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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in T. Rowe Price Retirement 2015 Fund, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
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Returns By Period
T. Rowe Price Retirement 2015 Fund (TRRGX) has returned -1.95% so far this year and 2.75% over the past 12 months. Over the last ten years, TRRGX has returned 5.97% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
T. Rowe Price Retirement 2015 Fund
- 1D
- -0.08%
- 1M
- -5.29%
- YTD
- -1.95%
- 6M
- -5.63%
- 1Y
- 2.75%
- 3Y*
- 6.99%
- 5Y*
- 3.28%
- 10Y*
- 5.97%
Benchmark (S&P 500 Index)
- 1D
- 2.91%
- 1M
- -5.09%
- YTD
- -4.63%
- 6M
- -2.39%
- 1Y
- 16.33%
- 3Y*
- 16.69%
- 5Y*
- 10.18%
- 10Y*
- 12.16%
Monthly Returns
Based on dividend-adjusted daily data since Mar 1, 2004, TRRGX's average daily return is +0.03%, while the average monthly return is +0.52%. At this rate, your investment would double in approximately 11.1 years.
Historically, 66% of months were positive and 34% were negative. The best month was Apr 2009 with a return of +9.0%, while the worst month was Oct 2008 at -15.0%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 5 months.
On a daily basis, TRRGX closed higher 51% of trading days. The best single day was Oct 13, 2008 with a return of +7.4%, while the worst single day was Oct 15, 2008 at -6.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.40% | 1.10% | -5.29% | -1.95% | |||||||||
| 2025 | 2.07% | 0.62% | -1.47% | -0.00% | 2.20% | 2.31% | 0.45% | 1.87% | 1.76% | 0.87% | 0.50% | -5.05% | 6.04% |
| 2024 | 0.00% | 2.00% | 2.12% | -2.32% | 2.62% | 0.88% | 1.82% | 1.71% | 1.30% | -1.66% | 2.53% | -2.28% | 8.85% |
| 2023 | 4.63% | -2.04% | 1.91% | 0.85% | -1.01% | 2.73% | 2.00% | -1.55% | -2.73% | -1.70% | 5.54% | 4.11% | 13.01% |
| 2022 | -3.20% | -1.69% | 0.00% | -5.22% | 0.08% | -5.05% | 4.37% | -2.81% | -6.18% | 2.75% | 4.95% | -2.34% | -14.10% |
| 2021 | -0.13% | 1.54% | 1.12% | 2.54% | 0.89% | 0.76% | 0.69% | 1.37% | -2.14% | 2.44% | -1.53% | 1.82% | 9.65% |
Benchmark Metrics
T. Rowe Price Retirement 2015 Fund has an annualized alpha of 1.26%, beta of 0.55, and R² of 0.85 versus S&P 500 Index. Calculated based on daily prices since March 02, 2004.
- This fund participated in 67.24% of S&P 500 Index downside but only 62.27% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.55 indicates this fund moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 1.26%
- Beta
- 0.55
- R²
- 0.85
- Upside Capture
- 62.27%
- Downside Capture
- 67.24%
Expense Ratio
TRRGX has an expense ratio of 0.51%, placing it in the medium range.
Return for Risk
Risk / Return Rank
TRRGX ranks 11 for risk / return — in the bottom 11% of mutual funds on our site. This means you're taking on significantly more risk than the returns justify. Consider whether the potential upside is worth the volatility, or explore alternatives with better risk / return profiles.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for T. Rowe Price Retirement 2015 Fund (TRRGX) and compare them to a chosen benchmark (S&P 500 Index).
| TRRGX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.32 | 0.90 | -0.58 |
Sortino ratioReturn per unit of downside risk | 0.46 | 1.39 | -0.93 |
Omega ratioGain probability vs. loss probability | 1.08 | 1.21 | -0.13 |
Calmar ratioReturn relative to maximum drawdown | 0.28 | 1.40 | -1.12 |
Martin ratioReturn relative to average drawdown | 0.84 | 6.61 | -5.77 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore TRRGX risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
T. Rowe Price Retirement 2015 Fund provided a 0.00% dividend yield over the last twelve months, with an annual payout of $0.00 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.00 | $0.00 | $0.50 | $0.66 | $1.40 | $1.67 | $1.35 | $0.76 | $1.35 | $1.09 | $0.23 | $0.42 |
Dividend yield | 0.00% | 0.00% | 4.00% | 5.52% | 12.45% | 11.34% | 9.02% | 5.24% | 10.35% | 7.28% | 1.62% | 3.07% |
Monthly Dividends
The table displays the monthly dividend distributions for T. Rowe Price Retirement 2015 Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | |||||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.50 | $0.50 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.66 | $0.66 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.40 | $1.40 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.67 | $1.67 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the T. Rowe Price Retirement 2015 Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the T. Rowe Price Retirement 2015 Fund was 43.17%, occurring on Mar 9, 2009. Recovery took 452 trading sessions.
The current T. Rowe Price Retirement 2015 Fund drawdown is 7.30%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -43.17% | Oct 15, 2007 | 352 | Mar 9, 2009 | 452 | Dec 21, 2010 | 804 |
| -21.31% | Feb 20, 2020 | 23 | Mar 23, 2020 | 84 | Jul 22, 2020 | 107 |
| -19.89% | Nov 17, 2021 | 229 | Oct 14, 2022 | 396 | May 14, 2024 | 625 |
| -14.7% | May 2, 2011 | 108 | Oct 3, 2011 | 95 | Feb 17, 2012 | 203 |
| -12.33% | May 22, 2015 | 183 | Feb 11, 2016 | 125 | Aug 10, 2016 | 308 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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