Utilities (0.1%)    
* AES Corp. 1,922,600 21,821
NextEra Energy Inc. 179,440 9,760
    31,581
Total Common Stocks    
(Cost $20,335,906)   27,429,337
Temporary Cash Investment (1.6%)  
Money Market Fund (1.6%)    
2,3 Vanguard Market    
Liquidity Fund, 0.261%    
(Cost $458,049) 458,049,120 458,049
Total Investments (100.3%)    
(Cost $20,793,955)   27,887,386
Other Assets and Liabilities (-0.3%)  
Other Assets   137,054
Liabilities3   (231,588)
    (94,534)
Net Assets (100%)   27,792,852
 
 
Statement of Assets and Liabilities  
Assets    
Investments in Securities, at Value 27,887,386
Receivables for Investment    
Securities Sold   22,877
Receivables for Capital Shares Issued 94,401
Other Assets   19,776
Total Assets   28,024,440
Liabilities    
Security Lending Collateral Payable  
to Brokers   30,310
Payables for Capital Shares Redeemed 102,582
Other Liabilities   98,696
Total Liabilities   231,588
Net Assets   27,792,852

16


PRIMECAP Fund

At September 30, 2010, net assets consisted of:
  Amount
  ($000)
Paid-in Capital 20,316,689
Undistributed Net Investment Income 185,535
Accumulated Net Realized Gains 196,809
Unrealized Appreciation (Depreciation)  
Investment Securities 7,093,431
Foreign Currencies 388
Net Assets 27,792,852
 
 
Investor Shares—Net Assets  
Applicable to 298,677,260 outstanding  
$.001 par value shares of beneficial  
interest (unlimited authorization) 18,027,862
Net Asset Value Per Share—  
Investor Shares $60.36
 
 
Admiral Shares—Net Assets  
Applicable to 155,863,560 outstanding  
$.001 par value shares of beneficial  
interest (unlimited authorization) 9,764,990
Net Asset Value Per Share—  
Admiral Shares $62.65
See Note A in Notes to Financial Statements.
* Non-income-producing security.
^ Part of security position is on loan to broker-dealers. The total value of securities on loan is $28,164,000.
1 Considered an affiliated company of the fund as the fund owns more than 5% of the outstanding voting securities of such company.
2 Affiliated money market fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown is the 7-day yield.
3 Includes $30,310,000 of collateral received for securities on loan.
ADR—American Depositary Receipt.
See accompanying Notes, which are an integral part of the Financial Statements.

17


PRIMECAP Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Dividends1,2 416,724
Interest2 1,272
Security Lending 1,960
Total Income 419,956
Expenses  
Investment Advisory Fees—Note B 59,697
The Vanguard Group—Note C  
Management and Administrative—Investor Shares 39,327
Management and Administrative—Admiral Shares 12,105
Marketing and Distribution—Investor Shares 3,800
Marketing and Distribution—Admiral Shares 1,891
Custodian Fees 436
Auditing Fees 24
Shareholders’ Reports—Investor Shares 288
Shareholders’ Reports—Admiral Shares 122
Trustees’ Fees and Expenses 50
Total Expenses 117,740
Net Investment Income 302,216
Realized Net Gain (Loss)  
Investment Securities Sold2 666,735
Foreign Currencies (322)
Realized Net Gain (Loss) 666,413
Change in Unrealized Appreciation (Depreciation)  
Investment Securities 1,737,834
Foreign Currencies 410
Change in Unrealized Appreciation (Depreciation) 1,738,244
Net Increase (Decrease) in Net Assets Resulting from Operations 2,706,873
1 Dividends are net of foreign withholding taxes of $11,151,000.
2 Dividend income, interest income, and realized net gain (loss) from affiliated companies of the fund were $10,961,000, $1,272,000, and $197,167,000, respectively.

See accompanying Notes, which are an integral part of the Financial Statements.

18


PRIMECAP Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 302,216 243,037
Realized Net Gain (Loss) 666,413 (440,539)
Change in Unrealized Appreciation (Depreciation) 1,738,244 (1,100,081)
Net Increase (Decrease) in Net Assets Resulting from Operations 2,706,873 (1,297,583)
Distributions    
Net Investment Income    
Investor Shares (142,413) (153,471)
Admiral Shares (84,478) (88,655)
Realized Capital Gain    
Investor Shares — (1,106,324)
Admiral Shares — (550,187)
Total Distributions (226,891) (1,898,637)
Capital Share Transactions    
Investor Shares (1,389,870) 709,425
Admiral Shares (314,209) 619,198
Net Increase (Decrease) from Capital Share Transactions (1,704,079) 1,328,623
Total Increase (Decrease) 775,903 (1,867,597)
Net Assets    
Beginning of Period 27,016,949 28,884,546
End of Period1 27,792,852 27,016,949
1 Net Assets—End of Period includes undistributed net investment income of $185,535,000 and $128,854,000.

See accompanying Notes, which are an integral part of the Financial Statements.

19


PRIMECAP Fund

Financial Highlights

Investor Shares          
 
For a Share Outstanding     Year Ended September 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $55.10 $62.76 $77.82 $70.30 $64.79
Investment Operations          
Net Investment Income .6311 .500 .552 .460 .437
Net Realized and Unrealized Gain          
(Loss) on Investments 5.076 (3.990) (10.913) 11.500 7.367
Total from Investment Operations 5.707 (3.490) (10.361) 11.960 7.804
Distributions          
Dividends from Net Investment Income (.447) (.508) (.476) (.440) (.386)
Distributions from Realized Capital Gains — (3.662) (4.223) (4.000) (1.908)
Total Distributions (.447) (4.170) (4.699) (4.440) (2.294)
Net Asset Value, End of Period $60.36 $55.10 $62.76 $77.82 $70.30
 
Total Return2 10.36% -4.01% -13.96% 17.77% 12.30%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $18,028 $17,795 $19,234 $23,435 $21,828
Ratio of Total Expenses to          
Average Net Assets 0.45% 0.49% 0.43% 0.43% 0.46%
Ratio of Net Investment Income to          
Average Net Assets 1.05%1 1.02% 0.76% 0.62% 0.64%
Portfolio Turnover Rate 5% 4% 11% 11% 10%
1 Net investment income per share and the ratio of net investment income to average net assets include $.128 and 0.21%, respectively, resulting from a special dividend from Weyerhaeuser Co. in July 2010.
2 Total returns do not include transaction or account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable transaction and account service fees.

See accompanying Notes, which are an integral part of the Financial Statements.

20


PRIMECAP Fund

Financial Highlights

Admiral Shares          
 
For a Share Outstanding     Year Ended September 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $57.20 $65.19 $80.82 $73.03 $67.28
Investment Operations          
Net Investment Income .7111 .580 .664 .580 .562
Net Realized and Unrealized Gain          
(Loss) on Investments 5.269 (4.160) (11.327) 11.930 7.640
Total from Investment Operations 5.980 (3.580) (10.663) 12.510 8.202
Distributions          
Dividends from Net Investment Income (.530) (.612) (.586) (.570) (.472)
Distributions from Realized Capital Gains — (3.798) (4.381) (4.150) (1.980)
Total Distributions (.530) (4.410) (4.967) (4.720) (2.452)
Net Asset Value, End of Period $62.65 $57.20 $65.19 $80.82 $73.03
 
Total Return2 10.46% -3.90% -13.85% 17.91% 12.45%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $9,765 $9,222 $9,651 $10,565 $8,542
Ratio of Total Expenses to          
Average Net Assets 0.36% 0.37% 0.31% 0.31% 0.31%
Ratio of Net Investment Income to          
Average Net Assets 1.14%1 1.14% 0.88% 0.74% 0.79%
Portfolio Turnover Rate 5% 4% 11% 11% 10%
1 Net investment income per share and the ratio of net investment income to average net assets include $.133 and 0.21%, respectively, resulting from a special dividend from Weyerhaeuser Co. in July 2010.
2 Total returns do not include transaction fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable transaction fees.

See accompanying Notes, which are an integral part of the Financial Statements.

21


PRIMECAP Fund

Notes to Financial Statements

Vanguard PRIMECAP Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund offers two classes of shares: Investor Shares and Admiral Shares. Investor Shares are available to any investor who meets the fund’s minimum purchase requirements. Admiral Shares are designed for investors who meet certain administrative, service, and account-size criteria.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Securities are valued as of the close of trading on the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date. Equity securities are valued at the latest quoted sales prices or official closing prices taken from the primary market in which each security trades; such securities not traded on the valuation date are valued at the mean of the latest quoted bid and asked prices. Securities for which market quotations are not readily available, or whose values have been affected by events occurring before the fund’s pricing time but after the close of the securities’ primary markets, are valued at their fair values calculated according to procedures adopted by the board of trustees. These procedures include obtaining quotations from an independent pricing service, monitoring news to identify significant market- or security-specific events, and evaluating changes in the values of foreign market proxies (for example, ADRs, futures contracts, or exchange-traded funds), between the time the foreign markets close and the fund’s pricing time. When fair-value pricing is employed, the prices of securities used by a fund to calculate its net asset value may differ from quoted or published prices for the same securities. Investments in Vanguard Market Liquidity Fund are valued at that fund’s net asset value.

2. Foreign Currency: Securities and other assets and liabilities denominated in foreign currencies are translated into U.S. dollars using exchange rates obtained from an independent third party as of the fund’s pricing time on the valuation date. Realized gains (losses) and unrealized appreciation (depreciation) on investment securities include the effects of changes in exchange rates since the securities were purchased, combined with the effects of changes in security prices. Fluctuations in the value of other assets and liabilities resulting from changes in exchange rates are recorded as unrealized foreign currency gains (losses) until the assets or liabilities are settled in cash, at which time they are recorded as realized foreign currency gains (losses).

3. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

4. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

5. Security Lending: The fund may lend its securities to qualified institutional borrowers to earn additional income. Security loans are required to be secured at all times by collateral at least equal to the market value of securities loaned. The fund invests cash collateral received in Vanguard Market Liquidity Fund, and records a liability for the return of the collateral, during the period the securities are on loan. Security lending income represents fees charged to borrowers plus income earned on investing cash collateral, less expenses associated with the loan.

22


PRIMECAP Fund

6. Other: Dividend income is recorded on the ex-dividend date. Interest income includes income distributions received from Vanguard Market Liquidity Fund and is accrued daily. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold. Fees assessed on redemptions of capital shares are credited to paid-in capital.

Each class of shares has equal rights as to assets and earnings, except that each class separately bears certain class-specific expenses related to maintenance of shareholder accounts (included in Management and Administrative expenses) and shareholder reporting. Marketing and distribution expenses are allocated to each class of shares based on a method approved by the board of trustees. Income, other non-class-specific expenses, and gains and losses on investments are allocated to each class of shares based on its relative net assets.

B. PRIMECAP Management Company provides investment advisory services to the fund for a fee calculated at an annual percentage rate of average net assets. For the year ended September 30, 2010, the investment advisory fee represented an effective annual rate of 0.21% of the fund’s average net assets.

C. The Vanguard Group furnishes at cost corporate management, administrative, marketing, and distribution services. The costs of such services are allocated to the fund under methods approved by the board of trustees. The fund has committed to provide up to 0.40% of its net assets in capital contributions to Vanguard. At September 30, 2010, the fund had contributed capital of $4,879,000 to Vanguard (included in Other Assets), representing 0.02% of the fund’s net assets and 1.95% of Vanguard’s capitalization. The fund’s trustees and officers are also directors and officers of Vanguard.

D. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

The following table summarizes the fund’s investments as of September 30, 2010, based on the inputs used to value them:

  Level 1 Level 2 Level 3
Investments ($000) ($000) ($000)
Common Stocks 26,699,667 729,670 —
Temporary Cash Investments 458,049 — —
Total 27,157,716 729,670 —

23


PRIMECAP Fund

E. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

During the year ended September 30, 2010, the fund realized net foreign currency losses of $322,000, which decreased distributable net income for tax purposes; accordingly, such losses have been reclassified from accumulated net realized gains to undistributed net investment income.

The fund used a tax accounting practice to treat a portion of the price of capital shares redeemed during the year as distributions from net investment income and realized capital gains. Accordingly, the fund has reclassified $18,322,000 from undistributed net investment income, and $13,179,000 from accumulated net realized gains, to paid-in capital.

For tax purposes, at September 30, 2010, the fund had $261,351,000 of ordinary income and $169,081,000 of long-term capital gains available for distribution.

At September 30, 2010, the cost of investment securities for tax purposes was $20,795,848,000. Net unrealized appreciation of investment securities for tax purposes was $7,091,538,000, consisting of unrealized gains of $9,751,411,000 on securities that had risen in value since their purchase and $2,659,873,000 in unrealized losses on securities that had fallen in value since their purchase.

F. During the year ended September 30, 2010, the fund purchased $1,345,593,000 of investment securities and sold $2,863,670,000 of investment securities, other than temporary cash investments.

G. Capital share transactions for each class of shares were:

      Year Ended September 30,
    2010   2009
  Amount Shares Amount Shares
  ($000) (000) ($000) (000)
Investor Shares        
Issued 1,468,783 25,220 1,793,876 38,280
Issued in Lieu of Cash Distributions 140,568 2,343 1,244,348 27,869
Redeemed1 (2,999,221) (51,839) (2,328,799) (49,652)
Net Increase (Decrease)—Investor Shares (1,389,870) (24,276) 709,425 16,497
Admiral Shares        
Issued 936,594 15,542 1,108,415 22,881
Issued in Lieu of Cash Distributions 76,415 1,228 594,116 12,829
Redeemed1 (1,327,218) (22,112) (1,083,333) (22,558)
Net Increase (Decrease)—Admiral Shares (314,209) (5,342) 619,198 13,152
1 Net of redemption fees for fiscal 2010 and 2009 of $1,493,000 and $2,430,000, respectively (fund totals).

24


PRIMECAP Fund

H. Certain of the fund’s investments are in companies that are considered to be affiliated companies of the fund because the fund owns more than 5% of the outstanding voting securities of the company. Transactions during the period in securities of these companies were as follows:

      Current Period Transactions  
  Sept. 30, 2009   Proceeds from   Sept. 30, 2010
  Market Purchases Securities Dividend Market
  Value at Cost Sold Income Value
  ($000) ($000) ($000) ($000) ($000)
Alaska Air Group Inc. 64,564 — — — 122,982
Biogen Idec Inc. NA1 7,516 — — 704,329
Intuit Inc. 493,050 — 6,886 — 750,965
Millipore Corp. 198,331 — 301,371 — —
Plantronics Inc. 99,237 — — 740 125,037
Whirlpool Corp. 418,711 — 8,480 10,221 477,664
  1,273,893     10,961 2,180,977
1 Not applicable—At September 30, 2009, the issuer was not an affiliated company of the fund.

I. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements.

25


Report of Independent Registered Public Accounting Firm

To the Trustees of Vanguard Chester Funds and the Shareholders of Vanguard PRIMECAP Fund: In our opinion, the accompanying statement of net assets and statement of assets and liabilities, and the related statements of operations and of changes in net assets and the financial highlights present fairly, in all material respects, the financial position of Vanguard PRIMECAP Fund (constituting a separate portfolio of Vanguard Chester Funds, hereafter referred to as the “Fund”) at September 30, 2010, the results of its operations for the year then ended, the changes in its net assets for each of the two years in the period then ended and the financial highlights for each of the five years in the period then ended, in conformity with accounting principles generally accepted in the United States of America. These financial statements and financial highlights (hereafter referred to as “financial statements”) are the responsibility of the Fund 6;s management; our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits of these financial statements in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation. We believe that our audits, which included confirmation of securities at September 30, 2010 by correspondence with the custodian and by agreement to the underlying ownership records of Vanguard Market Liquidity Fund, provide a reasonable basis for our opinion.

PricewaterhouseCoopers LLP
Philadelphia, Pennsylvania
November 8, 2010

 

 

 

Special 2010 tax information (unaudited) for Vanguard PRIMECAP Fund

This information for the fiscal year ended September 30, 2010, is included pursuant to provisions of the Internal Revenue Code.

The fund distributed $226,891,000 of qualified dividend income to shareholders during the fiscal year.

For corporate shareholders, 100% of investment income (dividend income plus short-term gains, if any) qualifies for the dividends-received deduction.

26


Your Fund’s After-Tax Returns

This table presents returns for your fund both before and after taxes. The after-tax returns are shown in two ways: (1) assuming that an investor owned the fund during the entire period and paid taxes on the fund’s distributions, and (2) assuming that an investor paid taxes on the fund’s distributions and sold all shares at the end of each period.

Calculations are based on the highest individual federal income tax and capital gains tax rates in effect at the times of the distributions and the hypothetical sales. State and local taxes were not considered. After-tax returns reflect any qualified dividend income , using actual prior-year figures and estimates for 2010. (In the example, returns after the sale of fund shares may be higher than those assuming no sale. This occurs when the sale would have produced a capital loss. The calculation assumes that the investor received a tax deduction for the loss.) The table shows returns for Investor Shares only; returns for other share classes will differ. Please note that your actual after-tax returns will depend on your tax situation and may differ from those shown. Also note that if you own the fund in a tax-deferred account, such as an individual retirement account or a 401(k) plan, this information does not apply to you. Such accounts are not subject to c urrent taxes.

Finally, keep in mind that a fund’s performance—whether before or after taxes—does not guarantee future results.

Average Annual Total Returns: PRIMECAP Fund Investor Shares
Periods Ended September 30, 2010

  One Five Ten
  Year Years Years
Returns Before Taxes 10.36% 3.81% 2.20%
Returns After Taxes on Distributions 10.24 3.03 1.59
Returns After Taxes on Distributions and Sale of Fund Shares 6.90 3.21 1.74

Returns do not reflect the 1% fee on redemptions of shares held for less than one year.

27


About Your Fund’s Expenses

As a shareholder of the fund, you incur ongoing costs, which include costs for portfolio management, administrative services, and shareholder reports (like this one), among others. Operating expenses, which are deducted from a fund’s gross income, directly reduce the investment return of the fund.

A fund’s expenses are expressed as a percentage of its average net assets. This figure is known as the expense ratio. The following examples are intended to help you understand the ongoing costs (in dollars) of investing in your fund and to compare these costs with those of other mutual funds. The examples are based on an investment of $1,000 made at the beginning of the period shown and held for the entire period.

The accompanying table illustrates your fund’s costs in two ways:

• Based on actual fund return. This section helps you to estimate the actual expenses that you paid over the period. The ”Ending Account Value“ shown is derived from the fund‘s actual return, and the third column shows the dollar amount that would have been paid by an investor who started with $1,000 in the fund. You may use the information here, together with the amount you invested, to estimate the expenses that you paid over the period.

To do so, simply divide your account value by $1,000 (for example, an $8,600 account value divided by $1,000 = 8.6), then multiply the result by the number given for your fund under the heading ”Expenses Paid During Period.“

• Based on hypothetical 5% yearly return. This section is intended to help you compare your fund‘s costs with those of other mutual funds. It assumes that the fund had a yearly return of 5% before expenses, but that the expense ratio is unchanged. In this case—because the return used is not the fund’s actual return—the results do not apply to your investment. The example is useful in making comparisons because the Securities and Exchange Commission requires all mutual funds to calculate expenses based on a 5% return. You can assess your fund’s costs by comparing this hypothetical example with the hypothetical examples that appear in shareholder reports of other funds.

Note that the expenses shown in the table are meant to highlight and help you compare ongoing costs only and do not reflect transaction costs incurred by the fund for buying and selling securities. Further, the expenses do not include the 1% fee on redemptions of shares held for less than one year, nor do they include the account service fee described in the prospectus. If such fees were applied to your account, your costs would be higher. Your fund does not carry a “sales load.” The calculations assume no shares were bought or sold during the period. Your actual costs may have been higher or lower, depending on the amount of your investment and the timing of any purchases or redemptions.

You can find more information about the fund’s expenses, including annual expense ratios, in the Financial Statements section of this report. For additional information on operating expenses and other shareholder costs, please refer to your fund’s current prospectus.

28


Six Months Ended September 30, 2010      
  Beginning Ending Expenses
  Account Value Account Value Paid During
PRIMECAP Fund 3/31/2010 9/30/2010 Period
Based on Actual Fund Return      
Investor Shares $1,000.00 $980.67 $2.18
Admiral Shares 1,000.00 980.90 1.89
Based on Hypothetical 5% Yearly Return      
Investor Shares $1,000.00 $1,022.86 $2.23
Admiral Shares 1,000.00 1,023.16 1.93
The calculations are based on expenses incurred in the most recent six-month period. The fund’s annualized six-month expense ratios for that period are 0.44% for Investor Shares and 0.38% for Admiral Shares. The dollar amounts shown as “Expenses Paid” are equal to the annualized expense ratio multiplied by the average account value over the period, multiplied by the number of days in the most recent six-month period, then divided by the number of days in the most recent 12-month period.

29


Trustees Approve Advisory Agreement

The board of trustees of Vanguard PRIMECAP Fund has renewed the fund’s investment advisory agreement with PRIMECAP Management Company. The board determined that the retention of the advisor was in the best interests of the fund and its shareholders.

The board based its decision upon an evaluation of the advisor’s investment staff, portfolio management process, and performance. The trustees considered the factors discussed below, among others. However, no single factor determined whether the board approved the agreement. Rather, it was the totality of the circumstances that drove the board’s decision.

Nature, extent, and quality of services
The board considered the quality of the fund’s investment management over both the short and long term, and took into account the organizational depth and stability of the advisor. The board noted that PRIMECAP Management, founded in 1983, is recognized for its long-term approach to growth equity investing. The firm has managed the fund since its inception in 1984. Six experienced portfolio managers are responsible for separate subportfolios, and each portfolio manager employs a fundamental, research-driven approach in seeking to identify companies with long-term growth potential that have been overlooked by the market and are trading at attractive valuation levels.

The board concluded that the advisor’s experience, stability, depth, and performance, among other factors, warranted continuation of the advisory agreement.

Investment performance
The board considered the short- and long-term performance of the fund, including any periods of outperformance or underperformance of a relevant benchmark and peer group. The board noted that the fund has underperformed its benchmark and peer group over the 12 months ended March 31, 2010, but has outperformed both during the 3-, 5-, and 10-year periods. The board concluded that the advisor has carried out the fund’s investment strategy in disciplined fashion. Information about the fund’s most recent performance can be found in the Performance Summary section of this report.

Cost
The board concluded that the fund’s expense ratio was well below the average expense ratio charged by funds in its peer group and that the fund’s advisory fee rate was also well below its peer-group average. Information about the fund’s expense ratio appears in the About Your Fund’s Expenses section of this report as well as in the Financial Statements section, which also includes information about the fund’s advisory fee rate.

The board did not consider profitability of PRIMECAP Management in determining whether to approve the advisory fee, because PRIMECAP Management is independent of Vanguard and the advisory fee is the result of arm’s-length negotiations.

The benefit of economies of scale
The board concluded that the fund’s shareholders benefit from economies of scale because of breakpoints in the advisory fee schedule. The breakpoints reduce the effective rate of the fee as the fund’s assets increase.

The board will consider whether to renew the advisory agreement again after a one-year period.

30


Glossary

30-Day SEC Yield. A fund’s 30-day SEC yield is derived using a formula specified by the U.S. Securities and Exchange Commission. Under the formula, data related to the fund’s security holdings in the previous 30 days are used to calculate the fund’s hypothetical net income for that period, which is then annualized and divided by the fund’s estimated average net assets over the calculation period. For the purposes of this calculation, a security’s income is based on its current market yield to maturity (in the case of bonds) or its projected dividend yield (for stocks). Because the SEC yield represents hypothetical annualized income, it will differ—at times significantly—from the fund’s actual experience. As a result, the fund’s income distributions may be higher or lower than implied by the SEC yield.

Beta. A measure of the magnitude of a fund’s past share-price fluctuations in relation to the ups and downs of a given market index. The index is assigned a beta of 1.00. Compared with a given index, a fund with a beta of 1.20 typically would have seen its share price rise or fall by 12% when the index rose or fell by 10%. For this report, beta is based on returns over the past 36 months for both the fund and the index. Note that a fund’s beta should be reviewed in conjunction with its R-squared (see definition). The lower the R-squared, the less correlation there is between the fund and the index, and the less reliable beta is as an indicator of volatility.

Dividend Yield. Dividend income earned by stocks, expressed as a percentage of the aggregate market value (or of net asset value, for a fund). The yield is determined by dividing the amount of the annual dividends by the aggregate value (or net asset value) at the end of the period. For a fund, the dividend yield is based solely on stock holdings and does not include any income produced by other investments.

Earnings Growth Rate. The average annual rate of growth in earnings over the past five years for the stocks now in a fund.

Equity Exposure. A measure that reflects a fund’s investments in stocks and stock futures. Any holdings in short-term reserves are excluded.

Expense Ratio. The percentage of a fund’s average net assets used to pay its annual administrative and advisory expenses. These expenses directly reduce returns to investors.

Foreign Holdings. The percentage of a fund represented by stocks or depositary receipts of companies based outside the United States.

Inception Date. The date on which the assets of a fund (or one of its share classes) are first invested in accordance with the fund’s investment objective. For funds with a subscription period, the inception date is the day after that period ends. Investment performance is measured from the inception date.

Median Market Cap. An indicator of the size of companies in which a fund invests; the midpoint of market capitalization (market price x shares outstanding) of a fund’s stocks, weighted by the proportion of the fund’s assets invested in each stock. Stocks representing half of the fund’s assets have market capitalizations above the median, and the rest are below it.

Price/Book Ratio. The share price of a stock divided by its net worth, or book value, per share. For a fund, the weighted average price/book ratio of the stocks it holds.

31


Price/Earnings Ratio. The ratio of a stock’s current price to its per-share earnings over the past year. For a fund, the weighted average P/E of the stocks it holds. P/E is an indicator of market expectations about corporate prospects; the higher the P/E, the greater the expectations for a company’s future growth.

R-Squared. A measure of how much of a fund’s past returns can be explained by the returns from the market in general, as measured by a given index. If a fund’s total returns were precisely synchronized with an index’s returns, its R-squared would be 1.00. If the fund’s returns bore no relationship to the index’s returns, its R-squared would be 0. For this report, R-squared is based on returns over the past 36 months for both the fund and the index.

Return on Equity. The annual average rate of return generated by a company during the past five years for each dollar of shareholder’s equity (net income divided by shareholder’s equity). For a fund, the weighted average return on equity for the companies whose stocks it holds.

Short-Term Reserves. The percentage of a fund invested in highly liquid, short-term securities that can be readily converted to cash.

Turnover Rate. An indication of the fund’s trading activity. Funds with high turnover rates incur higher transaction costs and may be more likely to distribute capital gains (which may be taxable to investors). The turnover rate excludes in-kind transactions, which have minimal impact on costs.

32


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The People Who Govern Your Fund

The trustees of your mutual fund are there to see that the fund is operated and managed in your best interests since, as a shareholder, you are a part owner of the fund. Your fund’s trustees also serve on the board of directors of The Vanguard Group, Inc., which is owned by the Vanguard funds and provides services to them on an at-cost basis.

A majority of Vanguard’s board members are independent, meaning that they have no affiliation with Vanguard or the funds they oversee, apart from the sizable personal investments they have made as private individuals. The independent board members have distinguished backgrounds in business, academia, and public service. Each of the trustees and executive officers oversees 178 Vanguard funds.

The following table provides information for each trustee and executive officer of the fund. More information about the trustees is in the Statement of Additional Information, which can be obtained, without charge, by contacting Vanguard at 800-662-7447, or online at Vanguard.com.

Interested Trustee1 Amy Gutmann
  Born 1949. Trustee Since June 2006. Principal
F. William McNabb III Occupation(s) During the Past Five Years: President
Born 1957. Trustee Since July 2009. Chairman of the of the University of Pennsylvania; Christopher H.
Board. Principal Occupation(s) During the Past Five Browne Distinguished Professor of Political Science
Years: Chairman of the Board of The Vanguard Group, in the School of Arts and Sciences with secondary
Inc., and of each of the investment companies served appointments at the Annenberg School for Commu-
by The Vanguard Group, since January 2010; Director nication and the Graduate School of Education
of The Vanguard Group since 2008; Chief Executive of the University of Pennsylvania; Director of
Officer and President of The Vanguard Group and of Carnegie Corporation of New York, Schuylkill River
each of the investment companies served by The Development Corporation, and Greater Philadelphia
Vanguard Group since 2008; Director of Vanguard Chamber of Commerce; Trustee of the National
Marketing Corporation; Managing Director of The Constitution Center; Chair of the Presidential
Vanguard Group (1995–2008) . Commission for the Study of Bioethical Issues.
 
  JoAnn Heffernan Heisen
Independent Trustees Born 1950. Trustee Since July 1998. Principal
  Occupation(s) During the Past Five Years: Corporate
Emerson U. Fullwood Vice President and Chief Global Diversity Officer
Born 1948. Trustee Since January 2008. Principal since 2006 (retired 2008) and Member of the
Occupation(s) During the Past Five Years: Executive Executive Committee (retired 2008) of Johnson &
Chief Staff and Marketing Officer for North America Johnson (pharmaceuticals/consumer products); Vice
and Corporate Vice President (retired 2008) of Xerox President and Chief Information Officer of Johnson &
Corporation (document management products and Johnson (1997–2005); Director of the University
services); Director of SPX Corporation (multi-industry Medical Center at Princeton and Women’s Research
manufacturing), the United Way of Rochester, and Education Institute; Member of the Advisory
Amerigroup Corporation (managed health care), Board of the Maxwell School of Citizenship and Public
the University of Rochester Medical Center, and Affairs at Syracuse University.
Monroe Community College Foundation.  
  F. Joseph Loughrey
Rajiv L. Gupta Born 1949. Trustee Since October 2009. Principal
Born 1945. Trustee Since December 2001.2 Occupation(s) During the Past Five Years: President
Principal Occupation(s) During the Past Five Years: and Chief Operating Officer since 2005 (retired 2009)
Chairman and Chief Executive Officer (retired 2009) and Vice Chairman of the Board (2008–2009) of
and President (2006–2008) of Rohm and Haas Co. Cummins Inc. (industrial machinery); Director of
(chemicals); Director of Tyco International, Ltd. SKF AB (industrial machinery), Hillenbrand, Inc.
(diversified manufacturing and services) and Hewlett- (specialized consumer services), Sauer-Danfoss Inc.
Packard Co. (electronic computer manufacturing); (machinery), the Lumina Foundation for Education,
Trustee of The Conference Board; Member of the and Oxfam America; Chairman of the Advisory
Board of Managers of Delphi Automotive LLP Council for the College of Arts and Letters at the
(automotive components) . University of Notre Dame.


André F. Perold Kathryn J. Hyatt
Born 1952. Trustee Since December 2004. Principal Born 1955. Treasurer Since November 2008. Principal
Occupation(s) During the Past Five Years: George Occupation(s) During the Past Five Years: Principal
Gund Professor of Finance and Banking at the Harvard of The Vanguard Group, Inc.; Treasurer of each of
Business School; Chair of the Investment Committee the investment companies served by The Vanguard
of HighVista Strategies LLC (private investment firm) . Group since 2008; Assistant Treasurer of each of the
  investment companies served by The Vanguard Group
Alfred M. Rankin, Jr. (1988–2008) .
Born 1941. Trustee Since January 1993. Principal
Occupation(s) During the Past Five Years: Chairman, Heidi Stam
President, and Chief Executive Officer of NACCO Born 1956. Secretary Since July 2005. Principal
Industries, Inc. (forklift trucks/housewares/lignite); Occupation(s) During the Past Five Years: Managing
Director of Goodrich Corporation (industrial products/ Director of The Vanguard Group, Inc., since 2006;
aircraft systems and services); Chairman of the General Counsel of The Vanguard Group since 2005;
Federal Reserve Bank of Cleveland; Trustee of The Secretary of The Vanguard Group and of each of the
Cleveland Museum of Art. investment companies served by The Vanguard Group
  since 2005; Director and Senior Vice President of
Peter F. Volanakis Vanguard Marketing Corporation since 2005;
Born 1955. Trustee Since July 2009. Principal Principal of The Vanguard Group (1997–2006).
Occupation(s) During the Past Five Years: President
since 2007 and Chief Operating Officer since 2005
of Corning Incorporated (communications equipment); Vanguard Senior Management Team
President of Corning Technologies (2001–2005);    
Director of Corning Incorporated and Dow Corning; R. Gregory Barton Michael S. Miller
Trustee of the Corning Incorporated Foundation and Mortimer J. Buckley James M. Norris
the Corning Museum of Glass; Overseer of the Kathleen C. Gubanich Glenn W. Reed
Amos Tuck School of Business Administration at Paul A. Heller George U. Sauter
Dartmouth College.    
 
  Chairman Emeritus and Senior Advisor
Executive Officers
  John J. Brennan
Glenn Booraem Chairman, 1996–2009
Born 1967. Controller Since July 2010. Principal Chief Executive Officer and President, 1996–2008
Occupation(s) During the Past Five Years: Principal
of The Vanguard Group, Inc.; Controller of each of    
the investment companies served by The Vanguard Founder  
Group since 2010; Assistant Controller of each of    
the investment companies served by The Vanguard John C. Bogle
Group (2001–2010) . Chairman and Chief Executive Officer, 1974–1996
 
Thomas J. Higgins    
Born 1957. Chief Financial Officer Since September    
2008. Principal Occupation(s) During the Past Five    
Years: Principal of The Vanguard Group, Inc.; Chief    
Financial Officer of each of the investment companies    
served by The Vanguard Group since 2008; Treasurer    
of each of the investment companies served by The    
Vanguard Group (1998–2008) .    

1 Mr. McNabb is considered an “interested person,” as defined in the Investment Company Act of 1940, because he is an officer of the Vanguard funds.
2 December 2002 for Vanguard Equity Income Fund, Vanguard Growth Equity Fund, the Vanguard Municipal Bond Funds, and the Vanguard State Tax-Exempt Funds.


 

   
 P.O. Box 2600
 Valley Forge, PA 19482-2600

Connect with Vanguard® > Vanguard.com

Fund Information > 800-662-7447  
Direct Investor Account Services > 800-662-2739  
Institutional Investor Services > 800-523-1036  
Text Telephone for People  
With Hearing Impairment > 800-749-7273  
 
This material may be used in conjunction  
with the offering of shares of any Vanguard  
fund only if preceded or accompanied by  
the fund’s current prospectus.  
 
All comparative mutual fund data are from Lipper Inc. or  
Morningstar, Inc., unless otherwise noted.  
 
You can obtain a free copy of Vanguard’s proxy voting  
guidelines by visiting vanguard.com/proxyreporting or by  
calling Vanguard at 800-662-2739. The guidelines are  
also available from the SEC’s website, sec.gov. In  
addition, you may obtain a free report on how your fund  
voted the proxies for securities it owned during the 12  
months ended June 30. To get the report, visit either  
vanguard.com/proxyreporting or sec.gov.  
 
You can review and copy information about your fund at  
the SEC’s Public Reference Room in Washington, D.C. To  
find out more about this public service, call the SEC at  
202-551-8090. Information about your fund is also  
available on the SEC’s website, and you can receive  
copies of this information, for a fee, by sending a  
request in either of two ways: via e-mail addressed to  
publicinfo@sec.gov or via regular mail addressed to the  
Public Reference Section, Securities and Exchange  
Commission, Washington, DC 20549-1520.  
 
 
  © 2010 The Vanguard Group, Inc.
  All rights reserved.
  Vanguard Marketing Corporation, Distributor.
 
  Q590 112010


 

Vanguard Target Retirement Funds
Annual Report
September 30, 2010
 
 
Vanguard Target Retirement Income Fund
Vanguard Target Retirement 2005 Fund
Vanguard Target Retirement 2010 Fund
Vanguard Target Retirement 2015 Fund
Vanguard Target Retirement 2020 Fund
Vanguard Target Retirement 2025 Fund

 

> In a tumultuous 12 months, the six Target Retirement Funds in this report produced returns ranging from 8.97% to 10.12%.

> As U.S. stocks outperformed U.S. bonds, those funds with the largest allocation to stocks notched the highest 12-month returns.

> Toward the end of the period, we announced that we will shift some of the funds’ assets from U.S. stocks to international stocks. Vanguard research indicates that such a shift can provide better long-term diversification.

Contents  
Your Fund’s Total Returns. 1
Chairman’s Letter. 2
Target Retirement Income Fund. 9
Target Retirement 2005 Fund. 19
Target Retirement 2010 Fund. 29
Target Retirement 2015 Fund. 39
Target Retirement 2020 Fund. 49
Target Retirement 2025 Fund. 59
Your Fund’s After-Tax Returns. 71
About Your Fund’s Expenses. 73
Glossary. 75

Please note: The opinions expressed in this report are just that—informed opinions. They should not be considered promises or advice.
Also, please keep in mind that the information and opinions cover the period through the date on the front of this report. Of course, the risks of investing in your fund are spelled out in the prospectus.
See the Glossary for definitions of investment terms used in this report.

Cover photograph: Jean Maher.


Your Fund’s Total Returns

Fiscal Year Ended September 30, 2010  
  Total
  Returns
Vanguard Target Retirement Income Fund 8.97%
Target Income Composite Index 9.07
Target Income Composite Average 9.74
Vanguard Target Retirement 2005 Fund 9.33%
Target 2005 Composite Index 9.41
Target 2005 Composite Average 10.08
Vanguard Target Retirement 2010 Fund 9.83%
Target 2010 Composite Index 9.97
Target 2010 Composite Average 10.70
Vanguard Target Retirement 2015 Fund 9.92%
Target 2015 Composite Index 10.10
Target 2015 Composite Average 10.89
Vanguard Target Retirement 2020 Fund 10.04%
Target 2020 Composite Index 10.20
Target 2020 Composite Average 10.93
Vanguard Target Retirement 2025 Fund 10.12%
Target 2025 Composite Index 10.29
Target 2025 Composite Average 10.96

Returns for the composite indexes are derived by applying the funds’ target allocations to the results of the following benchmarks: for U.S. stocks, the MSCI US Broad Market Index; for international stocks, the MSCI EAFE Index and the MSCI Emerging Markets Index; for bonds, the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, and the Barclays Capital U.S. Aggregate Float Adjusted Index thereafter, as well as the Barclays Capital U.S. Treasury Inflation Protected Securities Index; and for short-term reserves, the Citigroup Three-Month Treasury Bill Index.
Returns for the composite averages are derived by applying the funds’ target allocations to the average returns of the following mutual fund peer groups: fixed income funds, Treasury inflation-protected securities funds, money market funds, general equity funds, international funds, and emerging markets funds. These groups’ average returns are derived from data provided by Lipper Inc.

Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the work force. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.

1


 

Chairman’s Letter

Dear Shareholder,

For the fiscal year ended September 30, 2010, global stock markets seemed to lurch from weakness to strength, ultimately generating solid 12-month returns. Bonds performed strongly throughout the year. The six Vanguard Target Retirement Funds covered in this report produced 12-month returns ranging from 8.97% for the Target Retirement Income Fund, which has the highest allocation to fixed income investments, to 10.12% for the Target Retirement 2025 Fund, which has the largest exposure to stocks.

Toward the end of the period, we announced plans to increase the funds’ allocations to international stocks by reducing their exposure to U.S. stocks. International stocks have historically accounted for about 20% of each Target Retirement Fund’s equity exposure. We plan to raise that allocation to about 30%.

Our research suggests that a higher international allocation can potentially provide better risk-return properties. In a related change, we will replace the three international stock funds currently used in the Target Retirement Funds with a single fund, Vanguard Total International Stock Index Fund. The fund will include both the large-capitalization stocks held by the current international funds and small-and mid-capitalization stocks, enhancing the funds’ diversification. Unlike the funds it replaces, the new fund also includes Canadian stocks.

2


An upbeat end to a worrisome 12 months
Although global stock markets traced a ragged trajectory, they gained ground for the 12 months ended September 30. Europe’s sovereign debt crisis and a dispiriting lack of vigor in the U.S. economy weighed on stock prices through the spring and summer. In September, however, investor sentiment perked up, buoyed by continued signs of strength in corporate financial statements. The broad U.S. stock market rallied to close the period with a return of more than 11%. Small-capitalization stocks finished a few steps ahead of their large-cap counterparts.

International stock markets were a mixed bag: middling returns in Europe, stagnation in the Pacific region’s developed markets, and a return of more than 20% from emerging markets. The combined result, as measured by the MSCI All Country World Index ex USA, was a 12-month return of 8%.

Bond prices rallied, driving yields to surprising lows
Bonds produced strong 12-month returns, a gratifying performance that nevertheless raised questions about the prospects for total returns in a fixed income market where yields hovered near all-time lows. At the start of the period, the 10-year U.S.

Market Barometer      
 
    Average Annual Total Returns
    Periods Ended September 30, 2010
  One Three Five
  Year Years Years
Stocks      
Russell 1000 Index (Large-caps) 10.75% -6.79% 0.86%
Russell 2000 Index (Small-caps) 13.35 -4.29 1.60
Dow Jones U.S. Total Stock Market Index 11.51 -6.12 1.37
MSCI All Country World Index ex USA (International) 8.00 -6.98 4.72
 
Bonds      
Barclays Capital U.S. Aggregate Bond Index (Broad      
taxable market) 8.16% 7.42% 6.20%
Barclays Capital Municipal Bond Index (Broad      
tax-exempt market) 5.81 6.04 5.13
Citigroup Three-Month U.S. Treasury Bill Index 0.12 1.01 2.47
 
CPI      
Consumer Price Index 1.14% 1.57% 1.90%

3


Treasury note yielded 3.31%; at the end, the figure was 2.51% as investors bid up bond prices. As yields move lower, the scope for continued declines—and the attendant rise in prices—diminishes. Corporate bonds performed best for the 12 months. Municipal bonds delivered solid, but more modest, returns.

As has been the case for almost two years now, the yields of money market securities remained near 0%, a consequence of the Federal Reserve Board’s efforts to stimulate the economy by keeping a tight lid on borrowing costs.

Equities led returns
The Vanguard Target Retirement Funds hold stock, bond, and money market funds in proportions consistent with investors’ progress toward retirement. Funds for those with a more distant retirement date have a greater exposure to equities, which over the long term have the potential to produce higher returns than bonds, albeit with more volatile ups and downs. For those investors who expect to retire sooner, the funds become more conservative in their asset allocation, with a higher weighting in bonds.

Expense Ratios    
Your Fund Compared With Its Peer Group    
  Acquired Fund Fees Peer Group
  and Expenses Average
Target Retirement Income Fund 0.17% 1.07%
Target Retirement 2005 Fund 0.17 1.11
Target Retirement 2010 Fund 0.17 1.19
Target Retirement 2015 Fund 0.17 1.24
Target Retirement 2020 Fund 0.18 1.27
Target Retirement 2025 Fund 0.18 1.30

The fund expense figures shown—drawn from the prospectus dated August 18, 2010—represent an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement Funds invest. The Target Retirement Funds do not charge any expenses or fees of their own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.17% for the Target Retirement Income Fund, 0.17% for the 2005 Fund, 0.17% for the 2010 Fund, 0.17% for the 2015 Fund, 0.17% for the 2020 Fund, and 0.18% for the 2025 Fund.

Peer groups are the composite averages listed on page 1. Their expense figures are derived by applying the funds’ target allocations to the average expense ratios of the following mutual fund peer groups: fixed income funds, Treasury inflation-protected securities funds, money market funds, general equity funds, international funds, and emerging markets funds. Average expense ratios for these groups are derived from data provided by Lipper Inc. and capture information through year-end 2009.

4


While all the Target Retirement Funds have a portion of their assets in traditional bonds, the funds designed for investors closest to or already in retirement—most notably the Income Fund and the 2005 Fund—also allocate some assets to Vanguard Inflation-Protected Securities Fund and Vanguard Prime Money Market Fund. The Inflation-Protected Securities Fund invests in bonds whose prices adjust for inflation, protecting investors from some of the erosion in purchasing power that rising prices can cause, while the money market fund helps preserve principal.

During the last 12 months, the 2025 fund posted the best return of the funds covered in this report. That 10.12% return was driven by the fund’s high exposure to U.S. equities, which accounted for 60% of its assets. With stocks outperforming bonds

Total Returns
Inception Through September 30, 2010

  Average
  Annual Return
Target Retirement Income Fund (Returns since inception: 10/27/2003) 5.14%
Target Income Composite Index 5.11
Target Income Composite Average 4.31
Target Retirement 2005 Fund (Returns since inception: 10/27/2003) 5.11%
Target 2005 Composite Index 5.17
Target 2005 Composite Average 4.36
Target Retirement 2010 Fund (Returns since inception: 6/7/2006) 4.24%
Target 2010 Composite Index 4.18
Target 2010 Composite Average 3.14
Target Retirement 2015 Fund (Returns since inception: 10/27/2003) 5.08%
Target 2015 Composite Index 5.04
Target 2015 Composite Average 4.36
Target Retirement 2020 Fund (Returns since inception: 6/7/2006) 3.23%
Target 2020 Composite Index 3.16
Target 2020 Composite Average 2.33
Target Retirement 2025 Fund (Returns since inception: 10/27/2003) 4.77%
Target 2025 Composite Index 4.74
Target 2025 Composite Average 4.16

The figures shown represent past performance, which is not a guarantee of future results. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost.

5


for the period, those funds with a more distant retirement date benefited from their heavy weighting in equities.

The funds with less exposure to equities got a smaller boost from the stock market’s run. The Income Fund, designed for those investors in or near retirement, had the lowest 12-month return. With 24% of assets in U.S. equities, 6% in international stocks, 65% in bonds, and 5% in short-term reserves, the fund generated a total return of 8.97%.

The Target Retirement Funds invest in a number of Vanguard funds. Among those underlying funds the best return (nearly 20%) was produced by Vanguard Emerging Markets Stock Index Fund. Consistent with the relatively modest size of these markets, however, the Target Retirement Funds have small allocations to this fund—5% or less—limiting the impact of its results. The second-highest return (about 11%) came from Vanguard Total Stock Market Index Fund, a major driver of performance for those Target Retirement Funds aimed at investors with longer time horizons. The weakest contributor was Vanguard European Stock Index Fund, whose Investor Shares generated a total return of just 2.25% as concerns over the sovereign debt crisis in Europe mounted.

Low costs and indexing make for a successful strategy
All of the Vanguard Target Retirement Funds produced 12 -month returns in line with those of their composite indexes, as we would expect, but fell a few steps behind their peer-group benchmarks. These are hypothetical portfolios with the same allocation as their respective Target Retirement Funds, but in which the returns of each asset class are represented by the average returns of the relevant mutual funds—U.S. stock funds, international stock funds, and so on.

In general, this benchmark can help you assess whether you would have been better off implementing a particular asset allocation with Vanguard’s low-cost, index-fund-oriented strategy or with the actively managed funds that make up most of the peer groups. Although Vanguard’s approach trailed during the past fiscal year, it has on average produced superior returns since the funds’ inceptions.

Powerful principles for retirement investing
The financial markets have generated a tumultuous ride for investors over the last year. Continued high unemployment in the U.S. along with worries about the financial stability of some European nations hurt market performance for some of that time. But as investor confidence revived toward the end of the period, stock market investors were rewarded with double-digit returns.

A prudent response to the unpredictability of financial markets is to hold a low-cost portfolio that is well-diversified within asset classes and balanced among them, principles that are the foundation of the

6


Vanguard Target Retirement Funds. The funds represent Vanguard’s best thinking about how to benefit from long-term opportunities for growth while controlling risk as you save for retirement and then manage those savings after you’ve left the workforce. The funds can be an excellent choice for any investor, particularly those who lack the time or interest required for a hands-on approach to their portfolios.

As always, thank you for entrusting your assets to Vanguard.

Sincerely,


F. William McNabb III
Chairman and Chief Executive Officer
October 13, 2010

7


Your Fund’s Performance at a Glance
September 30, 2009, Through September 30, 2010

      Distributions Per Share 
  Starting  Ending  Income  Capital 
  Share Price  Share Price  Dividends  Gains 
Target Retirement Income Fund  $10.49  $11.13  $0.288  $0.000 
Target Retirement 2005 Fund  $10.98  $11.71  $0.277  $0.000 
Target Retirement 2010 Fund  $20.39  $21.87  $0.495  $0.000 
Target Retirement 2015 Fund  $11.21  $12.03  $0.276  $0.000 
Target Retirement 2020 Fund  $19.66  $21.17  $0.440  $0.000 
Target Retirement 2025 Fund  $11.11  $11.97  $0.252  $0.000 

Asset Allocation on September 30, 2010       
      Short-Term 
  Stocks  Bonds  Reserves 
Target Retirement Income Fund  30.0%  65.1%  4.9% 
Target Retirement 2005 Fund  35.0%  61.3%  3.7% 
Target Retirement 2010 Fund  49.1%  50.7%  0.2% 
Target Retirement 2015 Fund  59.6%  40.4%  0.0% 
Target Retirement 2020 Fund  67.0%  33.0%  0.0% 
Target Retirement 2025 Fund  74.7%  25.3%  0.0% 

Note: The Income Fund’s allocations do not change. As of September 30, 2010, international stock weightings for the Income, 2005, 2010,
2015, 2020, and 2025 Funds were 6%, 7%, 10%, 12%, 13%, and 15% of assets, respectively.

8


Target Retirement Income Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VTINX
30-Day SEC Yield 1.84%
Acquired Fund Fees and Expenses1 0.17%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Bond Market II Index Fund  
Investor Shares 45.2%
Vanguard Total Stock Market Index Fund  
Investor Shares 23.9
Vanguard Inflation-Protected Securities  
Fund Investor Shares 19.9
Vanguard Prime Money Market Fund  
Investor Shares 4.9
Vanguard European Stock Index Fund  
Investor Shares 3.0
Vanguard Pacific Stock Index Fund  
Investor Shares 1.6
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 1.5

Total Fund Volatility Measures  
  Target Barclays
  Income Aggregate
  Composite Bond
  Index Index
R-Squared 1.00 0.34
Beta 0.99 1.22
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement Income Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.17%.

9


Target Retirement Income Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: October 27, 2003, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
      Since Final Value
  One Five Inception of a $10,000
  Year Years  (10/27/2003) Investment
Target Retirement Income Fund 8.97% 4.74% 5.14% $14,148
Barclays Capital U.S. Aggregate Bond        
Index 8.16 6.20 5.55 14,536
Target Income Composite Index 9.07 4.67 5.11 14,126
Target Income Composite Average 9.74 3.70 4.31 13,392

Target Income Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Treasury Inflation Protected Securities Index and the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, after which the Barclays Capital U.S. Aggregate Bond Index was replaced by the Barclays Capital U.S. Aggregate Float Adjusted Index; for short-term reserves, the Citigroup Three-Month Treasury Bill Index; and for U.S. stocks, the Dow Jones Wilshire 5000 Index from inception through April 22, 2005, an d the MSCI US Broad Market Index thereafter. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies. Target Income Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, Treasury inflation-protected securities funds average, general equity funds average, international funds average, money market funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.
"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

10


Target Retirement Income Fund

Fiscal-Year Total Returns (%): October 27, 2003, Through September 30, 2010


11


Target Retirement Income Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
 
Investment Companies (100.0%)    
U.S. Stock Fund (23.9%)    
Vanguard Total Stock Market Index Fund Investor Shares 30,517,739 867,009
 
International Stock Funds (6.2%)    
Vanguard European Stock Index Fund Investor Shares 4,248,131 110,196
Vanguard Pacific Stock Index Fund Investor Shares 5,736,275 58,281
Vanguard Emerging Markets Stock Index Fund Investor Shares 1,953,832 55,958
    224,435
Bond Funds (64.9%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 151,240,371 1,631,884
Vanguard Inflation-Protected Securities Fund Investor Shares 54,242,977 719,804
    2,351,688
Money Market Funds (5.0%)    
Vanguard Prime Money Market Fund Investor Shares 178,240,153 178,240
1 Vanguard Market Liquidity Fund, 0.261% 1,929,651 1,930
    180,170
Total Investment Companies (Cost $3,431,629)   3,623,302
Other Assets and Liabilities (0.0%)    
Other Assets   12,295
Liabilities   (12,602)
    (307)
Net Assets (100%)    
Applicable to 325,453,150 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   3,622,995
Net Asset Value Per Share   $11.13

12


Target Retirement Income Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 3,470,946
Undistributed Net Investment Income 1,952
Accumulated Net Realized Losses (41,576)
Unrealized Appreciation (Depreciation) 191,673
Net Assets 3,622,995

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.
See accompanying Notes, which are an integral part of the Financial Statements.

13


Target Retirement Income Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 81,997
Net Investment Income—Note B 81,997
Realized Net Gain (Loss) on Investment Securities Sold (549)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 185,970
Net Increase (Decrease) in Net Assets Resulting from Operations 267,418

See accompanying Notes, which are an integral part of the Financial Statements.

14


Target Retirement Income Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 81,997 55,500
Realized Net Gain (Loss) (549) (31,945)
Change in Unrealized Appreciation (Depreciation) 185,970 108,639
Net Increase (Decrease) in Net Assets Resulting from Operations 267,418 132,194
Distributions    
Net Investment Income (81,428) (55,814)
Realized Capital Gain — —
Total Distributions (81,428) (55,814)
Capital Share Transactions    
Issued 1,674,140 930,456
Issued in Lieu of Cash Distributions 77,463 52,709
Redeemed (777,327) (643,011)
Net Increase (Decrease) from Capital Share Transactions 974,276 340,154
Total Increase (Decrease) 1,160,266 416,534
Net Assets    
Beginning of Period 2,462,729 2,046,195
End of Period1 3,622,995 2,462,729
1 Net Assets—End of Period includes undistributed net investment income of $1,952,000 and $1,383,000.

See accompanying Notes, which are an integral part of the Financial Statements.

15


Target Retirement Income Fund

Financial Highlights

For a Share Outstanding     Year Ended September 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $10.49 $10.19 $11.08 $10.52 $10.52
Investment Operations          
Net Investment Income .288 .268 .427 .4301 .4391
Capital Gain Distributions Received — — — — .0031
Net Realized and Unrealized Gain (Loss)          
on Investments .640 .302 (.878) .540 .003
Total from Investment Operations .928 .570 (.451) .970 .445
Distributions          
Dividends from Net Investment Income (.288) (.270) (.439) (.410) (.430)
Distributions from Realized Capital Gains — — — — (.015)
Total Distributions (.288) (.270) (.439) (.410) (.445)
Net Asset Value, End of Period $11.13 $10.49 $10.19 $11.08 $10.52
 
Total Return2 8.97% 5.84% -4.23% 9.36% 4.36%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $3,623 $2,463 $2,046 $1,336 $822
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.17% 0.21% 0.19% 0.19% 0.21%
Ratio of Net Investment Income to          
Average Net Assets 2.70% 2.78% 4.11% 4.03% 4.21%
Portfolio Turnover Rate 12% 29%3 14% 3% 22%

1 Calculated based on average shares outstanding.
2 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
3 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

16


Target Retirement Income Fund

Notes to Financial Statements

Vanguard Target Retirement Income Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, bonds, and short-term reserves.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

17


Target Retirement Income Fund

For tax purposes, at September 30, 2010, the fund had $1,964,000 of ordinary income available for distribution. The fund had available capital loss carryforwards totaling $33,418,000 to offset future net capital gains of $4,561,000 through September 30, 2015, $5,771,000 through September 30, 2017, and $23,086,000 through September 30, 2018.

At September 30, 2010, the cost of investment securities for tax purposes was $3,439,799,000. Net unrealized appreciation of investment securities for tax purposes was $183,503,000, consisting of unrealized gains of $192,441,000 on securities that had risen in value since their purchase and $8,938,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $1,341,543,000 of investment securities and sold $366,323,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 155,610 96,222
Issued in Lieu of Cash Distributions 7,185 5,415
Redeemed (72,208) (67,527)
Net Increase (Decrease) in Shares Outstanding 90,587 34,110

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

18


Target Retirement 2005 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VTOVX
30-Day SEC Yield 1.88%
Acquired Fund Fees and Expenses1 0.17%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Bond Market II Index Fund  
Investor Shares 43.9%
Vanguard Total Stock Market Index Fund  
Investor Shares 28.0
Vanguard Inflation-Protected Securities  
Fund Investor Shares 17.4
Vanguard Prime Money Market Fund  
Investor Shares 3.7
Vanguard European Stock Index Fund  
Investor Shares 3.4
Vanguard Pacific Stock Index Fund  
Investor Shares 1.8
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 1.8

Total Fund Volatility Measures  
    DJ
  Target 2005 U.S. Total
  Composite Market
  Index Index
R-Squared 1.00 0.90
Beta 1.00 0.44
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2005 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.17%.

19


Target Retirement 2005 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: October 27, 2003, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
      Since Final Value
  One Five Inception of a $10,000
  Year Years  (10/27/2003) Investment
Target Retirement 2005 Fund 9.33% 4.26% 5.11% $14,125
Dow Jones U.S. Total Stock Market        
Index 11.51 1.37 4.47 13,538
Target 2005 Composite Index 9.41 4.29 5.17 14,176
Target 2005 Composite Average 10.08 3.32 4.36 13,439

Target 2005 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Treasury Inflation Protected Securities Index and the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, after which the Barclays Capital U.S. Aggregate Index was replaced by the Barclays Capital U.S. Aggregate Float Adjusted Index; for short-term reserves, the Citigroup Three-Month Treasury Bill Index; and for U.S. stocks, the Dow Jones Wilshire 5000 Index from inception through April 22, 2005, and the MSCI US Broad Market Index thereafter. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies.

Target 2005 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, Treasury inflation-protected securities funds average, international funds average, money market funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.

"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

20


Target Retirement 2005 Fund

Fiscal-Year Total Returns (%): October 27, 2003, Through September 30, 2010


21


Target Retirement 2005 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (100.0%)    
U.S. Stock Fund (28.0%)    
Vanguard Total Stock Market Index Fund Investor Shares 21,669,744 615,638
 
International Stock Funds (7.1%)    
Vanguard European Stock Index Fund Investor Shares 2,922,929 75,821
Vanguard Pacific Stock Index Fund Investor Shares 3,988,102 40,519
Vanguard Emerging Markets Stock Index Fund Investor Shares 1,413,706 40,488
    156,828
Bond Funds (61.2%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 89,178,025 962,231
Vanguard Inflation-Protected Securities Fund Investor Shares 28,792,471 382,076
    1,344,307
Money Market Fund (3.7%)    
Vanguard Prime Money Market Fund Investor Shares 81,132,766 81,133
Total Investment Companies (Cost $2,081,955)   2,197,906
Other Assets and Liabilities (0.0%)    
Other Assets   6,853
Liabilities   (6,809)
    44
Net Assets (100%)    
Applicable to 187,761,478 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   2,197,950
Net Asset Value Per Share   $11.71

22


Target Retirement 2005 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 2,123,404
Undistributed Net Investment Income 34,692
Accumulated Net Realized Losses (76,097)
Unrealized Appreciation (Depreciation) 115,951
Net Assets 2,197,950

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard.
See accompanying Notes, which are an integral part of the Financial Statements.

23


Target Retirement 2005 Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 55,145
Net Investment Income—Note B 55,145
Realized Net Gain (Loss) on Investment Securities Sold (5,672)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 132,956
Net Increase (Decrease) in Net Assets Resulting from Operations 182,429

See accompanying Notes, which are an integral part of the Financial Statements.

24


Target Retirement 2005 Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 55,145 46,436
Realized Net Gain (Loss) (5,672) (59,610)
Change in Unrealized Appreciation (Depreciation) 132,956 75,118
Net Increase (Decrease) in Net Assets Resulting from Operations 182,429 61,944
Distributions    
Net Investment Income (48,354) (65,673)
Realized Capital Gain — —
Total Distributions (48,354) (65,673)
Capital Share Transactions    
Issued 732,870 489,989
Issued in Lieu of Cash Distributions 47,561 64,712
Redeemed (531,282) (503,197)
Net Increase (Decrease) from Capital Share Transactions 249,149 51,504
Total Increase (Decrease) 383,224 47,775
Net Assets    
Beginning of Period 1,814,726 1,766,951
End of Period1 2,197,950 1,814,726
1 Net Assets—End of Period includes undistributed net investment income of $34,692,000 and $27,901,000.  

See accompanying Notes, which are an integral part of the Financial Statements.

25


Target Retirement 2005 Fund

Financial Highlights

For a Share Outstanding     Year Ended September 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $10.98 $10.99 $12.31 $11.38 $11.14
Investment Operations          
Net Investment Income .293 .303 .4391 .4201 .4081
Capital Gain Distributions Received — — — — .0021
Net Realized and Unrealized Gain (Loss)          
on Investments .714 .114 (1.379) .870 .149
Total from Investment Operations 1.007 .417 (.940) 1.290 .559
Distributions          
Dividends from Net Investment Income (.277) (.427) (.380) (.360) (.310)
Distributions from Realized Capital Gains — — — — (.009)
Total Distributions (.277) (.427) (.380) (.360) (.319)
Net Asset Value, End of Period $11.71 $10.98 $10.99 $12.31 $11.38
 
Total Return2 9.33% 4.33% -7.89% 11.56% 5.13%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $2,198 $1,815 $1,767 $1,473 $957
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.17% 0.21% 0.18% 0.19% 0.21%
Ratio of Net Investment Income to          
Average Net Assets 2.71% 2.95% 3.71% 3.56% 3.68%
Portfolio Turnover Rate 21% 44%3 21% 6% 19%
1 Calculated based on average shares outstanding.
2 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
3 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

26


Target Retirement 2005 Fund

Notes to Financial Statements

Vanguard Target Retirement 2005 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, bonds, and short-term reserves.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

27


Target Retirement 2005 Fund

For tax purposes, at September 30, 2010, the fund had $34,684,000 of ordinary income available for distribution. The fund had available capital loss carryforwards totaling $65,839,000 to offset future net capital gains of $4,418,000 through September 30, 2015, $4,802,000 through September 30, 2017, and $56,619,000 through September 30, 2018. In addition, the fund realized losses of $3,297,000 during the period from November 1, 2009, through September 30, 2010, which are deferred and will be treated as realized for tax purposes in fiscal 2011.

At September 30, 2010, the cost of investment securities for tax purposes was $2,088,909,000. Net unrealized appreciation of investment securities for tax purposes was $108,997,000, consisting of unrealized gains of $118,866,000 on securities that had risen in value since their purchase and $9,869,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $687,888,000 of investment securities and sold $431,514,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 65,509 49,211
Issued in Lieu of Cash Distributions 4,316 6,706
Redeemed (47,270) (51,532)
Net Increase (Decrease) in Shares Outstanding 22,555 4,385

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

28


Target Retirement 2010 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VTENX
30-Day SEC Yield 2.00%
Acquired Fund Fees and Expenses1 0.17%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Bond Market II Index Fund  
Investor Shares 40.3%
Vanguard Total Stock Market Index Fund  
Investor Shares 39.3
Vanguard Inflation-Protected Securities  
Fund Investor Shares 10.4
Vanguard European Stock Index Fund  
Investor Shares 4.8
Vanguard Pacific Stock Index Fund  
Investor Shares 2.5
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 2.5
Vanguard Prime Money Market Fund  
Investor Shares 0.2

Total Fund Volatility Measures  
    DJ
  Target 2010 U.S. Total
  Composite Market
  Index Index
R-Squared 1.00 0.95
Beta 1.00 0.57
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2010 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.17%.

29


Target Retirement 2010 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: June 7, 2006, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
    Since Final Value
  One Inception of a $10,000
  Year (6/7/2006) Investment
Target Retirement 2010 Fund 9.83% 4.24% $11,962
Dow Jones U.S. Total Stock Market      
Index 11.51 0.58 10,251
Target 2010 Composite Index 9.97 4.18 11,934
Target 2010 Composite Average 10.70 3.14 11,429

Target 2010 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Treasury Inflation Protected Securities Index and the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, after which the Barclays Capital U.S. Aggregate Index was replaced by the Barclays Capital U.S. Aggregate Float Adjusted Index; and for U.S. stocks, the MSCI US Broad Market Index. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies.

Target 2010 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, Treasury inflation-protected securities funds average, international funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.

"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

30


Target Retirement 2010 Fund

Fiscal-Year Total Returns (%): June 7, 2006, Through September 30, 2010


31


Target Retirement 2010 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (100.1%)    
U.S. Stock Fund (39.4%)    
Vanguard Total Stock Market Index Fund Investor Shares 58,843,136 1,671,733
 
International Stock Funds (9.8%)    
Vanguard European Stock Index Fund Investor Shares 7,820,056 202,852
Vanguard Pacific Stock Index Fund Investor Shares 10,644,278 108,146
Vanguard Emerging Markets Stock Index Fund Investor Shares 3,741,190 107,148
    418,146
Bond Funds (50.7%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 158,702,678 1,712,402
Vanguard Inflation-Protected Securities Fund Investor Shares 33,162,744 440,070
    2,152,472
Money Market Funds (0.2%)    
Vanguard Prime Money Market Fund Investor Shares 6,871,275 6,871
1 Vanguard Market Liquidity Fund, 0.261% 734,889 735
    7,606
Total Investment Companies (Cost $4,213,483)   4,249,957
Other Assets and Liabilities (-0.1%)    
Other Assets   27,888
Liabilities   (31,313)
    (3,425)
Net Assets (100%)    
Applicable to 194,204,805 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   4,246,532
Net Asset Value Per Share   $21.87

32


Target Retirement 2010 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 4,212,840
Undistributed Net Investment Income 63,960
Accumulated Net Realized Losses (66,742)
Unrealized Appreciation (Depreciation) 36,474
Net Assets 4,246,532

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.
See accompanying Notes, which are an integral part of the Financial Statements.

33


Target Retirement 2010 Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 99,252
Net Investment Income—Note B 99,252
Realized Net Gain (Loss) on Investment Securities Sold (24,327)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 274,253
Net Increase (Decrease) in Net Assets Resulting from Operations 349,178

See accompanying Notes, which are an integral part of the Financial Statements.

34


Target Retirement 2010 Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 99,252 76,525
Realized Net Gain (Loss) (24,327) (33,417)
Change in Unrealized Appreciation (Depreciation) 274,253 72,719
Net Increase (Decrease) in Net Assets Resulting from Operations 349,178 115,827
Distributions    
Net Investment Income (80,923) (84,814)
Realized Capital Gain — —
Total Distributions (80,923) (84,814)
Capital Share Transactions    
Issued 1,813,457 1,116,594
Issued in Lieu of Cash Distributions 80,380 84,413
Redeemed (980,136) (734,153)
Net Increase (Decrease) from Capital Share Transactions 913,701 466,854
Total Increase (Decrease) 1,181,956 497,867
Net Assets    
Beginning of Period 3,064,576 2,566,709
End of Period1 4,246,532 3,064,576
1 Net Assets—End of Period includes undistributed net investment income of $63,960,000 and $45,631,000.  

See accompanying Notes, which are an integral part of the Financial Statements.

35


Target Retirement 2010 Fund

Financial Highlights

         
          June 7,
     20061, to
For a Share Outstanding     Year Ended September 30, Sept. 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $20.39 $20.47 $23.54 $21.01 $20.00
Investment Operations          
Net Investment Income .520 .553 .7442 .7302 .2302
Capital Gain Distributions Received — — — — —
Net Realized and Unrealized Gain (Loss)          
on Investments 1.455 .046 (3.354) 1.980 .780
Total from Investment Operations 1.975 .599 (2.610) 2.710 1.010
Distributions          
Dividends from Net Investment Income (.495) (.679) (.460) (.180) —
Distributions from Realized Capital Gains — — — — —
Total Distributions (.495) (.679) (.460) (.180) —
Net Asset Value, End of Period $21.87 $20.39 $20.47 $23.54 $21.01
 
Total Return3 9.83% 3.47% -11.30% 12.96% 5.05%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $4,247 $3,065 $2,567 $1,297 $75
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.17% 0.21% 0.19% 0.20% 0.20%4
Ratio of Net Investment Income to          
Average Net Assets 2.67% 3.15% 3.34% 3.26% 2.89%4
Portfolio Turnover Rate 19% 41%5 18% 4% 4%

1 Inception.
2 Calculated based on average shares outstanding.
3 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
4 Annualized.
5 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

36


Target Retirement 2010 Fund

Notes to Financial Statements

Vanguard Target Retirement 2010 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, and bonds.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences are primarily attributed to tax deferral of losses on wash sales and will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

37


Target Retirement 2010 Fund

For tax purposes, at September 30, 2010, the fund had $63,980,000 of ordinary income available for distribution. The fund had available capital loss carryforwards totaling $31,681,000 to offset future net capital gains of $5,639,000 through September 30, 2017, and $26,042,000 through September 30, 2018. In addition, the fund realized losses of $7,238,000 during the period from November 1, 2009, through September 30, 2010, which are deferred and will be treated as realized for tax purposes in fiscal 2011.

At September 30, 2010, the cost of investment securities for tax purposes was $4,241,326,000. Net unrealized appreciation of investment securities for tax purposes was $8,631,000, consisting of unrealized gains of $151,192,000 on securities that had risen in value since their purchase and $142,561,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $1,628,159,000 of investment securities and sold $692,465,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 86,856 61,637
Issued in Lieu of Cash Distributions 3,896 4,824
Redeemed (46,824) (41,592)
Net Increase (Decrease) in Shares Outstanding 43,928 24,869

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

38

 

Target Retirement 2015 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VTXVX
30-Day SEC Yield 2.05%
Acquired Fund Fees and Expenses1 0.17%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Stock Market Index Fund  
Investor Shares 47.3%
Vanguard Total Bond Market II Index Fund  
Investor Shares 39.9
Vanguard European Stock Index Fund  
Investor Shares 5.9
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 3.2
Vanguard Pacific Stock Index Fund  
Investor Shares 3.2
Vanguard Inflation-Protected Securities  
Fund Investor Shares 0.5

Total Fund Volatility Measures  
    DJ
  Target 2015 U.S. Total
  Composite Market
  Index Index
R-Squared 1.00 0.97
Beta 1.00 0.65
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2015 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.17%.

39


Target Retirement 2015 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: October 27, 2003, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
      Since Final Value
  One Five Inception of a $10,000
  Year Years  (10/27/2003) Investment
Target Retirement 2015 Fund 9.92% 3.59% 5.08% $14,094
Dow Jones U.S. Total Stock Market        
Index 11.51 1.37 4.47 13,538
Target 2015 Composite Index 10.10 3.51 5.04 14,061
Target 2015 Composite Average 10.89 2.72 4.36 13,439

Target 2015 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, and the Barclays Capital U.S. Aggregate Float Adjusted Index thereafter; and for U.S. stocks, the Dow Jones Wilshire 5000 Index from inception through April 22, 2005, and the MSCI US Broad Market Index thereafter. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies.

Target 2015 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, international funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.

"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

40


Target Retirement 2015 Fund

Fiscal-Year Total Returns (%): October 27, 2003, Through September 30, 2010


41


Target Retirement 2015 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (100.0%)    
U.S. Stock Fund (47.4%)    
Vanguard Total Stock Market Index Fund Investor Shares 208,054,844 5,910,838
 
International Stock Funds (12.2%)    
Vanguard European Stock Index Fund Investor Shares 28,326,849 734,799
Vanguard Emerging Markets Stock Index Fund Investor Shares 13,719,901 392,938
Vanguard Pacific Stock Index Fund Investor Shares 38,664,587 392,832
    1,520,569
Bond Funds (40.4%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 461,042,038 4,974,644
Vanguard Inflation-Protected Securities Fund Investor Shares 4,287,455 56,894
    5,031,538
Total Investment Companies (Cost $12,089,397)   12,462,945
Temporary Cash Investment (0.0%)    
Money Market Fund (0.0%)    
1 Vanguard Market Liquidity Fund, 0.261% (Cost $1,293) 1,293,387 1,293
Total Investments (100.0%) (Cost $12,090,690)   12,464,238
Other Assets and Liabilities (0.0%)    
Other Assets   41,244
Liabilities   (39,606)
    1,638
Net Assets (100%)    
Applicable to 1,036,134,924 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   12,465,876
Net Asset Value Per Share   $12.03

42


Target Retirement 2015 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 12,081,125
Undistributed Net Investment Income 186,785
Accumulated Net Realized Losses (175,582)
Unrealized Appreciation (Depreciation) 373,548
Net Assets 12,465,876

See Note A in Notes to Financial Statements.

1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.

See accompanying Notes, which are an integral part of the Financial Statements.

43


Target Retirement 2015 Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 288,630
Net Investment Income—Note B 288,630
Realized Net Gain (Loss) on Investment Securities Sold (31,485)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 806,619
Net Increase (Decrease) in Net Assets Resulting from Operations 1,063,764

See accompanying Notes, which are an integral part of the Financial Statements.

44


Target Retirement 2015 Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 288,630 246,540
Realized Net Gain (Loss) (31,485) (91,822)
Change in Unrealized Appreciation (Depreciation) 806,619 219,284
Net Increase (Decrease) in Net Assets Resulting from Operations 1,063,764 374,002
Distributions    
Net Investment Income (247,227) (258,747)
Realized Capital Gain — —
Total Distributions (247,227) (258,747)
Capital Share Transactions    
Issued 3,937,991 2,786,028
Issued in Lieu of Cash Distributions 246,248 257,600
Redeemed (2,042,392) (1,454,916)
Net Increase (Decrease) from Capital Share Transactions 2,141,847 1,588,712
Total Increase (Decrease) 2,958,384 1,703,967
Net Assets    
Beginning of Period 9,507,492 7,803,525
End of Period1 12,465,876 9,507,492
1 Net Assets—End of Period includes undistributed net investment income of $186,785,000 and $145,382,000.

See accompanying Notes, which are an integral part of the Financial Statements.

45

 

Target Retirement 2015 Fund

Financial Highlights

For a Share Outstanding     Year Ended September 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $11.21 $11.34 $13.49 $12.10 $11.54
Investment Operations          
Net Investment Income .285 .307 .3801 .3801 .3561
Capital Gain Distributions Received — — — — —
Net Realized and Unrealized Gain (Loss)          
on Investments .811 (.072) (2.190) 1.320 .466
Total from Investment Operations 1.096 .235 (1.810) 1.700 .822
Distributions          
Dividends from Net Investment Income (.276) (.365) (.340) (.310) (.260)
Distributions from Realized Capital Gains — — — — (.002)
Total Distributions (.276) (.365) (.340) (.310) (.262)
Net Asset Value, End of Period $12.03 $11.21 $11.34 $13.49 $12.10
 
Total Return2 9.92% 2.66% -13.75% 14.25% 7.25%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $12,466 $9,507 $7,804 $6,619 $3,720
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.17% 0.21% 0.18% 0.19% 0.21%
Ratio of Net Investment Income to          
Average Net Assets 2.62% 3.31% 3.02% 2.93% 3.04%
Portfolio Turnover Rate 19% 37%3 24% 5% 15%

1 Calculated based on average shares outstanding.
2 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
3 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

46


Target Retirement 2015 Fund

Notes to Financial Statements

Vanguard Target Retirement 2015 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, and bonds.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences are primarily attributed to tax deferral of losses on wash sales and will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

47


Target Retirement 2015 Fund

For tax purposes, at September 30, 2010, the fund had $186,851,000 of ordinary income available for distribution. The fund had available capital loss carryforwards totaling $109,108,000 to offset future net capital gains of $15,575,000 through September 30, 2015, $16,755,000 through September 30, 2017, and $76,778,000 through September 30, 2018. In addition, the fund realized losses of $3,723,000 during the period from November 1, 2009, through September 30, 2010, which are deferred and will be treated as realized for tax purposes in fiscal 2011.

At September 30, 2010, the cost of investment securities for tax purposes was $12,153,507,000. Net unrealized appreciation of investment securities for tax purposes was $310,731,000, consisting of unrealized gains of $414,620,000 on securities that had risen in value since their purchase and $103,889,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $4,319,635,000 of investment securities and sold $2,131,233,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 343,338 285,886
Issued in Lieu of Cash Distributions 21,639 27,202
Redeemed (177,195) (152,578)
Net Increase (Decrease) in Shares Outstanding 187,782 160,510

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

48


Target Retirement 2020 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VTWNX
30-Day SEC Yield 2.08%
Acquired Fund Fees and Expenses1 0.18%
 
Allocation to Underlying Vanguard Funds
Vanguard Total Stock Market Index Fund  
Investor Shares 53.7%
Vanguard Total Bond Market II Index Fund  
Investor Shares 33.0
Vanguard European Stock Index Fund  
Investor Shares 6.5
Vanguard Pacific Stock Index Fund  
Investor Shares 3.4
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 3.4

Total Fund Volatility Measures  
    DJ
  Target 2020 U.S. Total
  Composite Market
  Index Index
R-Squared 1.00 0.98
Beta 1.00 0.73
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2020 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.17%.

49


Target Retirement 2020 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: June 7, 2006, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
    Since Final Value
  One Inception of a $10,000
  Year (6/7/2006) Investment
Target Retirement 2020 Fund 10.04% 3.23% $11,471
Dow Jones U.S. Total Stock Market      
Index 11.51 0.58 10,251
Target 2020 Composite Index 10.20 3.16 11,435
Target 2020 Composite Average 10.93 2.33 11,045

Target 2020 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, and the Barclays Capital U.S. Aggregate Float Adjusted Index thereafter; and for U.S. stocks, the MSCI US Broad Market Index. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies. Target 2020 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, international funds average, and emerging markets funds average. Derived from data provided by Lipper Inc. "Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

50


Target Retirement 2020 Fund

Fiscal-Year Total Returns (%): June 7, 2006, Through September 30, 2010


51


Target Retirement 2020 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (99.9%)    
U.S. Stock Fund (53.6%)    
Vanguard Total Stock Market Index Fund Investor Shares 167,685,076 4,763,933
 
International Stock Funds (13.4%)    
Vanguard European Stock Index Fund Investor Shares 22,343,236 579,583
Vanguard Pacific Stock Index Fund Investor Shares 30,078,204 305,595
Vanguard Emerging Markets Stock Index Fund Investor Shares 10,661,881 305,356
    1,190,534
Bond Fund (32.9%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 271,552,259 2,930,049
Total Investment Companies (Cost $8,710,347)   8,884,516
Temporary Cash Investment (0.0%)    
Money Market Fund (0.0%)    
1 Vanguard Market Liquidity Fund, 0.261% (Cost $1,219) 1,219,011 1,219
Total Investments (99.9%) (Cost $8,711,566)   8,885,735
Other Assets and Liabilities (0.1%)    
Other Assets   94,147
Liabilities   (89,670)
    4,477
Net Assets (100%)    
Applicable to 419,983,851 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   8,890,212
Net Asset Value Per Share   $21.17

52


Target Retirement 2020 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 8,674,935
Undistributed Net Investment Income 119,964
Accumulated Net Realized Losses (78,856)
Unrealized Appreciation (Depreciation) 174,169
Net Assets 8,890,212

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.
See accompanying Notes, which are an integral part of the Financial Statements.

53


Target Retirement 2020 Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 184,448
Net Investment Income—Note B 184,448
Realized Net Gain (Loss) on Investment Securities Sold (47,295)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 578,699
Net Increase (Decrease) in Net Assets Resulting from Operations 715,852

See accompanying Notes, which are an integral part of the Financial Statements.

54


Target Retirement 2020 Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 184,448 129,443
Realized Net Gain (Loss) (47,295) (22,122)
Change in Unrealized Appreciation (Depreciation) 578,699 168,763
Net Increase (Decrease) in Net Assets Resulting from Operations 715,852 276,084
Distributions    
Net Investment Income (141,070) (114,758)
Realized Capital Gain — —
Total Distributions (141,070) (114,758)
Capital Share Transactions    
Issued 3,687,694 2,336,391
Issued in Lieu of Cash Distributions 140,582 114,502
Redeemed (1,218,557) (765,505)
Net Increase (Decrease) from Capital Share Transactions 2,609,719 1,685,388
Total Increase (Decrease) 3,184,501 1,846,714
Net Assets    
Beginning of Period 5,705,711 3,858,997
End of Period1 8,890,212 5,705,711
1 Net Assets—End of Period includes undistributed net investment income of $119,964,000 and $76,586,000.

See accompanying Notes, which are an integral part of the Financial Statements.

55


Target Retirement 2020 Fund

Financial Highlights

         
          June 7,
     20061, to
For a Share Outstanding     Year Ended September 30, Sept. 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $19.66 $20.03 $24.15 $21.14 $20.00
Investment Operations          
Net Investment Income .5102 .5392 .6192 .6002 .1902
Capital Gain Distributions Received — — — — —
Net Realized and Unrealized Gain (Loss)          
on Investments 1.440 (.360) (4.329) 2.600 .950
Total from Investment Operations 1.950 .179 (3.710) 3.200 1.140
Distributions          
Dividends from Net Investment Income (.440) (.549) (.410) (.190) —
Distributions from Realized Capital Gains — — — — —
Total Distributions (.440) (.549) (.410) (.190) —
Net Asset Value, End of Period $21.17 $19.66 $20.03 $24.15 $21.14
 
Total Return3 10.04% 1.44% -15.61% 15.21% 5.70%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $8,890 $5,706 $3,859 $1,719 $117
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.17% 0.21% 0.19% 0.20% 0.20%4
Ratio of Net Investment Income to          
Average Net Assets 2.51% 3.19% 2.79% 2.61% 2.24%4
Portfolio Turnover Rate 14% 27%5 15% 4% 2%

1 Inception.
2 Calculated based on average shares outstanding.
3 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
4 Annualized.
5 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

56


Target Retirement 2020 Fund

Notes to Financial Statements

Vanguard Target Retirement 2020 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, and bonds.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences are primarily attributed to tax deferral of losses on wash sales and will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

57


Target Retirement 2020 Fund

For tax purposes, at September 30, 2010, the fund had $119,987,000 of ordinary income available for distribution. The fund had available capital loss carryforwards totaling $27,420,000 to offset future net capital gains of $6,167,000 through September 30, 2017, and $21,253,000 through September 30, 2018. In addition, the fund realized losses of $3,604,000 during the period from November 1, 2009, through September 30, 2010, which are deferred and will be treated as realized for tax purposes in fiscal 2011.

At September 30, 2010, the cost of investment securities for tax purposes was $8,759,421,000. Net unrealized appreciation of investment securities for tax purposes was $126,314,000, consisting of unrealized gains of $217,942,000 on securities that had risen in value since their purchase and $91,628,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $3,649,100,000 of investment securities and sold $996,018,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 182,806 136,945
Issued in Lieu of Cash Distributions 6,998 6,978
Redeemed (60,060) (46,344)
Net Increase (Decrease) in Shares Outstanding 129,744 97,579

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

58


Target Retirement 2025 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VTTVX
30-Day SEC Yield 2.10%
Acquired Fund Fees and Expenses1 0.18%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Stock Market Index Fund  
Investor Shares 59.5%
Vanguard Total Bond Market II Index Fund  
Investor Shares 25.3
Vanguard European Stock Index Fund  
Investor Shares 7.4
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 3.9
Vanguard Pacific Stock Index Fund  
Investor Shares 3.9

Total Fund Volatility Measures  
    DJ
  Target 2025 U.S. Total
  Composite Market
  Index Index
R-Squared 1.00 0.98
Beta 1.00 0.80
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2025 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.18%.

59


Target Retirement 2025 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: October 27, 2003, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
      Since Final Value
  One Five Inception of a $10,000
  Year Years (10/27/2003) Investment
Target Retirement 2025 Fund 10.12% 2.74% 4.77% $13,805
Dow Jones U.S. Total Stock Market        
Index 11.51 1.37 4.47 13,538
Target 2025 Composite Index 10.29 2.70 4.74 13,783
Target 2025 Composite Average 10.96 2.07 4.16 13,266

Target 2025 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, and the Barclays Capital U.S. Aggregate Float Adjusted Index thereafter; and for U.S. stocks, the Dow Jones Wilshire 5000 Index from inception through April 22, 2005, and the MSCI US Broad Market Index thereafter. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies.

Target 2025 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, international funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.

"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

60


Target Retirement 2025 Fund

Fiscal-Year Total Returns (%): October 27, 2003, Through September 30, 2010


61


Target Retirement 2025 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (100.0%)    
U.S. Stock Fund (59.5%)    
Vanguard Total Stock Market Index Fund Investor Shares 285,846,668 8,120,904
 
International Stock Funds (15.2%)    
Vanguard European Stock Index Fund Investor Shares 38,749,572 1,005,164
Vanguard Emerging Markets Stock Index Fund Investor Shares 18,727,648 536,360
Vanguard Pacific Stock Index Fund Investor Shares 52,576,059 534,172
    2,075,696
Bond Fund (25.3%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 319,446,501 3,446,828
Total Investment Companies (Cost $13,374,642)   13,643,428
Temporary Cash Investment (0.0%)    
Money Market Fund (0.0%)    
1 Vanguard Market Liquidity Fund, 0.261% (Cost $3,482) 3,482,235 3,482
Total Investments (100.0%) (Cost $13,378,124)   13,646,910
Other Assets and Liabilities (0.0%)    
Other Assets   50,230
Liabilities   (44,652)
    5,578
Net Assets (100%)    
Applicable to 1,140,165,493 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   13,652,488
Net Asset Value Per Share   $11.97

62


Target Retirement 2025 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 13,328,431
Undistributed Net Investment Income 174,601
Accumulated Net Realized Losses (119,330)
Unrealized Appreciation (Depreciation) 268,786
Net Assets 13,652,488

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.
See accompanying Notes, which are an integral part of the Financial Statements.

63


Target Retirement 2025 Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 284,420
Net Investment Income—Note B 284,420
Realized Net Gain (Loss) on Investment Securities Sold (30,823)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 902,782
Net Increase (Decrease) in Net Assets Resulting from Operations 1,156,379

See accompanying Notes, which are an integral part of the Financial Statements.

64


Target Retirement 2025 Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 284,420 229,825
Realized Net Gain (Loss) (30,823) (38,499)
Change in Unrealized Appreciation (Depreciation) 902,782 128,992
Net Increase (Decrease) in Net Assets Resulting from Operations 1,156,379 320,318
Distributions    
Net Investment Income (237,667) (228,472)
Realized Capital Gain — —
Total Distributions (237,667) (228,472)
Capital Share Transactions    
Issued 4,234,050 2,825,666
Issued in Lieu of Cash Distributions 236,845 227,487
Redeemed (1,668,731) (982,865)
Net Increase (Decrease) from Capital Share Transactions 2,802,164 2,070,288
Total Increase (Decrease) 3,720,876 2,162,134
Net Assets    
Beginning of Period 9,931,612 7,769,478
End of Period1 13,652,488 9,931,612
1 Net Assets—End of Period includes undistributed net investment income of $174,601,000 and $127,848,000.

See accompanying Notes, which are an integral part of the Financial Statements.

65


Target Retirement 2025 Fund

Financial Highlights

For a Share Outstanding     Year Ended September 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $11.11 $11.49 $14.26 $12.51 $11.80
Investment Operations          
Net Investment Income .262 .279 .307 .300 .3211
Capital Gain Distributions Received — — — — —
Net Realized and Unrealized Gain (Loss)          
on Investments .850 (.336) (2.767) 1.740 .630
Total from Investment Operations 1.112 (.057) (2.460) 2.040 .951
Distributions          
Dividends from Net Investment Income (.252) (.323) (.310) (.290) (.240)
Distributions from Realized Capital Gains — — — — (.001)
Total Distributions (.252) (.323) (.310) (.290) (.241)
Net Asset Value, End of Period $11.97 $11.11 $11.49 $14.26 $12.51
 
Total Return2 10.12% 0.10% -17.61% 16.51% 8.18%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $13,652 $9,932 $7,769 $6,721 $3,957
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.18% 0.21% 0.18% 0.19% 0.21%
Ratio of Net Investment Income to          
Average Net Assets 2.42% 3.09% 2.59% 2.43% 2.66%
Portfolio Turnover Rate 11% 21%3 17% 4% 22%

1 Calculated based on average shares outstanding.
2 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
3 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

66


Target Retirement 2025 Fund

Notes to Financial Statements

Vanguard Target Retirement 2025 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, and bonds.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

67


Target Retirement 2025 Fund

For tax purposes, at September 30, 2010, the fund had $174,663,000 of ordinary income available for distribution. The fund had available capital loss carryforwards totaling $76,280,000 to offset future net capital gains of $27,716,000 through September 30, 2015, $17,011,000 through September 30, 2017, and $31,553,000 through September 30, 2018. In addition, the fund realized losses of $3,566,000 during the period from November 1, 2009, through September 30, 2010, which are deferred and will be treated as realized for tax purposes in fiscal 2011.

At September 30, 2010, the cost of investment securities for tax purposes was $13,417,670,000. Net unrealized appreciation of investment securities for tax purposes was $229,240,000, consisting of unrealized gains of $326,288,000 on securities that had risen in value since their purchase and $97,048,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $4,155,157,000 of investment securities and sold $1,307,150,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 371,227 298,327
Issued in Lieu of Cash Distributions 20,776 24,835
Redeemed (145,642) (105,351)
Net Increase (Decrease) in Shares Outstanding 246,361 217,811

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

68


Report of Independent Registered
Public Accounting Firm

To the Trustees of Vanguard Chester Funds and the Shareholders of Vanguard Target Retirement Income Fund, Vanguard Target Retirement 2005 Fund, Vanguard Target Retirement 2010 Fund, Vanguard Target Retirement 2015 Fund, Vanguard Target Retirement 2020 Fund and Vanguard Target Retirement 2025 Fund:

In our opinion, the accompanying statements of net assets and the related statements of operations and of changes in net assets and the financial highlights present fairly, in all material respects, the financial position of Vanguard Target Retirement Income Fund, Vanguard Target Retirement 2005 Fund, Vanguard Target Retirement 2010 Fund, Vanguard Target Retirement 2015 Fund, Vanguard Target Retirement 2020 Fund and Vanguard Target Retirement 2025 Fund (constituting six separate portfolios of Vanguard Chester Funds, hereafter referred to as the “Funds”) at September 30, 2010, the results of each of their operations for the year then ended, the changes in each of their net assets for each of the two years in the period then ended and the financial highlights for each of the periods indicated, in conformity with accounting principles generally accepted in the United States of America. These financial statements and financial highlights (hereafter re ferred to as “financial statements”) are the responsibility of the Funds’ management; our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits of these financial statements in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation. We believe that our audits, which included confirmation of securities at September 30, 2010 by agreement to the underlying ownership records of the Vanguard funds, provide a reasonable basis for our opinion.

PricewaterhouseCoopers LLP
Philadelphia, Pennsylvania

November 8, 2010

69


Special 2010 tax information (unaudited) for Target Retirement Funds

This information for the fiscal year ended September 30, 2010, is included pursuant to provisions of the Internal Revenue Code.

The funds distributed qualified dividend income to shareholders during the fiscal year as follows:

  Qualified Dividend Income
Fund ($000)
Target Retirement Income Fund 17,165
Target Retirement 2005 Fund 14,588
Target Retirement 2010 Fund 32,798
Target Retirement 2015 Fund 118,620
Target Retirement 2020 Fund 79,634
Target Retirement 2025 Fund 152,559

For corporate shareholders, the percentage of investment income (dividend income plus short-term gains, if any) that qualifies for the dividends-received deduction is as follows:

Fund Percentage
Target Retirement Income Fund 17.0%
Target Retirement 2005 Fund 20.1
Target Retirement 2010 Fund 28.5
Target Retirement 2015 Fund 34.8
Target Retirement 2020 Fund 41.3
Target Retirement 2025 Fund 47.2

70


Your Fund’s After-Tax Returns

This table presents returns for your fund both before and after taxes. The after-tax returns are shown in two ways: (1) assuming that an investor owned the fund during the entire period and paid taxes on the fund’s distributions, and (2) assuming that an investor paid taxes on the fund’s distributions and sold all shares at the end of each period.

Calculations are based on the highest individual federal income tax and capital gains tax rates in effect at the times of the distributions and the hypothetical sales. State and local taxes were not considered. After-tax returns reflect any qualified dividend income , using actual prior-year figures and estimates for 2010. (In the example, returns after the sale of fund shares may be higher than those assuming no sale. This occurs when the sale would have produced a capital loss. The calculation assumes that the investor received a tax deduction for the loss.) Please note that your actual after-tax returns will depend on your tax situation and may differ from those shown. Also note that if you own the fund in a tax-deferred account, such as an individual retirement account or a 401(k) plan, this information does not apply to you. Such accounts are not subject to current taxes.

Finally, keep in mind that a fund’s performance—whether before or after taxes—does not guarantee future results.

Average Annual Total Returns: Target Retirement Funds
Periods Ended September 30, 2010

      Since
  One Five Inception
  Year Years (10/27/2003)
Target Retirement Income Fund      
Returns Before Taxes 8.97% 4.74% 5.14%
Returns After Taxes on Distributions 8.08 3.59 3.98
Returns After Taxes on Distributions and Sale of Fund Shares 5.92 3.42 3.77
 
      Since
  One Five Inception
  Year Years (10/27/2003)
Target Retirement 2005 Fund      
Returns Before Taxes 9.33% 4.26% 5.11%
Returns After Taxes on Distributions 8.55 3.28 4.26
Returns After Taxes on Distributions and Sale of Fund Shares 6.19 3.11 3.94

71


Average Annual Total Returns: Target Retirement Funds
Periods Ended September 30, 2010

    Since 
  One  Inception 
  Year  (6/7/2006) 
Target Retirement 2010 Fund     
Returns Before Taxes  9.83%  4.24% 
Returns After Taxes on Distributions  9.14  3.65 
Returns After Taxes on Distributions and Sale of Fund Shares  6.56  3.34 

      Since 
  One  Five  Inception 
  Year  Years  (10/27/2003) 
Target Retirement 2015 Fund       
Returns Before Taxes  9.92%  3.59%  5.08% 
Returns After Taxes on Distributions  9.26  2.84  4.43 
Returns After Taxes on Distributions and Sale of Fund Shares  6.66  2.71  4.07 

    Since 
  One  Inception 
  Year  (6/7/2006) 
Target Retirement 2020 Fund     
Returns Before Taxes  10.04%  3.23% 
Returns After Taxes on Distributions  9.48  2.77 
Returns After Taxes on Distributions and Sale of Fund Shares  6.76  2.56 

      Since 
  One  Five  Inception 
  Year  Years  (10/27/2003) 
Target Retirement 2025 Fund       
Returns Before Taxes  10.12%  2.74%  4.77% 
Returns After Taxes on Distributions  9.59  2.15  4.25 
Returns After Taxes on Distributions and Sale of Fund Shares  6.85  2.10  3.90 

72


About Your Fund’s Expenses

As a shareholder of the fund, you incur ongoing costs, which include costs for portfolio management, administrative services, and shareholder reports (like this one), among others. Operating expenses, which are deducted from a fund’s gross income, directly reduce the investment return of the fund.

A typical fund’s expenses are expressed as a percentage of its average net assets. The Target Retirement Funds have no direct expenses, but each fund bears its proportionate share of the costs for the underlying funds in which it invests. These indirect expenses make up the acquired fund fees and expenses, also expressed as a percentage of average net assets.

The following examples are intended to help you understand the ongoing cost (in dollars) of investing in your fund and to compare these costs with those of other mutual funds. The examples are based on an investment of $1,000 made at the beginning of the period shown and held for the entire period. The costs were calculated using the acquired fund fees and expenses for each Target Retirement Fund.

The accompanying table illustrates your fund’s costs in two ways:

• Based on actual fund return. This section helps you to estimate the actual expenses that you paid over the period. The ”Ending Account Value“ shown is derived from the fund‘s actual return, and the third column shows the dollar amount that would have been paid by an investor who started with $1,000 in the fund. You may use the information here, together with the amount you invested, to estimate the expenses that you paid over the period.

To do so, simply divide your account value by $1,000 (for example, an $8,600 account value divided by $1,000 = 8.6), then multiply the result by the number given for your fund under the heading ”Expenses Paid During Period.“

• Based on hypothetical 5% yearly return. This section is intended to help you compare your fund‘s costs with those of other mutual funds. It assumes that the fund had a yearly return of 5% before expenses, but that the expense ratio is unchanged. In this case—because the return used is not the fund’s actual return—the results do not apply to your investment. The example is useful in making comparisons because the Securities and Exchange Commission requires all mutual funds to calculate expenses based on a 5% return. You can assess your fund’s costs by comparing this hypothetical example with the hypothetical examples that appear in shareholder reports of other funds.

Note that the expenses shown in the table are meant to highlight and help you compare ongoing costs only and do not reflect transaction costs incurred by the fund for buying and selling securities. Further, the expenses do not include the account service fee described in the prospectus. If such a fee were applied to your account, your costs would be higher. Your fund does not charge transaction fees, such as purchase or redemption fees, nor does it carry a “sales load.” The calculations assume no shares were bought or sold during the period. Your actual costs may have been higher or lower, depending on the amount of your investment and the timing of any purchases or redemptions.

You can find more information about the fund’s expenses, including annual expense ratios, in the Financial Statements section of this report. For additional information on operating expenses and other shareholder costs, please refer to your fund’s current prospectus.

73


Six Months Ended September 30, 2010      
  Beginning Ending Expenses
  Account Value Account Value Paid During
  3/31/2010 9/30/2010 Period
Based on Actual Fund Return      
Target Retirement Income Fund $1,000.00 $1,042.23 $0.87
Target Retirement 2005 Fund $1,000.00 $1,038.12 $0.87
Target Retirement 2010 Fund $1,000.00 $1,031.12 $0.87
Target Retirement 2015 Fund $1,000.00 $1,024.70 $0.86
Target Retirement 2020 Fund $1,000.00 $1,019.26 $0.86
Target Retirement 2025 Fund $1,000.00 $1,013.55 $0.91
Based on Hypothetical 5% Yearly Return      
Target Retirement Income Fund $1,000.00 $1,024.22 $0.86
Target Retirement 2005 Fund $1,000.00 $1,024.22 $0.86
Target Retirement 2010 Fund $1,000.00 $1,024.22 $0.86
Target Retirement 2015 Fund $1,000.00 $1,024.22 $0.86
Target Retirement 2020 Fund $1,000.00 $1,024.22 $0.86
Target Retirement 2025 Fund $1,000.00 $1,024.17 $0.91

The calculations are based on the acquired fund fees and expenses for the most recent six-month period. The funds’ annualized expense figures for that period are (in order as listed from top to bottom above) 0.17%, 0.17%, 0.17%, 0.17%, 0.17%, and 0.18%. The dollar amounts shown as ”Expenses Paid” are equal to the annualized expense figures for the underlying funds multiplied by the average account value over the period, multiplied by the number of days in the most recent six-month period, then divided by the number of days in the most recent 12-month period.

74


Glossary

30-Day SEC Yield. A fund’s 30-day SEC yield is derived using a formula specified by the U.S. Securities and Exchange Commission. Under the formula, data related to the fund’s security holdings in the previous 30 days are used to calculate the fund’s hypothetical net income for that period, which is then annualized and divided by the fund’s estimated average net assets over the calculation period. For the purposes of this calculation, a security’s income is based on its current market yield to maturity (in the case of bonds) or its projected dividend yield (for stocks). Because the SEC yield represents hypothetical annualized income, it will differ—at times significantly—from the fund’s actual experience. As a result, the fund’s income distributions may be higher or lower than implied by the SEC yield.

Acquired Fund Fees and Expenses. Funds that invest in other Vanguard funds incur no direct expenses, but they do bear proportionate shares of the operating, administrative, and advisory expenses of the underlying funds, and they must pay any fees charged by those funds. The figure for acquired fund fees and expenses represents a weighted average of these underlying costs. Acquired is a term that the Securities and Exchange Commission applies to any mutual fund whose shares are owned by another fund.

Beta. A measure of the magnitude of a fund’s past share-price fluctuations in relation to the ups and downs of a given market index. The index is assigned a beta of 1.00. Compared with a given index, a fund with a beta of 1.20 typically would have seen its share price rise or fall by 12% when the index rose or fell by 10%. For this report, beta is based on returns over the past 36 months for both the fund and the index. Note that a fund’s beta should be reviewed in conjunction with its R-squared (see definition). The lower the R-squared, the less correlation there is between the fund and the index, and the less reliable beta is as an indicator of volatility.

Expense Ratio. The percentage of a fund’s average net assets used to pay its annual administrative and advisory expenses. These expenses directly reduce returns to investors.

Inception Date. The date on which the assets of a fund (or one of its share classes) are first invested in accordance with the fund’s investment objective. For funds with a subscription period, the inception date is the day after that period ends. Investment performance is measured from the inception date.

R-Squared. A measure of how much of a fund’s past returns can be explained by the returns from the market in general, as measured by a given index. If a fund’s total returns were precisely synchronized with an index’s returns, its R-squared would be 1.00. If the fund’s returns bore no relationship to the index’s returns, its R-squared would be 0. For this report, R-squared is based on returns over the past 36 months for both the fund and the index.

75


The People Who Govern Your Fund

The trustees of your mutual fund are there to see that the fund is operated and managed in your best interests since, as a shareholder, you are a part owner of the fund. Your fund’s trustees also serve on the board of directors of The Vanguard Group, Inc., which is owned by the Vanguard funds and provides services to them on an at-cost basis.

A majority of Vanguard’s board members are independent, meaning that they have no affiliation with Vanguard or the funds they oversee, apart from the sizable personal investments they have made as private individuals. The independent board members have distinguished backgrounds in business, academia, and public service. Each of the trustees and executive officers oversees 178 Vanguard funds.

The following table provides information for each trustee and executive officer of the fund. More information about the trustees is in the Statement of Additional Information, which can be obtained, without charge, by contacting Vanguard at 800-662-7447, or online at Vanguard.com.

Interested Trustee1 Amy Gutmann
  Born 1949. Trustee Since June 2006. Principal
F. William McNabb III Occupation(s) During the Past Five Years: President
Born 1957. Trustee Since July 2009. Chairman of the of the University of Pennsylvania; Christopher H.
Board. Principal Occupation(s) During the Past Five Browne Distinguished Professor of Political Science
Years: Chairman of the Board of The Vanguard Group, in the School of Arts and Sciences with secondary
Inc., and of each of the investment companies served appointments at the Annenberg School for Commu-
by The Vanguard Group, since January 2010; Director nication and the Graduate School of Education
of The Vanguard Group since 2008; Chief Executive of the University of Pennsylvania; Director of
Officer and President of The Vanguard Group and of Carnegie Corporation of New York, Schuylkill River
each of the investment companies served by The Development Corporation, and Greater Philadelphia
Vanguard Group since 2008; Director of Vanguard Chamber of Commerce; Trustee of the National
Marketing Corporation; Managing Director of The Constitution Center; Chair of the Presidential
Vanguard Group (1995–2008) . Commission for the Study of Bioethical Issues.
 
  JoAnn Heffernan Heisen
Independent Trustees Born 1950. Trustee Since July 1998. Principal
  Occupation(s) During the Past Five Years: Corporate
Emerson U. Fullwood Vice President and Chief Global Diversity Officer
Born 1948. Trustee Since January 2008. Principal since 2006 (retired 2008) and Member of the
Occupation(s) During the Past Five Years: Executive Executive Committee (retired 2008) of Johnson &
Chief Staff and Marketing Officer for North America Johnson (pharmaceuticals/consumer products); Vice
and Corporate Vice President (retired 2008) of Xerox President and Chief Information Officer of Johnson &
Corporation (document management products and Johnson (1997–2005); Director of the University
services); Director of SPX Corporation (multi-industry Medical Center at Princeton and Women’s Research
manufacturing), the United Way of Rochester, and Education Institute; Member of the Advisory
Amerigroup Corporation (managed health care), Board of the Maxwell School of Citizenship and Public
the University of Rochester Medical Center, and Affairs at Syracuse University.
Monroe Community College Foundation.  
  F. Joseph Loughrey
Rajiv L. Gupta Born 1949. Trustee Since October 2009. Principal
Born 1945. Trustee Since December 2001.2 Occupation(s) During the Past Five Years: President
Principal Occupation(s) During the Past Five Years: and Chief Operating Officer since 2005 (retired 2009)
Chairman and Chief Executive Officer (retired 2009) and Vice Chairman of the Board (2008–2009) of
and President (2006–2008) of Rohm and Haas Co. Cummins Inc. (industrial machinery); Director of
(chemicals); Director of Tyco International, Ltd. SKF AB (industrial machinery), Hillenbrand, Inc.
(diversified manufacturing and services) and Hewlett- (specialized consumer services), Sauer-Danfoss Inc.
Packard Co. (electronic computer manufacturing); (machinery), the Lumina Foundation for Education,
Trustee of The Conference Board; Member of the and Oxfam America; Chairman of the Advisory
Board of Managers of Delphi Automotive LLP Council for the College of Arts and Letters at the
(automotive components) . University of Notre Dame.


André F. Perold Kathryn J. Hyatt  
Born 1952. Trustee Since December 2004. Principal Born 1955. Treasurer Since November 2008. Principal
Occupation(s) During the Past Five Years: George Occupation(s) During the Past Five Years: Principal
Gund Professor of Finance and Banking at the Harvard of The Vanguard Group, Inc.; Treasurer of each of
Business School; Chair of the Investment Committee the investment companies served by The Vanguard
of HighVista Strategies LLC (private investment firm) . Group since 2008; Assistant Treasurer of each of the
  investment companies served by The Vanguard Group
Alfred M. Rankin, Jr. (1988–2008) .  
Born 1941. Trustee Since January 1993. Principal    
Occupation(s) During the Past Five Years: Chairman, Heidi Stam  
President, and Chief Executive Officer of NACCO Born 1956. Secretary Since July 2005. Principal
Industries, Inc. (forklift trucks/housewares/lignite); Occupation(s) During the Past Five Years: Managing
Director of Goodrich Corporation (industrial products/ Director of The Vanguard Group, Inc., since 2006;
aircraft systems and services); Chairman of the General Counsel of The Vanguard Group since 2005;
Federal Reserve Bank of Cleveland; Trustee of The Secretary of The Vanguard Group and of each of the
Cleveland Museum of Art. investment companies served by The Vanguard Group
  since 2005; Director and Senior Vice President of
Peter F. Volanakis Vanguard Marketing Corporation since 2005;
Born 1955. Trustee Since July 2009. Principal Principal of The Vanguard Group (1997–2006).
Occupation(s) During the Past Five Years: President    
since 2007 and Chief Operating Officer since 2005    
of Corning Incorporated (communications equipment); Vanguard Senior Management Team
President of Corning Technologies (2001–2005);    
Director of Corning Incorporated and Dow Corning; R. Gregory Barton Michael S. Miller
Trustee of the Corning Incorporated Foundation and Mortimer J. Buckley James M. Norris
the Corning Museum of Glass; Overseer of the Kathleen C. Gubanich Glenn W. Reed
Amos Tuck School of Business Administration at Paul A. Heller George U. Sauter
Dartmouth College.    
 
  Chairman Emeritus and Senior Advisor
Executive Officers    
  John J. Brennan  
Glenn Booraem Chairman, 1996–2009  
Born 1967. Controller Since July 2010. Principal Chief Executive Officer and President, 1996–2008
Occupation(s) During the Past Five Years: Principal    
of The Vanguard Group, Inc.; Controller of each of    
the investment companies served by The Vanguard Founder  
Group since 2010; Assistant Controller of each of    
the investment companies served by The Vanguard John C. Bogle  
Group (2001–2010) . Chairman and Chief Executive Officer, 1974–1996
 
Thomas J. Higgins    
Born 1957. Chief Financial Officer Since September    
2008. Principal Occupation(s) During the Past Five    
Years: Principal of The Vanguard Group, Inc.; Chief    
Financial Officer of each of the investment companies    
served by The Vanguard Group since 2008; Treasurer    
of each of the investment companies served by The    
Vanguard Group (1998–2008) .    

1 Mr. McNabb is considered an “interested person,” as defined in the Investment Company Act of 1940, because he is an officer of the Vanguard funds.
2 December 2002 for Vanguard Equity Income Fund, Vanguard Growth Equity Fund, the Vanguard Municipal Bond Funds, and the Vanguard State Tax-Exempt Funds.


 

 
 P.O. Box 2600
Valley Forge, PA 19482-2600

Connect with Vanguard® > Vanguard.com

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With Hearing Impairment > 800-749-7273  
 
This material may be used in conjunction  
with the offering of shares of any Vanguard  
fund only if preceded or accompanied by  
the fund’s current prospectus.  
 
All comparative mutual fund data are from Lipper Inc. or  
Morningstar, Inc., unless otherwise noted.  
 
You can obtain a free copy of Vanguard’s proxy voting  
guidelines by visiting vanguard.com/proxyreporting or by  
calling Vanguard at 800-662-2739. The guidelines are  
also available from the SEC’s website, sec.gov. In  
addition, you may obtain a free report on how your fund  
voted the proxies for securities it owned during the 12  
months ended June 30. To get the report, visit either  
vanguard.com/proxyreporting or sec.gov.  
 
You can review and copy information about your fund at  
the SEC’s Public Reference Room in Washington, D.C. To  
find out more about this public service, call the SEC at  
202-551-8090. Information about your fund is also  
available on the SEC’s website, and you can receive  
copies of this information, for a fee, by sending a  
request in either of two ways: via e-mail addressed to  
publicinfo@sec.gov or via regular mail addressed to the  
Public Reference Section, Securities and Exchange  
Commission, Washington, DC 20549-1520.  
 
 
  © 2010 The Vanguard Group, Inc.
  All rights reserved.
  Vanguard Marketing Corporation, Distributor.
 
  Q3080 112010


 

Vanguard Target Retirement Funds
Annual Report
September 30, 2010
 
 
Vanguard Target Retirement 2030 Fund
Vanguard Target Retirement 2035 Fund
Vanguard Target Retirement 2040 Fund
Vanguard Target Retirement 2045 Fund
Vanguard Target Retirement 2050 Fund
Vanguard Target Retirement 2055 Fund

 

> In a tumultuous year, the Target Retirement Funds in this report produced 12-month returns ranging from 10.21% to 10.26%. Target Retirement 2055 Fund, which was introduced toward the end of the period, returned 4.90% in the weeks after its inception.

> As U.S. stocks outperformed U.S. bonds, those funds with the largest allocation to stocks notched the highest 12-month returns.

> Toward the end of the period, we announced that we will shift some of the funds’ assets from U.S. stocks to international stocks. Vanguard research indicates that such a shift can provide better long-term diversification.

Contents  
Your Fund’s Total Returns. 1
Chairman’s Letter. 2
Target Retirement 2030 Fund. 9
Target Retirement 2035 Fund. 19
Target Retirement 2040 Fund. 29
Target Retirement 2045 Fund. 39
Target Retirement 2050 Fund. 49
Target Retirement 2055 Fund. 59
Your Fund’s After-Tax Returns. 70
About Your Fund’s Expenses. 72
Glossary. 74

Please note: The opinions expressed in this report are just that—informed opinions. They should not be considered promises or advice.
Also, please keep in mind that the information and opinions cover the period through the date on the front of this report. Of course, the risks of investing in your fund are spelled out in the prospectus.
See the Glossary for definitions of investment terms used in this report.

Cover photograph: Jean Maher.


Your Fund’s Total Returns

Fiscal Year Ended September 30, 2010  
  Total
  Returns
Vanguard Target Retirement 2030 Fund 10.21%
Target 2030 Composite Index 10.36
Target 2030 Composite Average 10.97
Vanguard Target Retirement 2035 Fund 10.24%
Target 2035 Composite Index 10.38
Target 2035 Composite Average 10.95
Vanguard Target Retirement 2040 Fund 10.23%
Target 2040 Composite Index 10.38
Target 2040 Composite Average 10.95
Vanguard Target Retirement 2045 Fund 10.23%
Target 2045 Composite Index 10.38
Target 2045 Composite Average 10.95
Vanguard Target Retirement 2050 Fund 10.26%
Target 2050 Composite Index 10.38
Target 2050 Composite Average 10.95
Vanguard Target Retirement 2055 Fund (Inception: 8/18/2010) 4.90%
Target Retirement 2055 Composite Index 4.98
Target 2055 Composite Average 5.61

Returns for the composite indexes are derived by applying the funds’ target allocations to the results of the following benchmarks: for U.S. stocks, the MSCI US Broad Market Index; for international stocks, the MSCI EAFE Index and the MSCI Emerging Markets Index; and for bonds, the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, and the Barclays Capital U.S. Aggregate Float Adjusted Index thereafter.
Returns for the composite averages are derived by applying the funds’ target allocations to the average returns of the following mutual fund peer groups: fixed income funds, general equity funds, international funds, and emerging markets funds. These groups’ average returns are derived from data provided by Lipper Inc.

Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the work force. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.

1


 

Chairman’s Letter

Dear Shareholder,

For the fiscal year ended September 30, 2010, global stock markets seemed to lurch from weakness to strength, ultimately generating solid 12-month returns. Bonds performed strongly throughout the year. The Vanguard Target Retirement Funds covered in this report produced 12-month returns ranging from 10.21% for the Target Retirement 2030 Fund, which has the highest allocation to fixed income investments, to 10.26% for the Target Retirement 2050 Fund, which has the largest exposure to stocks. The Target Retirement 2055 Fund, introduced in mid-August, returned 4.90% in its first month-and-a-half of operation.

Toward the end of the period, we announced plans to increase the funds’ allocations to international stocks by reducing their exposure to U.S. stocks. International stocks have historically accounted for about 20% of a Target Retirement Fund’s equity exposure. We plan to raise that allocation to about 30%.

Our research suggests that a higher international allocation can potentially provide better risk-return properties.

2


In a related change, we will replace the three international stock funds currently used in the Target Retirement Funds with a single fund, Vanguard Total International Stock Index Fund. The fund will include both the large-capitalization stocks held by the current international funds and small-and mid-capitalization stocks, enhancing its diversification. Unlike the funds it replaces, the new fund also includes Canadian stocks.

An upbeat end to a worrisome 12 months
Although global stock markets traced a ragged trajectory, they ultimately gained ground for the 12 months ended September 30. Europe’s sovereign debt crisis and a dispiriting lack of vigor in the U.S. economy weighed on stock prices through the spring and summer. In September, however, investor sentiment perked up, buoyed by continued signs of strength in corporate financial statements. The broad U.S. stock market rallied to close the period with a return of more than 11%. Small-capitalization stocks finished a few steps ahead of their large-cap counterparts.

International stock markets were a mixed bag: middling returns in Europe, stagnation in the Pacific region’s developed markets, and a return of more than 20% from emerging markets. The combined result, as measured by the MSCI All Country World Index ex USA, was a 12-month return of 8%.

Market Barometer      
 
    Average Annual Total Returns
    Periods Ended September 30, 2010
  One Three Five
  Year Years Years
Stocks      
Russell 1000 Index (Large-caps) 10.75% -6.79% 0.86%
Russell 2000 Index (Small-caps) 13.35 -4.29 1.60
Dow Jones U.S. Total Stock Market Index 11.51 -6.12 1.37
MSCI All Country World Index ex USA (International) 8.00 -6.98 4.72
 
Bonds      
Barclays Capital U.S. Aggregate Bond Index (Broad      
taxable market) 8.16% 7.42% 6.20%
Barclays Capital Municipal Bond Index (Broad      
tax-exempt market) 5.81 6.04 5.13
Citigroup Three-Month U.S. Treasury Bill Index 0.12 1.01 2.47
 
CPI      
Consumer Price Index 1.14% 1.57% 1.90%

3


Bond prices rallied, driving yields to surprising lows
Bonds produced strong 12-month returns, a gratifying performance that nevertheless raised questions about the prospects for total returns in a fixed income market where yields hovered near all-time lows. At the start of the period, the 10-year U.S. Treasury note yielded 3.31%; at the end, the figure was 2.51% as investors bid up bond prices. As yields move lower, of course, the scope for continued declines—and the attendant rise in prices—diminishes. Corporate bonds performed best for the 12 months. Municipal bonds delivered solid, but more modest, returns.

As has been the case for almost two years now, the yields of money market securities remained near 0%, a consequence of the Federal Reserve Board’s efforts to stimulate the economy by keeping a tight lid on borrowing costs.

Equities led returns
The Vanguard Target Retirement Funds combine holdings in stock, bond, and money market funds with weightings that are consistent with an investor’s progress toward retirement. Funds for those with a more distant retirement date have a greater concentration in equities, which over the long term are likely to produce higher returns than bonds, albeit with more volatile ups and downs. For those investors

Expense Ratios
Your Fund Compared With Its Peer Group

  Acquired Fund Fees Peer Group
  and Expenses Average
Target Retirement 2030 Fund 0.19% 1.33%
Target Retirement 2035 Fund 0.19 1.35
Target Retirement 2040 Fund 0.19 1.35
Target Retirement 2045 Fund 0.19 1.35
Target Retirement 2050 Fund 0.19 1.35
Target Retirement 2055 Fund 0.19 1.35

The fund expense figures shown—drawn from the prospectus dated August 18, 2010—represent an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement Funds invest. The Target Retirement Funds do not charge any expenses or fees of their own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.19% for the 2030 Fund, 0.19% for the 2035 Fund, 0.19% for the 2040 Fund, 0.19% for the 2045 Fund, 0.19% for the 2050 Fund, and 0.22% for the 2055 Fund.

Peer groups are the composite averages listed on page 1. Their expense figures are derived by applying the funds’ target allocations to the average expense ratios of the following mutual fund peer groups: fixed income funds, general equity funds, international funds, and emerging markets funds. Average expense ratios for these groups are derived from data provided by Lipper Inc. and capture information through year-end 2009.

4


who expect to retire sooner, the funds become more conservative in their asset allocation, with a higher weighting in bonds.

For investors in the six funds covered in this report, retirement is decades away. As a result, these funds are geared toward generating strong returns with a heavy allocation in U.S. and international equities. As of September 30, the five most aggressive funds held about 72% of their assets in U.S. stocks, 18% in international equities, including emerging markets, and the remaining 10% in bonds. The 2030 fund, aimed at investors with a closer retirement date, was more conservative, with about 66% of its assets in U.S. equities, about 16% in international stocks, and 18% in bonds.

Total Returns
Inception Through September 30, 2010

  Average
  Annual Return
Target Retirement 2030 Fund (Returns since inception: 6/7/2006) 2.13%
Target 2030 Composite Index 2.09
Target 2030 Composite Average 1.49
Target Retirement 2035 Fund (Returns since inception: 10/27/2003) 4.86%
Target 2035 Composite Index 4.87
Target 2035 Composite Average 4.33
Target Retirement 2040 Fund (Returns since inception: 6/7/2006) 1.68%
Target 2040 Composite Index 1.58
Target 2040 Composite Average 1.05
Target Retirement 2045 Fund (Returns since inception: 10/27/2003) 5.31%
Target 2045 Composite Index 5.30
Target 2045 Composite Average 4.76
Target Retirement 2050 Fund (Returns since inception: 6/7/2006) 1.79%
Target 2050 Composite Index 1.68
Target 2050 Composite Average 1.15

The figures shown represent past performance, which is not a guarantee of future results. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost.

The Target Retirement 2055 Fund is not listed because the fund has operated for less than three years.

5


All six funds, which had relatively high concentrations in U.S. and international stocks, benefited from the markets’ strong performance this fall. The five funds that operated for the full year all generated total returns in excess of 10%. The best performer was the 2050 fund, which had the highest concentration in equities and produced a return of 10.26%. The 2030 fund had the lowest return at 10.21%. And the newly created 2055 fund turned in a 4.90% return after about two months in existence.

The Target Retirement Funds in this report invest in five Vanguard funds. Among those underlying funds the best return (nearly 20%) was produced by Vanguard Emerging Markets Stock Index Fund. Consistent with the relatively modest size of these markets, however, the Target Retirement Funds have small allocations to this fund—5% or less—limiting its impact on performance. The second-highest return came from Vanguard Total Stock Market Index Fund (about 11%), which accounted for two-thirds or more of the holdings in all six funds. The weakest contributor was Vanguard European Stock Index Fund, whose Investor Shares generated a total return of just 2.25% as concerns over the sovereign debt crisis in Europe mounted.

Low costs and indexing make for a successful strategy
All of the Vanguard Target Retirement Funds produced 12-month returns in line with those of their composite indexes, as we would expect, but fell a few steps behind their peer-group benchmarks. These are hypothetical portfolios with the same allocation as their respective Target Retirement Funds, but in which the returns of each asset class are represented by the average returns of the relevant mutual funds—U.S. stock funds, international stock funds, and so on.

In general, this benchmark can help you assess whether you would have been better off implementing a particular asset allocation with Vanguard’s low-cost, index-fund-oriented strategy or with the actively managed funds that make up most of the peer groups. Although Vanguard’s approach trailed during the past fiscal year, it has on average produced superior returns since the funds’ inceptions.

Powerful principles for retirement investing
The financial markets have generated a tumultuous ride for investors over the last year. Continued high unemployment in the U.S. along with worries about the financial stability of some European nations hurt

6


market performance for some of that time. But as investor confidence revived toward the end of the period, stock market investors were rewarded with double-digit returns.

A prudent response to such uncertainty is to hold a low-cost portfolio that is well-diversified within asset classes and balanced among them, principles that are the foundation of the Vanguard Target Retirement Funds. The funds represent Vanguard’s best thinking about how to benefit from long-term opportunities for growth while controlling risk as you save for retirement and then manage those savings after you’ve left the workforce.

The funds can be an excellent choice for any investor, particularly those who lack the time or interest required for a hands-on approach to their portfolios.

As always, thank you for entrusting your assets to Vanguard.

Sincerely,


F. William McNabb III
Chairman and Chief Executive Officer
October 13, 2010

7


Your Fund’s Performance at a Glance
September 30, 2009, Through September 30, 2010

      Distributions Per Share 
  Starting  Ending  Income  Capital 
  Share Price  Share Price  Dividends  Gains 
Target Retirement 2030 Fund  $18.84  $20.36  $0.386  $0.000 
Target Retirement 2035 Fund  $11.31  $12.22  $0.238  $0.000 
Target Retirement 2040 Fund  $18.52  $20.03  $0.368  $0.000 
Target Retirement 2045 Fund  $11.70  $12.64  $0.246  $0.000 
Target Retirement 2050 Fund  $18.58  $20.10  $0.371  $0.000 
Target Retirement 2055 Fund         
(Inception: 8/18/2010)  $20.00  $20.98  $0.000  $0.000 

Asset Allocation on September 30, 2010       
      Short-Term 
  Stocks  Bonds  Reserves 
Target Retirement 2030 Fund  82.1%  17.9%  0.0% 
Target Retirement 2035 Fund  89.6%  10.4%  0.0% 
Target Retirement 2040 Fund  90.0%  10.0%  0.0% 
Target Retirement 2045 Fund  90.0%  10.0%  0.0% 
Target Retirement 2050 Fund  90.0%  10.0%  0.0% 
Target Retirement 2055 Fund  90.0%  10.0%  0.0% 

Note: As of September 30, 2010, international stock weightings for the 2030, 2035, 2040, 2045, 2050, and 2055 Funds were 16%, 18%, 18%,
18%, 18%, and 18% of assets, respectively.

8


Target Retirement 2030 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VTHRX
30-Day SEC Yield 2.13%
Acquired Fund Fees and Expenses1 0.19%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Stock Market Index Fund  
Investor Shares 65.7%
Vanguard Total Bond Market II Index Fund  
Investor Shares 17.9
Vanguard European Stock Index Fund  
Investor Shares 8.0
Vanguard Pacific Stock Index Fund  
Investor Shares 4.2
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 4.2

Total Fund Volatility Measures  
    DJ
  Target 2030 U.S. Total
  Composite Market
  Index Index
R-Squared 1.00 0.99
Beta 1.00 0.88
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2030 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.19%.

9


Target Retirement 2030 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: June 7, 2006, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
    Since Final Value
  One Inception of a $10,000
  Year (6/7/2006) Investment
Target Retirement 2030 Fund 10.21% 2.13% $10,952
Dow Jones U.S. Total Stock Market      
Index 11.51 0.58 10,251
Target 2030 Composite Index 10.36 2.09 10,934
Target 2030 Composite Average 10.97 1.49 10,658

Target 2030 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, and the Barclays Capital U.S. Aggregate Float Adjusted Index thereafter; and for U.S. stocks, the MSCI US Broad Market Index. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies.

Target 2030 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, international funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.

"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

10


Target Retirement 2030 Fund

Fiscal-Year Total Returns (%): June 7, 2006, Through September 30, 2010


11


Target Retirement 2030 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (99.9%)    
U.S. Stock Fund (65.6%)    
Vanguard Total Stock Market Index Fund Investor Shares 150,779,647 4,283,650
 
International Stock Funds (16.4%)    
Vanguard European Stock Index Fund Investor Shares 20,073,514 520,707
Vanguard Pacific Stock Index Fund Investor Shares 27,029,848 274,623
Vanguard Emerging Markets Stock Index Fund Investor Shares 9,573,725 274,192
    1,069,522
Bond Fund (17.9%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 108,480,534 1,170,505
Total Investment Companies (Cost $6,361,616)   6,523,677
Temporary Cash Investment (0.0%)    
Money Market Fund (0.0%)    
1 Vanguard Market Liquidity Fund, 0.261% (Cost $1,301) 1,301,294 1,301
Total Investments (99.9%) (Cost $6,362,917)   6,524,978
Other Assets and Liabilities (0.1%)    
Other Assets   60,444
Liabilities   (52,658)
    7,786
Net Assets (100%)    
Applicable to 320,811,236 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   6,532,764
Net Asset Value Per Share   $20.36

12


Target Retirement 2030 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 6,316,564
Undistributed Net Investment Income 75,022
Accumulated Net Realized Losses (20,883)
Unrealized Appreciation (Depreciation) 162,061
Net Assets 6,532,764

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.
See accompanying Notes, which are an integral part of the Financial Statements.

13


Target Retirement 2030 Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 122,297
Net Investment Income—Note B 122,297
Realized Net Gain (Loss) on Investment Securities Sold (20,358)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 427,057
Net Increase (Decrease) in Net Assets Resulting from Operations 528,996

See accompanying Notes, which are an integral part of the Financial Statements.

14


Target Retirement 2030 Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 122,297 77,794
Realized Net Gain (Loss) (20,358) 3,788
Change in Unrealized Appreciation (Depreciation) 427,057 154,208
Net Increase (Decrease) in Net Assets Resulting from Operations 528,996 235,790
Distributions    
Net Investment Income (91,755) (63,644)
Realized Capital Gain — —
Total Distributions (91,755) (63,644)
Capital Share Transactions    
Issued 2,832,104 1,793,675
Issued in Lieu of Cash Distributions 91,300 63,446
Redeemed (831,107) (385,086)
Net Increase (Decrease) from Capital Share Transactions 2,092,297 1,472,035
Total Increase (Decrease) 2,529,538 1,644,181
Net Assets    
Beginning of Period 4,003,226 2,359,045
End of Period1 6,532,764 4,003,226
1 Net Assets—End of Period includes undistributed net investment income of $75,022,000 and $44,480,000.

See accompanying Notes, which are an integral part of the Financial Statements.

15


Target Retirement 2030 Fund

Financial Highlights

         
          June 7,
     20061 to
For a Share Outstanding   Year Ended September 30, Sept. 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $18.84 $19.63 $24.74 $21.25 $20.00
Investment Operations          
Net Investment Income .4532 .4662 .5222 .4902 .1702
Capital Gain Distributions Received — — — — —
Net Realized and Unrealized Gain (Loss)          
on Investments 1.453 (.793) (5.262) 3.190 1.080
Total from Investment Operations 1.906 (.327) (4.740) 3.680 1.250
Distributions          
Dividends from Net Investment Income (.386) (.463) (.370) (.190) —
Distributions from Realized Capital Gains — — — — —
Total Distributions (.386) (.463) (.370) (.190) —
Net Asset Value, End of Period $20.36 $18.84 $19.63 $24.74 $21.25
 
Total Return3 10.21% -1.13% -19.43% 17.40% 6.25%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $6,533 $4,003 $2,359 $1,103 $69
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.19% 0.21% 0.19% 0.21% 0.21%4
Ratio of Net Investment Income to          
Average Net Assets 2.32% 2.92% 2.35% 2.10% 1.81%4
Portfolio Turnover Rate 9% 13%5 6% 4% 13%

1 Inception.
2 Calculated based on average shares outstanding.
3 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
4 Annualized.
5 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

16


Target Retirement 2030 Fund

Notes to Financial Statements

Vanguard Target Retirement 2030 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, and bonds.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

17


Target Retirement 2030 Fund

For tax purposes, at September 30, 2010, the fund had $75,038,000 of ordinary income available for distribution. The fund had available capital loss carryforwards totaling $535,000 to offset future net capital gains through September 30, 2017. In addition, the fund realized losses of $2,078,000 during the period from November 1, 2009, through September 30, 2010, which are deferred and will be treated as realized for tax purposes in fiscal 2011.

At September 30, 2010, the cost of investment securities for tax purposes was $6,381,203,000. Net unrealized appreciation of investment securities for tax purposes was $143,775,000, consisting of unrealized gains of $196,716,000 on securities that had risen in value since their purchase and $52,941,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $2,563,607,000 of investment securities and sold $443,049,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 146,170 112,709
Issued in Lieu of Cash Distributions 4,692 4,133
Redeemed (42,500) (24,572)
Net Increase (Decrease) in Shares Outstanding 108,362 92,270

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

18


Target Retirement 2035 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VTTHX
30-Day SEC Yield 2.15%
Acquired Fund Fees and Expenses1 0.19%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Stock Market Index Fund  
Investor Shares 71.7%
Vanguard Total Bond Market II Index Fund  
Investor Shares 10.4
Vanguard European Stock Index Fund  
Investor Shares 8.7
Vanguard Pacific Stock Index Fund  
Investor Shares 4.6
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 4.6

Total Fund Volatility Measures  
    DJ
  Target 2035 U.S. Total
  Composite Market
  Index Index
R-Squared 1.00 0.99
Beta 1.01 0.93
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2035 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.19%.

19


Target Retirement 2035 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: October 27, 2003, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
      Since Final Value
  One Five Inception of a $10,000
  Year Years (10/27/2003) Investment
Target Retirement 2035 Fund 10.24% 2.17% 4.86% $13,888
Dow Jones U.S. Total Stock Market        
Index 11.51 1.37 4.47 13,538
Target 2035 Composite Index 10.38 2.15 4.87 13,905
Target 2035 Composite Average 10.95 1.64 4.33 13,412

Target 2035 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, and the Barclays Capital U.S. Aggregate Float Adjusted Index thereafter; and for U.S. stocks, the Dow Jones Wilshire 5000 Index from inception through April 22, 2005, and the MSCI US Broad Market Index thereafter. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies.

Target 2035 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, international funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.

"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

20


Target Retirement 2035 Fund

Fiscal-Year Total Returns (%): October 27, 2003, Through September 30, 2010


21


Target Retirement 2035 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (99.9%)    
U.S. Stock Fund (71.6%)    
Vanguard Total Stock Market Index Fund Investor Shares 232,379,938 6,601,914
 
International Stock Funds (17.9%)    
Vanguard European Stock Index Fund Investor Shares 30,967,817 803,305
Vanguard Pacific Stock Index Fund Investor Shares 41,917,947 425,887
Vanguard Emerging Markets Stock Index Fund Investor Shares 14,835,716 424,895
    1,654,087
Bond Fund (10.4%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 88,903,242 959,266
Total Investment Companies (Cost $9,075,791)   9,215,267
Temporary Cash Investment (0.0%)    
Money Market Fund (0.0%)    
1 Vanguard Market Liquidity Fund, 0.261% (Cost $2,480) 2,480,313 2,480
Total Investments (99.9%) (Cost $9,078,271)   9,217,747
Other Assets and Liabilities (0.1%)    
Other Assets   28,494
Liabilities   (23,704)
    4,790
Net Assets (100%)    
Applicable to 754,612,330 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   9,222,537
Net Asset Value Per Share   $12.22

22


Target Retirement 2035 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 9,034,162
Undistributed Net Investment Income 101,728
Accumulated Net Realized Losses (52,829)
Unrealized Appreciation (Depreciation) 139,476
Net Assets 9,222,537

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.
See accompanying Notes, which are an integral part of the Financial Statements.

23


Target Retirement 2035 Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 178,970
Net Investment Income—Note B 178,970
Realized Net Gain (Loss) on Investment Securities Sold (20,809)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 627,991
Net Increase (Decrease) in Net Assets Resulting from Operations 786,152

See accompanying Notes, which are an integral part of the Financial Statements.

24


Target Retirement 2035 Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 178,970 140,445
Realized Net Gain (Loss) (20,809) (12,432)
Change in Unrealized Appreciation (Depreciation) 627,991 99,154
Net Increase (Decrease) in Net Assets Resulting from Operations 786,152 227,167
Distributions    
Net Investment Income (151,112) (135,526)
Realized Capital Gain — —
Total Distributions (151,112) (135,526)
Capital Share Transactions    
Issued 2,894,667 2,112,231
Issued in Lieu of Cash Distributions 150,664 135,056
Redeemed (1,238,082) (588,457)
Net Increase (Decrease) from Capital Share Transactions 1,807,249 1,658,830
Total Increase (Decrease) 2,442,289 1,750,471
Net Assets    
Beginning of Period 6,780,248 5,029,777
End of Period1 9,222,537 6,780,248
1 Net Assets—End of Period includes undistributed net investment income of $101,728,000 and $73,870,000.  

See accompanying Notes, which are an integral part of the Financial Statements.

25


Target Retirement 2035 Fund

Financial Highlights

For a Share Outstanding     Year Ended September 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $11.31 $11.90 $15.25 $13.18 $12.22
Investment Operations          
Net Investment Income .250 .2731 .293 .270 .2801
Capital Gain Distributions Received — — — — —
Net Realized and Unrealized Gain (Loss)          
on Investments .898 (.564) (3.353) 2.060 .890
Total from Investment Operations 1.148 (.291) (3.060) 2.330 1.170
Distributions          
Dividends from Net Investment Income (.238) (.299) (.290) (.260) (.210)
Distributions from Realized Capital Gains — — — — —
Total Distributions (.238) (.299) (.290) (.260) (.210)
Net Asset Value, End of Period $12.22 $11.31 $11.90 $15.25 $13.18
 
Total Return2 10.24% -1.85% -20.42% 17.87% 9.70%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $9,223 $6,780 $5,030 $4,553 $2,562
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.19% 0.21% 0.18% 0.19% 0.21%
Ratio of Net Investment Income to          
Average Net Assets 2.24% 2.88% 2.28% 2.09% 2.21%
Portfolio Turnover Rate 6% 9%3 10% 1% 14%

1 Calculated based on average shares outstanding.
2 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
3 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

26


Target Retirement 2035 Fund

Notes to Financial Statements

Vanguard Target Retirement 2035 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, and bonds.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest ates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine he fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

27


Target Retirement 2035 Fund

For tax purposes, at September 30, 2010, the fund had $101,847,000 of ordinary income available for distribution. The fund had available capital loss carryforwards totaling $32,138,000 to offset future net capital gains of $9,886,000 through September 30, 2015, $9,228,000 through September 30, 2017, and $13,024,000 through September 30, 2018. In addition, the fund realized losses of $9,258,000 during the period from November 1, 2009, through September 30, 2010, which are deferred and will be treated as realized for tax purposes in fiscal 2011.

At September 30, 2010, the cost of investment securities for tax purposes was $9,089,824,000. Net unrealized appreciation of investment securities for tax purposes was $127,923,000, consisting of unrealized gains of $170,956,000 on securities that had risen in value since their purchase and $43,033,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $2,282,732,000 of investment securities and sold $446,236,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 247,766 224,509
Issued in Lieu of Cash Distributions 12,855 14,793
Redeemed (105,300) (62,583)
Net Increase (Decrease) in Shares Outstanding 155,321 176,719

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

28


Target Retirement 2040 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VFORX
30-Day SEC Yield 2.15%
Acquired Fund Fees and Expenses1 0.19%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Stock Market Index Fund  
Investor Shares 72.0%
Vanguard Total Bond Market II Index Fund  
Investor Shares 10.0
Vanguard European Stock Index Fund  
Investor Shares 8.8
Vanguard Pacific Stock Index Fund  
Investor Shares 4.6
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 4.6

Total Fund Volatility Measures  
    DJ
  Target 2040 U.S. Total
  Composite Market
  Index Index
R-Squared 1.00 0.99
Beta 1.00 0.93
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2040 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.19%.

29


Target Retirement 2040 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: June 7, 2006, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
    Since Final Value
  One Inception of a $10,000
  Year (6/7/2006) Investment
Target Retirement 2040 Fund 10.23% 1.68% $10,746
Dow Jones U.S. Total Stock Market      
Index 11.51 0.58 10,251
Target 2040 Composite Index 10.38 1.58 10,700
Target 2040 Composite Average 10.95 1.05 10,460

Target 2040 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, and the Barclays Capital U.S. Aggregate Float Adjusted Index thereafter; and for U.S. stocks, the MSCI US Broad Market Index. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies. Target 2040 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, international funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.
"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

30


Target Retirement 2040 Fund

Fiscal-Year Total Returns (%): June 7, 2006, Through September 30, 2010


31


Target Retirement 2040 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (99.9%)    
U.S. Stock Fund (71.9%)    
Vanguard Total Stock Market Index Fund Investor Shares 96,888,549 2,752,604
 
International Stock Funds (18.0%)    
Vanguard European Stock Index Fund Investor Shares 12,902,646 334,695
Vanguard Pacific Stock Index Fund Investor Shares 17,395,229 176,735
Vanguard Emerging Markets Stock Index Fund Investor Shares 6,167,252 176,630
    688,060
Bond Fund (10.0%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 35,501,011 383,056
Total Investment Companies (Cost $3,645,768)   3,823,720
Temporary Cash Investment (0.0%)    
Money Market Fund (0.0%)    
1 Vanguard Market Liquidity Fund, 0.261% (Cost $1,551) 1,551,000 1,551
Total Investments (99.9%) (Cost $3,647,319)   3,825,271
Other Assets and Liabilities (0.1%)    
Other Assets   72,971
Liabilities   (67,369)
    5,602
Net Assets (100%)    
Applicable to 191,278,300 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   3,830,873
Net Asset Value Per Share   $20.03

32


Target Retirement 2040 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 3,640,460
Undistributed Net Investment Income 39,218
Accumulated Net Realized Losses (26,757)
Unrealized Appreciation (Depreciation) 177,952
Net Assets 3,830,873

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.
See accompanying Notes, which are an integral part of the Financial Statements.

33


Target Retirement 2040 Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 69,272
Net Investment Income—Note B 69,272
Realized Net Gain (Loss) on Investment Securities Sold (26,008)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 260,556
Net Increase (Decrease) in Net Assets Resulting from Operations 303,820

See accompanying Notes, which are an integral part of the Financial Statements.

34


Target Retirement 2040 Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 69,272 41,269
Realized Net Gain (Loss) (26,008) 5,132
Change in Unrealized Appreciation (Depreciation) 260,556 134,533
Net Increase (Decrease) in Net Assets Resulting from Operations 303,820 180,934
Distributions    
Net Investment Income (52,010) (31,267)
Realized Capital Gain — —
Total Distributions (52,010) (31,267)
Capital Share Transactions    
Issued 1,771,872 1,184,150
Issued in Lieu of Cash Distributions 51,808 31,205
Redeemed (574,648) (234,075)
Net Increase (Decrease) from Capital Share Transactions 1,249,032 981,280
Total Increase (Decrease) 1,500,842 1,130,947
Net Assets    
Beginning of Period 2,330,031 1,199,084
End of Period1 3,830,873 2,330,031
1 Net Assets—End of Period includes undistributed net investment income of $39,218,000 and $23,735,000.

See accompanying Notes, which are an integral part of the Financial Statements.

35


Target Retirement 2040 Fund

Financial Highlights

         
          June 7,
     20061 to
For a Share Outstanding     Year Ended September 30, Sept. 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $18.52 $19.36 $24.70 $21.13 $20.00
Investment Operations          
Net Investment Income .393 .4352 .4942 .4602 .1602
Capital Gain Distributions Received — — — — —
Net Realized and Unrealized Gain (Loss)          
on Investments 1.485 (.849) (5.464) 3.290 .970
Total from Investment Operations 1.878 (.414) (4.970) 3.750 1.130
Distributions          
Dividends from Net Investment Income (.368) (.426) (.370) (.180) —
Distributions from Realized Capital Gains — — — — —
Total Distributions (.368) (.426) (.370) (.180) —
Net Asset Value, End of Period $20.03 $18.52 $19.36 $24.70 $21.13
 
Total Return3 10.23% -1.61% -20.40% 17.83% 5.65%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $3,831 $2,330 $1,199 $513 $32
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.19% 0.21% 0.19% 0.21% 0.21%4
Ratio of Net Investment Income to          
Average Net Assets 2.23% 2.78% 2.24% 1.99% 1.72%4
Portfolio Turnover Rate 7% 9%5 4% 4% 0%

1 Inception.
2 Calculated based on average shares outstanding.
3 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
4 Annualized.
5 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

36


Target Retirement 2040 Fund

Notes to Financial Statements

Vanguard Target Retirement 2040 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, and bonds.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences are primarily attributed to tax deferral of losses on wash sales and will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

37


Target Retirement 2040 Fund

The fund used a tax accounting practice to treat a portion of the price of capital shares redeemed during the year as distributions from net investment income and realized capital gains. Accordingly, the fund has reclassified $1,779,000 from undistributed net investment income, and $749,000 from accumulated net realized losses, to paid-in capital.

For tax purposes, at September 30, 2010, the fund had $39,218,000 of ordinary income available for distribution. The fund realized losses of $656,000 during the period from November 1, 2009, through September 30, 2010, which are deferred and will be treated as realized for tax purposes in fiscal 2011.

At September 30, 2010, the cost of investment securities for tax purposes was $3,673,420,000. Net unrealized appreciation of investment securities for tax purposes was $151,851,000, consisting of unrealized gains of $186,846,000 on securities that had risen in value since their purchase and $34,995,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $1,481,612,000 of investment securities and sold $218,030,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 92,527 77,026
Issued in Lieu of Cash Distributions 2,698 2,090
Redeemed (29,778) (15,227)
Net Increase (Decrease) in Shares Outstanding 65,447 63,889

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

38


Target Retirement 2045 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VTIVX
30-Day SEC Yield 2.15%
Acquired Fund Fees and Expenses1 0.19%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Stock Market Index Fund  
Investor Shares 72.0%
Vanguard Total Bond Market II Index Fund  
Investor Shares 10.0
Vanguard European Stock Index Fund  
Investor Shares 8.8
Vanguard Pacific Stock Index Fund  
Investor Shares 4.6
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 4.6

Total Fund Volatility Measures  
    DJ
  Target 2045 U.S. Total
  Composite Market
  Index Index
R-Squared 1.00 0.99
Beta 1.00 0.93
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2045 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.19%.

39


Target Retirement 2045 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: October 27, 2003, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
      Since Final Value
  One Five Inception of a $10,000
  Year Years (10/27/2003) Investment
Target Retirement 2045 Fund 10.23% 2.38% 5.31% $14,307
Dow Jones U.S. Total Stock Market        
Index 11.51 1.37 4.47 13,538
Target 2045 Composite Index 10.38 2.32 5.30 14,304
Target 2045 Composite Average 10.95 1.82 4.76 13,796

Target 2045 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, and the Barclays Capital U.S. Aggregate Float Adjusted Index thereafter; and for U.S. stocks, the Dow Jones Wilshire 5000 Index from inception through April 22, 2005, and the MSCI US Broad Market Index thereafter. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies.

Target 2045 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, international funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.

"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

40


Target Retirement 2045 Fund

Fiscal-Year Total Returns (%): October 27, 2003, Through September 30, 2010


41


Target Retirement 2045 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (99.9%)    
U.S. Stock Fund (71.8%)    
Vanguard Total Stock Market Index Fund Investor Shares 124,301,858 3,531,416
 
International Stock Funds (18.1%)    
Vanguard European Stock Index Fund Investor Shares 16,657,822 432,104
Vanguard Pacific Stock Index Fund Investor Shares 22,461,124 228,205
Vanguard Emerging Markets Stock Index Fund Investor Shares 7,940,214 227,408
    887,717
Bond Fund (10.0%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 45,570,722 491,708
Total Investment Companies (Cost $4,796,054)   4,910,841
Temporary Cash Investment (0.0%)    
Money Market Fund (0.0%)    
1 Vanguard Market Liquidity Fund, 0.261% (Cost $1,693) 1,693,259 1,693
Total Investments (99.9%) (Cost $4,797,747)   4,912,534
Other Assets and Liabilities (0.1%)    
Other Assets   14,652
Liabilities   (9,073)
    5,579
Net Assets (100%)    
Applicable to 388,973,110 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   4,918,113
Net Asset Value Per Share   $12.64

42


Target Retirement 2045 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 4,768,072
Undistributed Net Investment Income 53,859
Accumulated Net Realized Losses (18,605)
Unrealized Appreciation (Depreciation) 114,787
Net Assets 4,918,113

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.
See accompanying Notes, which are an integral part of the Financial Statements.

43


Target Retirement 2045 Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 94,717
Net Investment Income—Note B 94,717
Realized Net Gain (Loss) on Investment Securities Sold (15,689)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 334,427
Net Increase (Decrease) in Net Assets Resulting from Operations 413,455

See accompanying Notes, which are an integral part of the Financial Statements.

44


Target Retirement 2045 Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 94,717 71,941
Realized Net Gain (Loss) (15,689) 5,006
Change in Unrealized Appreciation (Depreciation) 334,427 79,123
Net Increase (Decrease) in Net Assets Resulting from Operations 413,455 156,070
Distributions    
Net Investment Income (79,441) (66,481)
Realized Capital Gain — —
Total Distributions (79,441) (66,481)
Capital Share Transactions    
Issued 1,660,216 1,270,551
Issued in Lieu of Cash Distributions 79,243 66,252
Redeemed (715,190) (359,392)
Net Increase (Decrease) from Capital Share Transactions 1,024,269 977,411
Total Increase (Decrease) 1,358,283 1,067,000
Net Assets    
Beginning of Period 3,559,830 2,492,830
End of Period1 4,918,113 3,559,830
1 Net Assets—End of Period includes undistributed net investment income of $53,859,000 and $38,583,000.

See accompanying Notes, which are an integral part of the Financial Statements.

45


Target Retirement 2045 Fund

Financial Highlights

For a Share Outstanding     Year Ended September 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $11.70 $12.29 $15.75 $13.60 $12.47
Investment Operations          
Net Investment Income .257 .2811 .303 .280 .2701
Capital Gain Distributions Received — — — — —
Net Realized and Unrealized Gain (Loss)          
on Investments .929 (.570) (3.463) 2.130 1.050
Total from Investment Operations 1.186 (.289) (3.160) 2.410 1.320
Distributions          
Dividends from Net Investment Income (.246) (.301) (.300) (.250) (.190)
Distributions from Realized Capital Gains — — — (.010) —
Total Distributions (.246) (.301) (.300) (.260) (.190)
Net Asset Value, End of Period $12.64 $11.70 $12.29 $15.75 $13.60
 
Total Return2 10.23% -1.77% -20.42% 17.90% 10.70%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $4,918 $3,560 $2,493 $2,204 $1,186
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.19% 0.21% 0.18% 0.19% 0.21%
Ratio of Net Investment Income to          
Average Net Assets 2.24% 2.86% 2.28% 2.08% 2.03%
Portfolio Turnover Rate 6% 10%3 9% 1% 3%

1 Calculated based on average shares outstanding.
2 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
3 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

46


Target Retirement 2045 Fund

Notes to Financial Statements

Vanguard Target Retirement 2045 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, and bonds.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

47


Target Retirement 2045 Fund

For tax purposes, at September 30, 2010, the fund had $54,011,000 of ordinary income available for distribution. The fund had available capital loss carryforwards totaling $3,064,000 to offset future net capital gains of $2,203,000 through September 30, 2017, and $861,000 through September 30, 2018. In addition, the fund realized losses of $2,465,000 during the period from November 1, 2009, through September 30, 2010, which are deferred and will be treated as realized for tax purposes in fiscal 2011.

At September 30, 2010, the cost of investment securities for tax purposes was $4,810,975,000. Net unrealized appreciation of investment securities for tax purposes was $101,559,000, consisting of unrealized gains of $132,789,000 on securities that had risen in value since their purchase and $31,230,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $1,279,155,000 of investment securities and sold $241,435,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 137,147 131,286
Issued in Lieu of Cash Distributions 6,538 7,018
Redeemed (58,872) (36,910)
Net Increase (Decrease) in Shares Outstanding 84,813 101,394

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

48


Target Retirement 2050 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VFIFX
30-Day SEC Yield 2.15%
Acquired Fund Fees and Expenses1 0.19%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Stock Market Index Fund  
Investor Shares 72.0%
Vanguard Total Bond Market II Index Fund  
Investor Shares 10.0
Vanguard European Stock Index Fund  
Investor Shares 8.8
Vanguard Pacific Stock Index Fund  
Investor Shares 4.6
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 4.6

Total Fund Volatility Measures  
    DJ
  Target 2050 U.S. Total
  Composite Market
  Index Index
R-Squared 1.00 0.99
Beta 1.00 0.93
These measures show the degree and timing of the fund’s fluctuations compared with the indexes over 36 months.

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2050 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.19%.

49


Target Retirement 2050 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

Cumulative Performance: June 7, 2006, Through September 30, 2010
Initial Investment of $10,000


  Average Annual Total Returns  
  Periods Ended September 30, 2010  
    Since Final Value
  One Inception of a $10,000
  Year (6/7/2006) Investment
Target Retirement 2050 Fund 10.26% 1.79% $10,794
Dow Jones U.S. Total Stock Market      
Index 11.51 0.58 10,251
Target 2050 Composite Index 10.38 1.68 10,747
Target 2050 Composite Average 10.95 1.15 10,506

Target 2050 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the Select Emerging Markets Index from inception through August 23, 2006, and the MSCI Emerging Markets Index thereafter; for bonds, the Barclays Capital U.S. Aggregate Bond Index through December 31, 2009, and the Barclays Capital U.S. Aggregate Float Adjusted Index thereafter; and for U.S. stocks, the MSCI US Broad Market Index. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies.

Target 2050 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, international funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.

"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

See Financial Highlights for dividend and capital gains information.

50


Target Retirement 2050 Fund

Fiscal-Year Total Returns (%): June 7, 2006, Through September 30, 2010


51


Target Retirement 2050 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (99.7%)    
U.S. Stock Fund (71.8%)    
Vanguard Total Stock Market Index Fund Investor Shares 38,343,567 1,089,341
 
International Stock Funds (18.0%)    
Vanguard European Stock Index Fund Investor Shares 5,125,497 132,956
Vanguard Pacific Stock Index Fund Investor Shares 6,916,747 70,274
Vanguard Emerging Markets Stock Index Fund Investor Shares 2,444,670 70,015
    273,245
Bond Fund (9.9%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 14,013,826 151,209
Total Investment Companies (Cost $1,413,527)   1,513,795
Temporary Cash Investment (0.1%)    
Money Market Fund (0.1%)    
1 Vanguard Market Liquidity Fund, 0.261% (Cost $1,231) 1,231,175 1,231
Total Investments (99.8%) (Cost $1,414,758)   1,515,026
Other Assets and Liabilities (0.2%)    
Other Assets   6,366
Liabilities   (4,084)
    2,282
Net Assets (100%)    
Applicable to 75,506,385 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   1,517,308
Net Asset Value Per Share   $20.10

52


Target Retirement 2050 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 1,414,747
Undistributed Net Investment Income 16,091
Accumulated Net Realized Losses (13,798)
Unrealized Appreciation (Depreciation) 100,268
Net Assets 1,517,308

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.
See accompanying Notes, which are an integral part of the Financial Statements.

53


Target Retirement 2050 Fund

Statement of Operations

  Year Ended
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 27,183
Net Investment Income—Note B 27,183
Realized Net Gain (Loss) on Investment Securities Sold (13,176)
Change in Unrealized Appreciation (Depreciation) of Investment Securities 104,504
Net Increase (Decrease) in Net Assets Resulting from Operations 118,511

See accompanying Notes, which are an integral part of the Financial Statements.

54


Target Retirement 2050 Fund

Statement of Changes in Net Assets

  Year Ended September 30,
  2010 2009
  ($000) ($000)
Increase (Decrease) in Net Assets    
Operations    
Net Investment Income 27,183 15,677
Realized Net Gain (Loss) (13,176) 1,753
Change in Unrealized Appreciation (Depreciation) 104,504 68,983
Net Increase (Decrease) in Net Assets Resulting from Operations 118,511 86,413
Distributions    
Net Investment Income (20,292) (11,083)
Realized Capital Gain — —
Total Distributions (20,292) (11,083)
Capital Share Transactions    
Issued 809,016 561,043
Issued in Lieu of Cash Distributions 20,210 11,001
Redeemed (333,882) (132,211)
Net Increase (Decrease) from Capital Share Transactions 495,344 439,833
Total Increase (Decrease) 593,563 515,163
Net Assets    
Beginning of Period 923,745 408,582
End of Period1 1,517,308 923,745
1 Net Assets—End of Period includes undistributed net investment income of $16,091,000 and $9,200,000.  

See accompanying Notes, which are an integral part of the Financial Statements.

55


Target Retirement 2050 Fund

Financial Highlights

         
          June 7,
     20061 to
For a Share Outstanding     Year Ended September 30, Sept. 30,
Throughout Each Period 2010 2009 2008 2007 2006
Net Asset Value, Beginning of Period $18.58 $19.43 $24.79 $21.24 $20.00
Investment Operations          
Net Investment Income .399 .4312 .5032 .4802 .1702
Capital Gain Distributions Received — — — — —
Net Realized and Unrealized Gain (Loss)          
on Investments 1.492 (.866) (5.493) 3.290 1.070
Total from Investment Operations 1.891 (.435) (4.990) 3.770 1.240
Distributions          
Dividends from Net Investment Income (.371) (.415) (.370) (.220) —
Distributions from Realized Capital Gains — — — — —
Total Distributions (.371) (.415) (.370) (.220) —
Net Asset Value, End of Period $20.10 $18.58 $19.43 $24.79 $21.24
 
Total Return3 10.26% -1.73% -20.41% 17.85% 6.20%
 
Ratios/Supplemental Data          
Net Assets, End of Period (Millions) $1,517 $924 $409 $192 $12
Ratio of Total Expenses to          
Average Net Assets — — — — —
Acquired Fund Fees and Expenses 0.19% 0.21% 0.19% 0.21% 0.21%4
Ratio of Net Investment Income to          
Average Net Assets 2.21% 2.74% 2.27% 2.04% 1.88%4
Portfolio Turnover Rate 10% 8%5 4% 2% 0%

1 Inception.
2 Calculated based on average shares outstanding.
3 Total returns do not include account service fees that may have applied in the periods shown. Fund prospectuses provide information about any applicable account service fees.
4 Annualized.
5 Excludes the value of mutual fund shares delivered and received in connection with a change in the fund’s bond investments from Vanguard Total Bond Market Index Fund to Vanguard Total Bond Market II Index Fund because those transactions were effected in kind and did not cause the fund to incur transaction costs.

See accompanying Notes, which are an integral part of the Financial Statements.

56


Target Retirement 2050 Fund

Notes to Financial Statements

Vanguard Target Retirement 2050 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, and bonds.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to continue to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for all open federal income tax years (September 30, 2007–2010), and has concluded that no provision for federal income tax is required in the fund’s financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the year ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences are primarily attributed to tax deferral of losses on wash sales and will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

57


Target Retirement 2050 Fund

For tax purposes, at September 30, 2010, the fund had $16,093,000 of ordinary income available for distribution. The fund realized losses of $146,000 during the period from November 1, 2009, through September 30, 2010, which are deferred and will be treated as realized for tax purposes in fiscal 2011.

At September 30, 2010, the cost of investment securities for tax purposes was $1,428,411,000. Net unrealized appreciation of investment securities for tax purposes was $86,615,000, consisting of unrealized gains of $100,268,000 on securities that had risen in value since their purchase and $13,653,000 in unrealized losses on securities that had fallen in value since their purchase.

E. During the year ended September 30, 2010, the fund purchased $627,369,000 of investment securities and sold $125,952,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  Year Ended September 30,
  2010 2009
  Shares Shares
  (000) (000)
Issued 42,109 36,496
Issued in Lieu of Cash Distributions 1,049 734
Redeemed (17,367) (8,548)
Net Increase (Decrease) in Shares Outstanding 25,791 28,682

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

58


Target Retirement 2055 Fund

Fund Profile
As of September 30, 2010

Total Fund Characteristics  
 
Ticker Symbol VFFVX
30-Day SEC Yield 2.15%
Acquired Fund Fees and Expenses1 0.19%
 
Allocation to Underlying Vanguard Funds  
Vanguard Total Stock Market Index Fund  
Investor Shares 72.0%
Vanguard Total Bond Market II Index Fund  
Investor Shares 10.0
Vanguard European Stock Index Fund  
Investor Shares 8.8
Vanguard Pacific Stock Index Fund  
Investor Shares 4.6
Vanguard Emerging Markets Stock Index  
Fund Investor Shares 4.6

Fund Asset Allocation


1 This figure—drawn from the prospectus dated August 18, 2010—represents an estimate of the weighted average of the expense ratios and any transaction fees charged by the underlying mutual funds (the ”acquired” funds) in which the Target Retirement 2055 Fund invests. The fund does not charge any expenses or fees of its own. For the fiscal year ended September 30, 2010, the annualized acquired fund fees and expenses were 0.22%.

59


Target Retirement 2055 Fund

Performance Summary

All of the returns in this report represent past performance, which is not a guarantee of future results that may be achieved by the fund. (Current performance may be lower or higher than the performance data cited. For performance data current to the most recent month-end, visit our website at vanguard.com/performance.) Note, too, that both investment returns and principal value can fluctuate widely, so an investor’s shares, when sold, could be worth more or less than their original cost. The returns shown do not reflect taxes that a shareholder would pay on fund distributions or on the sale of fund shares.

  Total Returns   
  Period Ended September 30, 2010   
  Since  Final Value 
  Inception  of a $10,000 
  (8/18/2010)  Investment 
Target Retirement 2055 Fund  4.90%  $10,490 
Dow Jones U.S. Total Stock Market     
Index  5.16  10,516 
Target Retirement 2055 Composite     
Index  4.98  10,498 
Target 2055 Composite Average  5.61  10,561 

Target Retirement 2055 Composite Index: Derived by applying the fund’s target asset allocation to the results of the following benchmarks: for international stocks of developed markets, the MSCI EAFE Index; for emerging markets stocks, the MSCI Emerging Markets Index; for bonds, the Barclays Capital U.S. Aggregate Float Adjusted Index; and for U.S. stocks, the MSCI US Broad Market Index. MSCI EAFE Index returns are adjusted for withholding taxes applicable to Luxembourg holding companies.

Target 2055 Composite Average: Derived by applying the fund’s target allocation to the following peer-group averages: the fixed income funds average, general equity funds average, international funds average, and emerging markets funds average. Derived from data provided by Lipper Inc.

"Since Inception" performance is calculated from the inception date for both the fund and its comparative standards.

Fiscal-Year Total Returns (%): August 18, 2010, Through September 30, 2010


1 Performance for the fund and its comparative standards is calculated since the fund’s inception date: August 18, 2010.
See Financial Highlights for dividend and capital gains information.

60


Target Retirement 2055 Fund

Financial Statements

Statement of Net Assets
As of September 30, 2010

The fund reports a complete list of its holdings in regulatory filings four times in each fiscal year, at the quarter-ends. For the second and fourth fiscal quarters, the lists appear in the fund’s semiannual and annual reports to shareholders. For the first and third fiscal quarters, the fund files the lists with the Securities and Exchange Commission on Form N-Q. Shareholders can look up the fund’s Forms N-Q on the SEC’s website at sec.gov. Forms N-Q may also be reviewed and copied at the SEC’s Public Reference Room (see the back cover of this report for further information).

    Market
    Value
  Shares ($000)
Investment Companies (99.5%)    
U.S. Stock Fund (71.6%)    
Vanguard Total Stock Market Index Fund Investor Shares 47,144 1,339
 
International Stock Funds (17.9%)    
Vanguard European Stock Index Fund Investor Shares 6,280 163
Vanguard Pacific Stock Index Fund Investor Shares 8,463 86
Vanguard Emerging Markets Stock Index Fund Investor Shares 2,995 86
    335
Bond Fund (10.0%)    
1 Vanguard Total Bond Market II Index Fund Investor Shares 17,307 187
Total Investment Companies (Cost $1,805)   1,861
Temporary Cash Investment (0.1%)    
Money Market Fund (0.1%)    
1 Vanguard Market Liquidity Fund, 0.261% (Cost $1) 1,495 1
Total Investments (99.6%) (Cost $1,806)   1,862
Other Assets and Liabilities (0.4%)    
Other Assets   27
Liabilities   (19)
    8
Net Assets (100%)    
Applicable to 89,111 outstanding $.001 par value shares of    
beneficial interest (unlimited authorization)   1,870
Net Asset Value Per Share   $20.98

61


Target Retirement 2055 Fund

At September 30, 2010, net assets consisted of:  
  Amount
  ($000)
Paid-in Capital 1,808
Undistributed Net Investment Income 6
Accumulated Net Realized Gains —
Unrealized Appreciation (Depreciation) 56
Net Assets 1,870

See Note A in Notes to Financial Statements.
1 Affiliated fund available only to Vanguard funds and certain trusts and accounts managed by Vanguard. Rate shown for Vanguard Market Liquidity Fund is the 7-day yield.
See accompanying Notes, which are an integral part of the Financial Statements.

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Target Retirement 2055 Fund

Statement of Operations

  August 18, 20101 to
  September 30, 2010
  ($000)
Investment Income  
Income  
Income Distributions Received 6
Net Investment Income—Note B 6
Realized Net Gain (Loss) on Investment Securities Sold —
Change in Unrealized Appreciation (Depreciation) of Investment Securities 56
Net Increase (Decrease) in Net Assets Resulting from Operations 62
1 Inception.  

See accompanying Notes, which are an integral part of the Financial Statements.

63


Target Retirement 2055 Fund

Statement of Changes in Net Assets

  August 18, 20101 to
  September 30, 2010
  ($000)
Increase (Decrease) in Net Assets  
Operations  
Net Investment Income 6
Realized Net Gain (Loss) —
Change in Unrealized Appreciation (Depreciation) 56
Net Increase (Decrease) in Net Assets Resulting from Operations 62
Distributions  
Net Investment Income —
Realized Capital Gain —
Total Distributions —
Capital Share Transactions  
Issued 1,825
Issued in Lieu of Cash Distributions —
Redeemed (17)
Net Increase (Decrease) from Capital Share Transactions 1,808
Total Increase (Decrease) 1,870
Net Assets  
Beginning of Period —
End of Period2 1,870
1 Inception.  
2 Net Assets—End of Period includes undistributed net investment income of $6,000.  

See accompanying Notes, which are an integral part of the Financial Statements.

64


Target Retirement 2055 Fund

Financial Highlights

  August 18, 20101 to
For a Share Outstanding Throughout the Period September 30, 2010
Net Asset Value, Beginning of Period $20.00
Investment Operations  
Net Investment Income .063
Capital Gain Distributions Received —
Net Realized and Unrealized Gain (Loss) on Investments .917
Total from Investment Operations .980
Distributions  
Dividends from Net Investment Income —
Distributions from Realized Capital Gains —
Total Distributions —
Net Asset Value, End of Period $20.98
 
Total Return2 4.90%
 
Ratios/Supplemental Data  
Net Assets, End of Period (Millions) $2
Ratio of Total Expenses to Average Net Assets —
Acquired Fund Fees and Expenses 0.22%3
Ratio of Net Investment Income to Average Net Assets 2.73%3
Portfolio Turnover Rate 3%

1 Inception.
2 Total returns do not include account service fees that may have applied in the period shown. Fund prospectuses provide information about any applicable account service fees.
3 Annualized.

See accompanying Notes, which are an integral part of the Financial Statements.

65


Target Retirement 2055 Fund

Notes to Financial Statements

Vanguard Target Retirement 2055 Fund is registered under the Investment Company Act of 1940 as an open-end investment company, or mutual fund. The fund follows a balanced investment strategy by investing in selected Vanguard funds to achieve its targeted allocation of assets to U.S. stocks, international stocks, and bonds.

A. The following significant accounting policies conform to generally accepted accounting principles for U.S. mutual funds. The fund consistently follows such policies in preparing its financial statements.

1. Security Valuation: Investments are valued at the net asset value of each underlying Vanguard fund determined as of the close of the New York Stock Exchange (generally 4 p.m., Eastern time) on the valuation date.

2. Federal Income Taxes: The fund intends to qualify as a regulated investment company and distribute all of its taxable income. Management has analyzed the fund’s tax positions taken for its open federal income tax period ended September 30, 2010, and has concluded that no provision for federal income taxes is required in the financial statements.

3. Distributions: Distributions to shareholders are recorded on the ex-dividend date.

4. Other: Income and capital gain distributions received are recorded on the ex-dividend date. Security transactions are accounted for on the date securities are bought or sold. Costs used to determine realized gains (losses) on the sale of investment securities are those of the specific securities sold.

B. Under a service agreement, The Vanguard Group furnishes investment advisory, corporate management, administrative, marketing, and distribution services to the fund. The service agreement provides that the fund’s expenses may be reduced or eliminated to the extent of savings realized by the Vanguard funds by the operation of the fund. Accordingly, all incremental expenses for services provided by Vanguard and all other expenses incurred by the fund during the period ended September 30, 2010, were borne by the funds in which the fund invests. The fund’s trustees and officers are also directors and officers of Vanguard and the funds in which the fund invests.

C. Various inputs may be used to determine the value of the fund’s investments. These inputs are summarized in three broad levels for financial statement purposes. The inputs or methodologies used to value securities are not necessarily an indication of the risk associated with investing in those securities.

Level 1—Quoted prices in active markets for identical securities.
Level 2—Other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.).
Level 3—Significant unobservable inputs (including the fund’s own assumptions used to determine the fair value of investments).

At September 30, 2010, 100% of the fund’s investments were valued based on Level 1 inputs.

D. Distributions are determined on a tax basis and may differ from net investment income and realized capital gains for financial reporting purposes. Differences may be permanent or temporary. Permanent differences are reclassified among capital accounts in the financial statements to reflect their tax character. Temporary differences arise when certain items of income, expense, gain, or loss are recognized in different periods for financial statement and tax purposes; these differences will reverse at some time in the future. Differences in classification may also result from the treatment of short-term gains as ordinary income for tax purposes.

66


Target Retirement 2055 Fund

For tax purposes, at September 30, 2010, the fund had $6,000 of ordinary income available for distribution.

At September 30, 2010, the cost of investment securities for tax purposes was $1,806,000. Net unrealized appreciation of investment securities for tax purposes was $56,000, consisting entirely of unrealized gains on securities that had risen in value since their purchase.

E. During the period ended September 30, 2010, the fund purchased $1,843,000 of investment securities and sold $39,000 of investment securities, other than temporary cash investments.

F. Capital shares issued and redeemed were:

  August 18, 20101 to
  September 30, 2010
  Shares
  (000)
Issued 90
Issued in Lieu of Cash Distributions —
Redeemed (1)
Net Increase (Decrease) in Shares Outstanding 89
1 Inception.  

G. In preparing the financial statements as of September 30, 2010, management considered the impact of subsequent events for potential recognition or disclosure in these financial statements. In September 2010, the board of trustees approved changes in the fund’s international investments. In October 2010, the fund’s three international stock fund investments, Vanguard European Stock Index, Pacific Stock Index and Emerging Markets Stock Index Funds, were replaced by an investment in Vanguard Total International Stock Index Fund. In addition, the fund’s target international equity allocation will be increased from 20% to 30% of its total equity allocation.

67


Report of Independent Registered Public Accounting Firm

To the Trustees of Vanguard Chester Funds and the Shareholders of Vanguard Target Retirement 2030 Fund, Vanguard Target Retirement 2035 Fund, Vanguard Target Retirement 2040 Fund, Vanguard Target Retirement 2045 Fund, Vanguard Target Retirement 2050 Fund and Vanguard Target Retirement 2055 Fund:

In our opinion, the accompanying statements of net assets and the related statements of operations and of changes in net assets and the financial highlights present fairly, in all material respects, the financial position of Vanguard Target Retirement 2030 Fund, Vanguard Target Retirement 2035 Fund, Vanguard Target Retirement 2040 Fund, Vanguard Target Retirement 2045 Fund, and Vanguard Target Retirement 2050 Fund at September 30, 2010, the results of each of their operations for the year then ended, the changes in each of their net assets for each of the two years in the period then ended and the financial highlights for each of the periods indicated, and the financial position of Vanguard Target Retirement 2055 Fund (collectively constituting six separate portfolios of Vanguard Chester Funds, hereafter referred to as the “Funds”) at September 30, 2010 and the results of its operations, the changes in its net assets and the financial highlights f or the period August 18, 2010 (commencement of operations) through September 30, 2010, in conformity with accounting principles generally accepted in the United States of America. These financial statements and financial highlights (hereafter referred to as “financial statements”) are the responsibility of the Funds’ management; our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits of these financial statements in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presenta tion. We believe that our audits, which included confirmation of securities at September 30, 2010 by agreement to the underlying ownership records of the Vanguard funds, provide a reasonable basis for our opinion.

PricewaterhouseCoopers LLP
Philadelphia, Pennsylvania

November 8, 2010

68


Special 2010 tax information (unaudited) for Vanguard Target Retirement Funds

This information for the fiscal year ended September 30, 2010, is included pursuant to provisions of the Internal Revenue Code.

The funds distributed qualified dividend income to shareholders during the fiscal year as follows:

  Qualified Dividend Income
Fund ($000)
Target Retirement 2030 Fund 67,366
Target Retirement 2035 Fund 121,675
Target Retirement 2040 Fund 42,050
Target Retirement 2045 Fund 64,005
Target Retirement 2050 Fund 16,394
Target Retirement 2055 Fund —

For corporate shareholders, the percentage of investment income (dividend income plus short-term gains, if any) that qualifies for the dividends-received deduction is as follows:

Fund Percentage
Target Retirement 2030 Fund 54.8%
Target Retirement 2035 Fund 61.2
Target Retirement 2040 Fund 61.8
Target Retirement 2045 Fund 61.4
Target Retirement 2050 Fund 62.6
Target Retirement 2055 Fund 91.0

69


Your Fund’s After-Tax Returns

This table presents returns for your fund both before and after taxes. The after-tax returns are shown in two ways: (1) assuming that an investor owned the fund during the entire period and paid taxes on the fund’s distributions, and (2) assuming that an investor paid taxes on the fund’s distributions and sold all shares at the end of each period.

Calculations are based on the highest individual federal income tax and capital gains tax rates in effect at the times of the distributions and the hypothetical sales. State and local taxes were not considered. After-tax returns reflect any qualified dividend income , using actual prior-year figures and estimates for 2010. (In the example, returns after the sale of fund shares may be higher than those assuming no sale. This occurs when the sale would have produced a capital loss. The calculation assumes that the investor received a tax deduction for the loss.) Please note that your actual after-tax returns will depend on your tax situation and may differ from those shown. Also note that if you own the fund in a tax-deferred account, such as an individual retirement account or a 401(k) plan, this information does not apply to you. Such accounts are not subject to current taxes.

Finally, keep in mind that a fund’s performance—whether before or after taxes—does not guarantee future results.

Average Annual Total Returns: Target Retirement Funds
Periods Ended September 30, 2010

    Since 
  One  Inception 
  Year  (6/7/2006) 
Target Retirement 2030 Fund     
Returns Before Taxes  10.21%  2.13% 
Returns After Taxes on Distributions  9.78  1.77 
Returns After Taxes on Distributions and Sale of Fund Shares  6.93  1.70 

      Since 
  One  Five  Inception 
  Year  Years  (10/27/2003) 
Target Retirement 2035 Fund       
Returns Before Taxes  10.24%  2.17%  4.86% 
Returns After Taxes on Distributions  9.83  1.72  4.45 
Returns After Taxes on Distributions and Sale of Fund Shares  6.98  1.71  4.07 

70


Average Annual Total Returns: Target Retirement Funds
Periods Ended September 30, 2010

    Since 
  One  Inception 
  Year  (6/7/2006) 
Target Retirement 2040 Fund     
Returns Before Taxes  10.23%  1.68% 
Returns After Taxes on Distributions  9.84  1.36 
Returns After Taxes on Distributions and Sale of Fund Shares  6.96  1.34 

      Since 
  One  Five  Inception 
  Year  Years  (10/27/2003) 
Target Retirement 2045 Fund       
Returns Before Taxes  10.23%  2.38%  5.31% 
Returns After Taxes on Distributions  9.81  1.96  4.93 
Returns After Taxes on Distributions and Sale of Fund Shares  6.98  1.91  4.49 

    Since 
  One  Inception 
  Year  (6/7/2006) 
Target Retirement 2050 Fund     
Returns Before Taxes  10.26%  1.79% 
Returns After Taxes on Distributions  9.87  1.46 
Returns After Taxes on Distributions and Sale of Fund Shares  6.98  1.43 

The Target Retirement 2055 Fund is not listed because the fund has operated for less than one year.

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About Your Fund’s Expenses

As a shareholder of the fund, you incur ongoing costs, which include costs for portfolio management, administrative services, and shareholder reports (like this one), among others. Operating expenses, which are deducted from a fund’s gross income, directly reduce the investment return of the fund.

A typical fund’s expenses are expressed as a percentage of its average net assets. The Target Retirement Funds have no direct expenses, but each fund bears its proportionate share of the costs for the underlying funds in which it invests. These indirect expenses make up the acquired fund fees and expenses, also expressed as a percentage of average net assets.

The following examples are intended to help you understand the ongoing cost (in dollars) of investing in your fund and to compare these costs with those of other mutual funds. The examples are based on an investment of $1,000 made at the beginning of the period shown and held for the entire period. The costs were calculated using the acquired fund fees and expenses for each Target Retirement Fund.

The accompanying table illustrates your fund’s costs in two ways:

• Based on actual fund return. This section helps you to estimate the actual expenses that you paid over the period. The ”Ending Account Value“ shown is derived from the fund‘s actual return, and the third column shows the dollar amount that would have been paid by an investor who started with $1,000 in the fund. You may use the information here, together with the amount you invested, to estimate the expenses that you paid over the period.

To do so, simply divide your account value by $1,000 (for example, an $8,600 account value divided by $1,000 = 8.6), then multiply the result by the number given for your fund under the heading ”Expenses Paid During Period.“

• Based on hypothetical 5% yearly return. This section is intended to help you compare your fund‘s costs with those of other mutual funds. It assumes that the fund had a yearly return of 5% before expenses, but that the expense ratio is unchanged. In this case—because the return used is not the fund’s actual return—the results do not apply to your investment. The example is useful in making comparisons because the Securities and Exchange Commission requires all mutual funds to calculate < FONT face=UniversLTStd-Light,Arial,Helvetica,sans-serif size=2>expenses based on a 5% return. You can assess your fund’s costs by comparing this hypothetical example with the hypothetical examples that appear in shareholder reports of other funds.

Note that the expenses shown in the table are meant to highlight and help you compare ongoing costs only and do not reflect transaction costs incurred by the fund for buying and selling securities. Further, the expenses do not include the account service fee described in the prospectus. If such a fee were applied to your account, your costs would be higher. Your fund does not charge transaction fees, such as purchase or redemption fees, nor does it carry a “sales load.” The calculations assume no shares were bought or sold during the period. Your actual costs may have been higher or lower, depending on the amount of your investment and the timing of any purchases or redemptions.

You can find more information about the fund’s expenses, including annual expense ratios, in the Financial Statements section of this report. For additional information on operating expenses and other shareholder costs, please refer to your fund’s current prospectus.

72


Six Months Ended September 30, 2010      
  Beginning Ending Expenses
  Account Value Account Value Paid During
  3/31/2010 9/30/2010 Period
Based on Actual Fund Return      
Target Retirement 2030 Fund $1,000.00 $1,008.42 $0.91
Target Retirement 2035 Fund $1,000.00 $1,003.28 $0.95
Target Retirement 2040 Fund $1,000.00 $1,004.01 $0.95
Target Retirement 2045 Fund $1,000.00 $1,003.17 $0.95
Target Retirement 2050 Fund $1,000.00 $1,004.00 $0.95
Based on Hypothetical 5% Yearly Return      
Target Retirement 2030 Fund $1,000.00 $1,024.17 $0.91
Target Retirement 2035 Fund $1,000.00 $1,024.12 $0.96
Target Retirement 2040 Fund $1,000.00 $1,024.12 $0.96
Target Retirement 2045 Fund $1,000.00 $1,024.12 $0.96
Target Retirement 2050 Fund $1,000.00 $1,024.12 $0.96

The calculations are based on the acquired fund fees and expenses for the most recent six-month period. The funds’ annualized expense figures for the period are (in order as listed from top to bottom above) 0.18%, 0.19%, 0.19%, 0.19%, and 0.19%. (The Target Retirement 2055 Fund is not listed because the fund has operated for less than six months.) The dollar amounts shown as ”Expenses Paid” are equal to the annualized expense figures for the underlying funds multiplied by the average account value over the period, multiplied by the number of days in the most recent six-month period, then divided by the number of days in the most recent 12-month period.

73


Glossary

30-Day SEC Yield. A fund’s 30-day SEC yield is derived using a formula specified by the U.S. Securities and Exchange Commission. Under the formula, data related to the fund’s security holdings in the previous 30 days are used to calculate the fund’s hypothetical net income for that period, which is then annualized and divided by the fund’s estimated average net assets over the calculation period. For the purposes of this calculation, a security’s income is based on its current market yield to maturity (in the case of bonds) or its projected dividend yield (for stocks). Because the SEC yield represents hypothetical annualized income, it will differ—at times significantly—from the fund’s actual experience. As a result, the fund’s income distributions may be higher or lower than implied by the SEC yield.

Acquired Fund Fees and Expenses. Funds that invest in other Vanguard funds incur no direct expenses, but they do bear proportionate shares of the operating, administrative, and advisory expenses of the underlying funds, and they must pay any fees charged by those funds. The figure for acquired fund fees and expenses represents a weighted average of these underlying costs. Acquired is a term that the Securities and Exchange Commission applies to any mutual fund whose shares are owned by another fund.

Beta. A measure of the magnitude of a fund’s past share-price fluctuations in relation to the ups and downs of a given market index. The index is assigned a beta of 1.00. Compared with a given index, a fund with a beta of 1.20 typically would have seen its share price rise or fall by 12% when the index rose or fell by 10%. For this report, beta is based on returns over the past 36 months for both the fund and the index. Note that a fund’s beta should be reviewed in conjunction with its R-squared (see definition). The lower the R-squared, the less correlation there is between the fund and the index, and the less reliable beta is as an indicator of volatility.

Expense Ratio. The percentage of a fund’s average net assets used to pay its annual administrative and advisory expenses. These expenses directly reduce returns to investors.

Inception Date. The date on which the assets of a fund (or one of its share classes) are first invested in accordance with the fund’s investment objective. For funds with a subscription period, the inception date is the day after that period ends. Investment performance is measured from the inception date.

R-Squared. A measure of how much of a fund’s past returns can be explained by the returns from the market in general, as measured by a given index. If a fund’s total returns were precisely synchronized with an index’s returns, its R-squared would be 1.00. If the fund’s returns bore no relationship to the index’s returns, its R-squared would be 0. For this report, R-squared is based on returns over the past 36 months for both the fund and the index.

74


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The People Who Govern Your Fund

The trustees of your mutual fund are there to see that the fund is operated and managed in your best interests since, as a shareholder, you are a part owner of the fund. Your fund’s trustees also serve on the board of directors of The Vanguard Group, Inc., which is owned by the Vanguard funds and provides services to them on an at-cost basis.

A majority of Vanguard’s board members are independent, meaning that they have no affiliation with Vanguard or the funds they oversee, apart from the sizable personal investments they have made as private individuals. The independent board members have distinguished backgrounds in business, academia, and public service. Each of the trustees and executive officers oversees 178 Vanguard funds.

The following table provides information for each trustee and executive officer of the fund. More information about the trustees is in the Statement of Additional Information, which can be obtained, without charge, by contacting Vanguard at 800-662-7447, or online at Vanguard.com.

Interested Trustee1 Amy Gutmann
  Born 1949. Trustee Since June 2006. Principal
F. William McNabb III Occupation(s) During the Past Five Years: President
Born 1957. Trustee Since July 2009. Chairman of the of the University of Pennsylvania; Christopher H.
Board. Principal Occupation(s) During the Past Five Browne Distinguished Professor of Political Science
Years: Chairman of the Board of The Vanguard Group, in the School of Arts and Sciences with secondary
Inc., and of each of the investment companies served appointments at the Annenberg School for Commu-
by The Vanguard Group, since January 2010; Director nication and the Graduate School of Education
of The Vanguard Group since 2008; Chief Executive of the University of Pennsylvania; Director of
Officer and President of The Vanguard Group and of Carnegie Corporation of New York, Schuylkill River
each of the investment companies served by The Development Corporation, and Greater Philadelphia
Vanguard Group since 2008; Director of Vanguard Chamber of Commerce; Trustee of the National
Marketing Corporation; Managing Director of The Constitution Center; Chair of the Presidential
Vanguard Group (1995–2008) . Commission for the Study of Bioethical Issues.
 
  JoAnn Heffernan Heisen
Independent Trustees Born 1950. Trustee Since July 1998. Principal
  Occupation(s) During the Past Five Years: Corporate
Emerson U. Fullwood Vice President and Chief Global Diversity Officer
Born 1948. Trustee Since January 2008. Principal since 2006 (retired 2008) and Member of the
Occupation(s) During the Past Five Years: Executive Executive Committee (retired 2008) of Johnson &
Chief Staff and Marketing Officer for North America Johnson (pharmaceuticals/consumer products); Vice
and Corporate Vice President (retired 2008) of Xerox President and Chief Information Officer of Johnson &
Corporation (document management products and Johnson (1997–2005); Director of the University
services); Director of SPX Corporation (multi-industry Medical Center at Princeton and Women’s Research
manufacturing), the United Way of Rochester, and Education Institute; Member of the Advisory
Amerigroup Corporation (managed health care), Board of the Maxwell School of Citizenship and Public
the University of Rochester Medical Center, and Affairs at Syracuse University.
Monroe Community College Foundation.  
  F. Joseph Loughrey
Rajiv L. Gupta Born 1949. Trustee Since October 2009. Principal
Born 1945. Trustee Since December 2001.2 Occupation(s) During the Past Five Years: President
Principal Occupation(s) During the Past Five Years: and Chief Operating Officer since 2005 (retired 2009)
Chairman and Chief Executive Officer (retired 2009) and Vice Chairman of the Board (2008–2009) of
and President (2006–2008) of Rohm and Haas Co. Cummins Inc. (industrial machinery); Director of
(chemicals); Director of Tyco International, Ltd. SKF AB (industrial machinery), Hillenbrand, Inc.
(diversified manufacturing and services) and Hewlett- (specialized consumer services), Sauer-Danfoss Inc.
Packard Co. (electronic computer manufacturing); (machinery), the Lumina Foundation for Education,
Trustee of The Conference Board; Member of the and Oxfam America; Chairman of the Advisory
Board of Managers of Delphi Automotive LLP Council for the College of Arts and Letters at the
(automotive components) . University of Notre Dame.


André F. Perold Kathryn J. Hyatt  
Born 1952. Trustee Since December 2004. Principal Born 1955. Treasurer Since November 2008. Principal
Occupation(s) During the Past Five Years: George Occupation(s) During the Past Five Years: Principal
Gund Professor of Finance and Banking at the Harvard of The Vanguard Group, Inc.; Treasurer of each of
Business School; Chair of the Investment Committee the investment companies served by The Vanguard
of HighVista Strategies LLC (private investment firm) . Group since 2008; Assistant Treasurer of each of the
  investment companies served by The Vanguard Group
Alfred M. Rankin, Jr. (1988–2008) .  
Born 1941. Trustee Since January 1993. Principal    
Occupation(s) During the Past Five Years: Chairman, Heidi Stam  
President, and Chief Executive Officer of NACCO Born 1956. Secretary Since July 2005. Principal
Industries, Inc. (forklift trucks/housewares/lignite); Occupation(s) During the Past Five Years: Managing
Director of Goodrich Corporation (industrial products/ Director of The Vanguard Group, Inc., since 2006;
aircraft systems and services); Chairman of the General Counsel of The Vanguard Group since 2005;
Federal Reserve Bank of Cleveland; Trustee of The Secretary of The Vanguard Group and of each of the
Cleveland Museum of Art. investment companies served by The Vanguard Group
  since 2005; Director and Senior Vice President of
Peter F. Volanakis Vanguard Marketing Corporation since 2005;
Born 1955. Trustee Since July 2009. Principal Principal of The Vanguard Group (1997–2006).
Occupation(s) During the Past Five Years: President    
since 2007 and Chief Operating Officer since 2005    
of Corning Incorporated (communications equipment); Vanguard Senior Management Team
President of Corning Technologies (2001–2005);    
Director of Corning Incorporated and Dow Corning; R. Gregory Barton Michael S. Miller
Trustee of the Corning Incorporated Foundation and Mortimer J. Buckley James M. Norris
the Corning Museum of Glass; Overseer of the Kathleen C. Gubanich Glenn W. Reed
Amos Tuck School of Business Administration at Paul A. Heller George U. Sauter
Dartmouth College.    
 
  Chairman Emeritus and Senior Advisor
Executive Officers    
  John J. Brennan  
Glenn Booraem Chairman, 1996–2009  
Born 1967. Controller Since July 2010. Principal Chief Executive Officer and President, 1996–2008
Occupation(s) During the Past Five Years: Principal    
of The Vanguard Group, Inc.; Controller of each of    
the investment companies served by The Vanguard Founder  
Group since 2010; Assistant Controller of each of    
the investment companies served by The Vanguard John C. Bogle  
Group (2001–2010) . Chairman and Chief Executive Officer, 1974–1996
 
Thomas J. Higgins    
Born 1957. Chief Financial Officer Since September    
2008. Principal Occupation(s) During the Past Five    
Years: Principal of The Vanguard Group, Inc.; Chief    
Financial Officer of each of the investment companies    
served by The Vanguard Group since 2008; Treasurer    
of each of the investment companies served by The    
Vanguard Group (1998–2008) .    

1 Mr. McNabb is considered an “interested person,” as defined in the Investment Company Act of 1940, because he is an officer of the Vanguard funds.
2 December 2002 for Vanguard Equity Income Fund, Vanguard Growth Equity Fund, the Vanguard Municipal Bond Funds, and the Vanguard State Tax-Exempt Funds.


 

 P.O. Box 2600
 Valley Forge, PA 19482-2600

Connect with Vanguard® > Vanguard.com

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This material may be used in conjunction  
with the offering of shares of any Vanguard  
fund only if preceded or accompanied by  
the fund’s current prospectus.  
 
All comparative mutual fund data are from Lipper Inc. or  
Morningstar, Inc., unless otherwise noted.  
 
You can obtain a free copy of Vanguard’s proxy voting  
guidelines by visiting vanguard.com/proxyreporting or by  
calling Vanguard at 800-662-2739. The guidelines are  
also available from the SEC’s website, sec.gov. In  
addition, you may obtain a free report on how your fund  
voted the proxies for securities it owned during the 12  
months ended June 30. To get the report, visit either  
vanguard.com/proxyreporting or sec.gov.  
 
You can review and copy information about your fund at  
the SEC’s Public Reference Room in Washington, D.C. To  
find out more about this public service, call the SEC at  
202-551-8090. Information about your fund is also  
available on the SEC’s website, and you can receive  
copies of this information, for a fee, by sending a  
request in either of two ways: via e-mail addressed to  
publicinfo@sec.gov or via regular mail addressed to the  
Public Reference Section, Securities and Exchange  
Commission, Washington, DC 20549-1520.  
 
 
  © 2010 The Vanguard Group, Inc.
  All rights reserved.
  Vanguard Marketing Corporation, Distributor.
 
  Q3080B 112010


Item 2: Code of Ethics. The Registrant has adopted a code of ethics that applies to the Registrant’s principal executive officer, principal financial officer, principal accounting officer or controller or persons performing similar functions. The Code of Ethics was amended during the reporting period covered by this report to make certain technical, non-material changes.

Item 3: Audit Committee Financial Expert. The following members of the Audit Committee have been determined by the Registrant’s Board of Trustees to be Audit Committee Financial Experts serving on its Audit Committee, and to be independent: Charles D. Ellis, Rajiv L. Gupta, JoAnn Heffernan Heisen, André F. Perold, and Alfred M. Rankin, Jr.

Item 4: Principal Accountant Fees and Services.

(a) Audit Fees.

Audit Fees of the Registrant

Fiscal Year Ended September 30, 2010: $182,000 Fiscal Year Ended September 30, 2009: $176,000

Aggregate Audit Fees of Registered Investment Companies in the Vanguard Group.

Fiscal Year Ended September 30, 2010: $3,607,060
Fiscal Year Ended September 30, 2009: $3,354,640

(b) Audit-Related Fees.

Fiscal Year Ended September 30, 2010: $791,350
Fiscal Year Ended September 30, 2009: $876,210

Includes fees billed in connection with assurance and related services provided to the Registrant, The Vanguard Group, Inc., Vanguard Marketing Corporation, and other registered investment companies in the Vanguard Group.

(c) Tax Fees.

Fiscal Year Ended September 30, 2010: $336,090
Fiscal Year Ended September 30, 2009: $423,070

Includes fees billed in connection with tax compliance, planning and advice services provided to the Registrant, The Vanguard Group, Inc., Vanguard Marketing Corporation, and other registered investment companies in the Vanguard Group and related to income and excise taxes.

(d) All Other Fees.

Fiscal Year Ended September 30, 2010: $16,000
Fiscal Year Ended September 30, 2009: $0

Includes fees billed for services related to risk management and privacy matters. Services were provided to the Registrant, The Vanguard Group, Inc., Vanguard Marketing Corporation, and other registered investment companies in the Vanguard Group.

(e) (1) Pre-Approval Policies. The policy of the Registrant’s Audit Committee is to consider and, if appropriate, approve before the principal accountant is engaged for such services, all specific audit and non-audit services provided to: (1) the Registrant; (2) The Vanguard Group, Inc.; (3) other entities controlled by The Vanguard Group, Inc. that provide ongoing services to the Registrant; and (4) other registered investment


companies in the Vanguard Group. In making a determination, the Audit Committee considers whether the services are consistent with maintaining the principal accountant’s independence.

     In the event of a contingency situation in which the principal accountant is needed to provide services in between scheduled Audit Committee meetings, the Chairman of the Audit Committee would be called on to consider and, if appropriate, pre-approve audit or permitted non-audit services in an amount sufficient to complete services through the next Audit Committee meeting, and to determine if such services would be consistent with maintaining the accountant’s independence. At the next scheduled Audit Committee meeting, services and fees would be presented to the Audit Committee for formal consideration, and, if appropriate, approval by the entire Audit Committee. The Audit Committee would again consider whether such services and fees are consistent with maintaining the principal accountant’s independence.

     The Registrant’s Audit Committee is informed at least annually of all audit and non-audit services provided by the principal accountant to the Vanguard complex, whether such services are provided to: (1) the Registrant; (2) The Vanguard Group, Inc.; (3) other entities controlled by The Vanguard Group, Inc. that provide ongoing services to the Registrant; or (4) other registered investment companies in the Vanguard Group.

     (2) No percentage of the principal accountant’s fees or services were approved pursuant to the waiver provision of paragraph (c)(7)(i)(C) of Rule 2-01 of Regulation S-X.

(f) For the most recent fiscal year, over 50% of the hours worked under the principal accountant’s engagement were not performed by persons other than full-time, permanent employees of the principal accountant.

(g) Aggregate Non-Audit Fees.

Fiscal Year Ended September 30, 2010: $352,090
Fiscal Year Ended September 30, 2009: $423,070

Includes fees billed for non-audit services provided to the Registrant, The Vanguard Group, Inc., Vanguard Marketing Corporation, and other registered investment companies in the Vanguard Group.

(h) For the most recent fiscal year, the Audit Committee has determined that the provision of all non-audit services was consistent with maintaining the principal accountant’s independence.

Item 5: Audit Committee of Listed Registrants.

Not Applicable.

Item 6: Investments.

Not Applicable.

Item 7: Disclosure of Proxy Voting Policies and Procedures for Closed-End Management Investment Companies.

Not Applicable.

Item 8: Portfolio Managers of Closed-End Management Investment Companies.

Not Applicable.

Item 9: Purchase of Equity Securities by Closed-End Management Investment Company and Affiliated Purchasers.

Not Applicable.


Item 10: Submission of Matters to a Vote of Security Holders.

Not Applicable.

Item 11: Controls and Procedures.

     (a) Disclosure Controls and Procedures. The Principal Executive and Financial Officers concluded that the Registrant's Disclosure Controls and Procedures are effective based on their evaluation of the Disclosure Controls and Procedures as of a date within 90 days of the filing date of this report.

     (b) Internal Control Over Financial Reporting. There were no significant changes in Registrant’s Internal Control Over Financial Reporting or in other factors that could significantly affect this control subsequent to the date of the evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.

Pursuant to the requirements of the Securities Exchange Act of 1934 and the Investment Company Act of 1940, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.


Item 12: Exhibits.

(a) Code of Ethics.
(b) Certifications.

  VANGUARD CHESTER FUNDS 
 
By:  /s/ F. WILLIAM MCNABB III* 
  F. WILLIAM MCNABB III 
  CHIEF EXECUTIVE OFFICER 
 
Date: November 18, 2010 

Pursuant to the requirements of the Securities Exchange Act of 1934 and the Investment Company Act of 1940, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

  VANGUARD CHESTER FUNDS 
 
By:  /s/ F. WILLIAM MCNABB III* 
  F. WILLIAM MCNABB III 
  CHIEF EXECUTIVE OFFICER 
 
Date: November 18, 2010 

  VANGUARD CHESTER FUNDS 
 
By:  /s/ THOMAS J. HIGGINS* 
  THOMAS J. HIGGINS 
  CHIEF FINANCIAL OFFICER 
 
Date: November 18, 2010 

* By: /s/ Heidi Stam

Heidi Stam, pursuant to a Power of Attorney filed on April 26, 2010, see file Number
33-53683, Incorporated by Reference.

 EX-31 2 cert_302.htm CERT 302 cert_302.htm - Generated by SEC Publisher for SEC Filing

 

CERTIFICATIONS

 

I, F. William McNabb III, certify that:

 

1. I have reviewed this report on Form N-CSR of Vanguard Chester Funds;

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations, changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of the registrant as of, and for, the periods presented in this report;

 

4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Rule 30a-3(c) under the Investment Company Act of 1940) and internal control over financial reporting (as defined in Rule 30a-3(d) under the Investment Company Act of 1940) for the registrant and have:

 

(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of a date within 90 days prior to the filing date of this report based on such evaluation; and

 

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the second fiscal quarter of the period covered by this report that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5. The registrant’s other certifying officer(s) and I have disclosed to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize, and report financial information; and

 

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date: November 18, 2010

/s/ F. William McNabb III

 

F. William McNabb III

 

Chief Executive Officer

 

 

 

CERTIFICATIONS

 

I, Thomas J. Higgins, certify that:

 

1. I have reviewed this report on Form N-CSR of Vanguard Chester Funds;

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations, changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of the registrant as of, and for, the periods presented in this report;

 

4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Rule 30a-3(c) under the Investment Company Act of 1940) and internal control over financial reporting (as defined in Rule 30a-3(d) under the Investment Company Act of 1940) for the registrant and have:

 

(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of a date within 90 days prior to the filing date of this report based on such evaluation; and

 

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the second fiscal quarter of the period covered by this report that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5. The registrant’s other certifying officer(s) and I have disclosed to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize, and report financial information; and

 

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date: November 18, 2010

/s/ Thomas J Higgins

 

Thomas J. Higgins

 

Chief Financial Officer

 

 

 EX-32 3 cert906.htm CERT 906 cert906.htm - Generated by SEC Publisher for SEC Filing

 

Certification Pursuant to 18 U.S.C. Section 1350,

As Adopted Pursuant to

Section 906 of the Sarbanes-Oxley Act of 2002

 

 

Name of Issuer: Vanguard Chester Funds

 

            In connection with the Report on Form N-CSR of the above-named issuer that is accompanied by this certification, the undersigned hereby certifies, to his knowledge, that:

 

1.            The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

 

2.            The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the issuer.

 

 

Date: November 18, 2010

/s/ F. William McNabb III

 

F. William McNabb III

 

Chief Executive Officer

 

 

 

 

Certification Pursuant to 18 U.S.C. Section 1350,

As Adopted Pursuant to

Section 906 of the Sarbanes-Oxley Act of 2002

 

 

Name of Issuer:  Vanguard Chester Funds

 

            In connection with the Report on Form N-CSR of the above-named issuer that is accompanied by this certification, the undersigned hereby certifies, to his knowledge, that:

 

1. The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

 

2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the issuer.

 

 

Date: November 18, 2010         

/s/ Thomas J Higgins

 

Thomas J. Higgins

 

Chief Financial Officer

 

 

 EX-99.CODE ETH 4 codeof_ethics.htm CODE OF ETHICS codeof_ethics.htm - Generated by SEC Publisher for SEC Filing

 

   

 

the vanguard FUNDS’

CODE OF Ethics

fOR

SENIOR executive and FINANCIAL OFFICERS

I.                   Introduction

 The Board of Trustees of each registered investment company that is managed, sponsored, and distributed by The Vanguard Group, Inc. (“VGI”) (each a “Vanguard Fund” and collectively the “Vanguard Funds”) has adopted this code of ethics (the “Code”) as required by Section 406 of the Sarbanes-Oxley Act.  The Code applies to the individuals in positions listed on Exhibit A (the “Covered Officers”).  All Covered Officers, along with employees of The Vanguard Group, Inc., are subject to separate and distinct obligations from this Code under a Code of Ethics adopted pursuant to Rule 17j-1 under the Investment Company Act of 1940 (“17j-1 Code of Ethics”), policies to prevent the misuse of non-public information, and other internal compliance guidelines and policies that may be in effect from time t o time.

This Code is designed to promote:

·         Honest and ethical conduct, including the ethical handling of conflicts of interest;

·         Full, fair, accurate, timely, and understandable disclosure in reports and documents that a Vanguard Fund files with, or submits to, the U.S. Securities and Exchange Commission, or in other public communications made by the Vanguard Funds or VGI;

·         Compliance with applicable laws, governmental rules, and regulations;

·         Prompt internal reporting to those identified in the Code of violations of the Code; and

·         Accountability for adherence to the Code.

II.                Actual or Apparent Conflicts of Interest

A.  Covered Officers should conduct all activities in accordance with the following principles:

1.   Shareholders’ interests come first. In the course of fulfilling their duties and responsibilities to Vanguard Fund shareholders, Covered Officers must at all times place the interests of Vanguard Fund shareholders first.  In particular, Covered Officers must avoid serving their own personal interests ahead of the interests of Vanguard Fund shareholders.

 

2.   Conflicts of interest must be avoided.  Covered Officers must avoid any situation involving an actual or potential conflict of interest or possible impropriety with respect to their duties and responsibilities to Vanguard Fund shareholders.

 

3.   Compromising situations must be avoided.  Covered Officers must not take advantage of their position of trust and responsibility.  Covered Officers must avoid any situation that might compromise or call into question their exercise of full independent judgment in the best interests of Vanguard Fund shareholders.

#54305   3/1/2010

 

 

 

All activities of Covered Officers should be guided by and adhere to these fiduciary standards regardless of whether the activity is specifically described in this Code.

 

B.  Restricted Activities

 

 

1.   Prohibition on secondary employment.  Covered Officers are prohibited from accepting or serving in any form of secondary employment.  Secondary employment that does not create a potential conflict of interest may be approved by the General Counsel of VGI.

 

2.      Prohibition on service as director or public official.  Unless approved by the General Counsel of VGI, Covered Officers are prohibited from serving on the board of directors of any publicly traded company or in an official capacity for any federal, state, or local government (or governmental agency or instrumentality).

 

3.      Prohibition on misuse of Vanguard time or property.  Covered Officers are prohibited from making use of time, equipment, services, personnel or property of any Vanguard entity for any purposes other than the performance of their duties and responsibilities in connection with the Vanguard Funds or other Vanguard-related entities.

III.             Disclosure and Compliance

A.  Each Covered Officer should be familiar with the disclosure requirements generally applicable to the Vanguard Funds.

 

B.  Each Covered Officer should not knowingly misrepresent, or cause others to misrepresent, facts about the Vanguard Funds to others, including to the Vanguard Funds’ directors and auditors, or to government regulators and self-regulatory organizations.

 

C.  Each Covered Officer should, to the extent appropriate within the Covered Officer’s area of responsibility, consult with other officers and employees of VGI and advisers to a Vanguard Fund with the goal of promoting full, fair, accurate, timely and understandable disclosure in the reports and documents the fund files with, or submits to, the SEC and in other public communications made by a Vanguard Fund.

 

D.  It is the responsibility of each Covered Officer to promote compliance with the standards and restrictions imposed by applicable laws, rules, regulations, and the 17j-1 Code of Ethics.

 

 

 

 

 

 

#54305  3/1/2010

 

 

IV.             Reporting and Accountability

 

A.  Each Covered Officer must:

 

1.      Upon adoption or amendment of the Code (or thereafter as applicable, upon becoming a Covered Officer), affirm in writing that he or she has received, read, and understands the Code;

 

2.      Affirm at least annually in writing that he or she has complied with the requirements of the Code;

 

3.      Not retaliate against any other Covered Officer or any employee of VGI for reports of potential violations of the Code that are made in good faith; and

 

4.      Notify the General Counsel of VGI promptly if the Covered Officer knows of any violations of this Code.

 

B.  The Vanguard Funds will use the following procedures in investigating and enforcing this Code:

 

1.      The General Counsel of VGI is responsible for applying this Code to specific situations and has the authority to interpret this Code in any particular situation.  The General Counsel will report on an as-needed basis to the Board of Trustees regarding activities subject to the Code. 

2.      The General Counsel will take all appropriate action to investigate any potential violations of the Code that are reported to him.

 

3.      If, after investigation, the General Counsel believes that no material violation of the Code has occurred, the General Counsel is not required to take any further action.

 

4.      Any matter that the General Counsel believes is a material violation of the Code will be reported to the Board of Trustees of the Vanguard Funds.

 

5.      If the Board of Trustees of the Vanguard Funds concurs that a material violation of the Code has occurred, the Board will consider appropriate action.  Appropriate action may include reassignment, suspension, or dismissal of the applicable Covered Officer(s), or any other sanctions the Board deems appropriate.  Appropriate action may also include review of, and appropriate modifications to, applicable policies and procedures.

 

6.      Any changes to or waiver of this Code will, to the extent required, be disclosed as provided by SEC rules.

V.                Other Policies and Procedures

This Code shall be the sole code of conduct adopted by the Vanguard Funds for purposes of Section 406 of the Sarbanes-Oxley Act and the rules and forms applicable to registered investment companies thereunder. Insofar as other policies or procedures of the Vanguard Funds, VGI, or other service providers govern or purport to govern the behavior or activities of the Covered Officers, they are superseded by this Code to the extent that they overlap or conflict with the provisions of this Code.

#54305  3/1/2010

 

 

 

VGI’s and the Vanguard Funds’ 17j-1 Code of Ethics, policies to prevent the misuse of non-public information, and other internal compliance guidelines and policies that may be in effect from time to time are separate requirements applying to the Covered Officers and others, and are not part of this Code.

VI.       Amendments

            This Code may not be materially amended except by the approval of a majority vote of the independent trustees of the Vanguard Funds’ Board of Trustees.  Non-material, technical, and administrative revisions of the Code do not have to be approved by the Board of Trustees.   Amendments must be in writing and communicated promptly to the Covered Officers, who shall affirm receipt of the amended Code in accordance with Section IV. A. 1. 

VII.     Confidentiality

            All reports and records prepared or maintained pursuant to this Code shall be considered confidential and shall be maintained and protected accordingly.  Except as otherwise required by law or this Code, such matters shall not be disclosed to anyone other than the Vanguard Funds’ Board of Trustees and VGI’s General Counsel.

 

Last Reviewed: March 1, 2010

#54305  3/1/2010

 

 

EXHIBIT A

to the vanguard FUNDS’

 CODE OF Ethics

fOR

SENIOR executive and FINANCIAL OFFICERS

 

Covered Officers:

Chairman, President and Chief Executive Officer of The Vanguard Group, Inc. and the Vanguard Funds

Managing Director of Strategy and Finance of The Vanguard Group, Inc.

Chief Financial Officer and Controller of The Vanguard Group, Inc.

Treasurer of The Vanguard Group, Inc.

Director of Financial Planning and Analysis of The Vanguard Group, Inc.

Assistant Controller(s) of The Vanguard Group, Inc.

Principal of Internal Audit, The Vanguard Group, Inc.

Chief Financial Officer of the Vanguard Funds

Treasurer of the Vanguard Funds

Controller of the Vanguard Funds

Assistant Treasurer(s) of the Vanguard Funds

Assistant Controller(s) of the Vanguard Funds

 

 

 

 

 

 

 

#54305   3/1/2010

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