ARYIX vs. URINX

Last updated Aug 2, 2026

ARYIX (American Century Investments One Choice 2035 Portfolio) and URINX (USAA Target Retirement Income Fund) are both Target Retirement Date funds. Over the past 10 years, ARYIX returned 7.39%/yr vs 5.57%/yr for URINX. Their correlation of 0.92 means they have usually moved in the same direction. ARYIX charges 0.81%/yr vs 0.04%/yr for URINX.

Performance

ARYIX vs. URINX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in American Century Investments One Choice 2035 Portfolio (ARYIX) and USAA Target Retirement Income Fund (URINX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, ARYIX achieves a 5.47% return, which is significantly lower than URINX's 5.97% return. Over the past 10 years, ARYIX has outperformed URINX with an annualized return of 7.39%, while URINX has yielded a comparatively lower 5.57% annualized return.

ARYIX

• 1D: 0.95%
• 1M: -0.06%
• 6M: 3.67%
• YTD: 5.47%
• 1Y: 11.48%
• 3Y*: 9.90%
• 5Y*: 4.60%
• 10Y*: 7.39%
• ALL TIME*: 7.15%

URINX

• 1D: 0.59%
• 1M: 0.17%
• 6M: 4.23%
• YTD: 5.97%
• 1Y: 11.68%
• 3Y*: 9.68%
• 5Y*: 4.98%
• 10Y*: 5.57%
• ALL TIME*: 6.67%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
ARYIX American Century Investments One Choice 2035 Portfolio	$0.00	$0.00	$0.00
URINX USAA Target Retirement Income Fund	$0.00	$0.00	$0.00

ARYIX vs. URINX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
ARYIX American Century Investments One Choice 2035 Portfolio	5.47%	12.27%	8.71%	12.88%	-15.65%	10.80%	13.85%	19.98%	-3.48%	12.69%
URINX USAA Target Retirement Income Fund	5.97%	12.36%	6.66%	10.79%	-10.38%	6.47%	8.74%	11.72%	-3.00%	8.34%

Correlation

The correlation between ARYIX and URINX is 0.95 - they have historically moved very closely together. At this level, their price movements offset little of one another.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.95
Correlation (3Y) Balances recent behavior with more history.	0.95
Correlation (5Y) Shows whether the relationship held over a longer period.	0.95
Correlation (10Y) Provides a long-term view across more market conditions.	0.93
Correlation (All Time) Calculated using the full available price history since Dec 15, 2008	0.92

The correlation between ARYIX and URINX has been stable across timeframes, ranging from 0.92 to 0.95 - a consistent structural relationship.

Return for Risk

ARYIX vs. URINX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

ARYIX

ARYIX Risk / Return Rank: 51
ARYIX Sharpe Ratio Rank: 53
ARYIX Sortino Ratio Rank: 54
ARYIX Omega Ratio Rank: 52
ARYIX Calmar Ratio Rank: 43
ARYIX Martin Ratio Rank: 54

URINX

URINX Risk / Return Rank: 85
URINX Sharpe Ratio Rank: 85
URINX Sortino Ratio Rank: 84
URINX Omega Ratio Rank: 83
URINX Calmar Ratio Rank: 85
URINX Martin Ratio Rank: 90

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

ARYIX vs. URINX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for American Century Investments One Choice 2035 Portfolio (ARYIX) and USAA Target Retirement Income Fund (URINX). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	ARYIX	URINX	Difference
Sharpe ratio: Return per unit of total volatility	1.45	2.05	-0.60
Sortino ratio: Return per unit of downside risk	2.09	3.01	-0.92
Omega ratio: Gain probability vs. loss probability	1.26	1.39	-0.13
Calmar ratio: Return relative to maximum drawdown	1.77	2.94	-1.17
Martin ratio: Return relative to average drawdown	7.55	12.40	-4.84

ARYIX vs. URINX - Sharpe Ratio Comparison

The current ARYIX Sharpe Ratio is 1.45, which is comparable to the URINX Sharpe Ratio of 2.05. The chart below compares the historical Sharpe Ratios of ARYIX and URINX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

ARYIX vs. URINX - Drawdown Comparison

The maximum ARYIX drawdown since its inception was -45.10%, which is greater than URINX's maximum drawdown of -15.27%. Use the drawdown chart below to compare losses from any high point for ARYIX and URINX.

Drawdown Indicators

	ARYIX	URINX	Difference
Max Drawdown Largest peak-to-trough decline	-45.10%	-15.27%	-29.83%
Max Drawdown (1Y) Largest decline over 1 year	-6.07%	-3.92%	-2.15%
Max Drawdown (3Y) Largest decline over 3 years	-9.68%	-4.84%	-4.84%
Max Drawdown (5Y) Largest decline over 5 years	-21.91%	-15.27%	-6.64%
Max Drawdown (10Y) Largest decline over 10 years	-24.18%	-15.27%	-8.91%
Current Drawdown Current decline from peak	-0.53%	-0.30%	-0.23%
Average Drawdown Average peak-to-trough decline	-5.34%	-1.90%	-3.44%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.42%	0.93%	+0.49%

Volatility

ARYIX vs. URINX - Volatility Comparison

American Century Investments One Choice 2035 Portfolio (ARYIX) has a higher volatility of 1.96% compared to USAA Target Retirement Income Fund (URINX) at 1.44%. This indicates that ARYIX's price experiences larger fluctuations and is considered to be riskier than URINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ARYIX	URINX	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.96%	1.44%	+0.52%
Volatility (6M) Calculated over the trailing 6-month period	6.11%	4.82%	+1.29%
Volatility (1Y) Calculated over the trailing 1-year period	7.43%	5.64%	+1.79%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	9.82%	6.37%	+3.45%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	10.46%	5.87%	+4.59%

ARYIX vs. URINX - Expense Ratio Comparison

ARYIX has a 0.81% expense ratio, which is higher than URINX's 0.04% expense ratio.

Dividends

ARYIX vs. URINX - Dividend Comparison

ARYIX's dividend yield for the trailing twelve months is around 10.46%, more than URINX's 5.81% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ARYIX American Century Investments One Choice 2035 Portfolio	10.46%	11.03%	4.60%	2.68%	5.29%	7.37%	6.20%	8.10%	10.05%	1.42%	3.55%	7.45%
URINX USAA Target Retirement Income Fund	5.81%	6.07%	4.22%	3.48%	6.63%	6.66%	3.97%	6.37%	6.11%	5.68%	3.34%	4.54%

Frequently Asked Questions

Can I hold both ARYIX and URINX in my portfolio?

With a correlation of 0.95, ARYIX and URINX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, ARYIX or URINX?

ARYIX has higher volatility (1.96%) compared to URINX (1.44%). In terms of maximum drawdown, ARYIX dropped -45.10% vs URINX's -15.27%.

Which has better risk-adjusted returns?

URINX currently has the higher Sharpe Ratio (2.05 vs 1.45), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.