DTDRX vs. URTRX
Compare and contrast key facts about Dimensional 2065 Target Date Retirement Income Fund (DTDRX) and USAA Target Retirement 2030 Fund (URTRX).
DTDRX is managed by Dimensional. It was launched on Jan 1, 2020. URTRX is managed by Victory. It was launched on Jul 30, 2008.
Performance
DTDRX vs. URTRX - Performance Comparison
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DTDRX vs. URTRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
DTDRX Dimensional 2065 Target Date Retirement Income Fund | -1.26% | 19.28% | 17.13% | 21.29% | -15.25% | 20.99% | 13.15% |
URTRX USAA Target Retirement 2030 Fund | 0.38% | 14.78% | 8.09% | 13.98% | -13.23% | 12.23% | 9.25% |
Returns By Period
In the year-to-date period, DTDRX achieves a -1.26% return, which is significantly lower than URTRX's 0.38% return.
DTDRX
- 1D
- 2.63%
- 1M
- -5.28%
- YTD
- -1.26%
- 6M
- 1.47%
- 1Y
- 19.48%
- 3Y*
- 16.27%
- 5Y*
- 9.77%
- 10Y*
- —
URTRX
- 1D
- 1.53%
- 1M
- -3.35%
- YTD
- 0.38%
- 6M
- 2.33%
- 1Y
- 13.74%
- 3Y*
- 10.83%
- 5Y*
- 5.75%
- 10Y*
- 7.49%
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DTDRX vs. URTRX - Expense Ratio Comparison
DTDRX has a 0.22% expense ratio, which is higher than URTRX's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
DTDRX vs. URTRX — Risk / Return Rank
DTDRX
URTRX
DTDRX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Dimensional 2065 Target Date Retirement Income Fund (DTDRX) and USAA Target Retirement 2030 Fund (URTRX). 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.
| DTDRX | URTRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.38 | 1.58 | -0.21 |
Sortino ratioReturn per unit of downside risk | 2.00 | 2.25 | -0.25 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.33 | -0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.06 | 2.11 | -1.05 |
Martin ratioReturn relative to average drawdown | 4.92 | 9.81 | -4.89 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| DTDRX | URTRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.38 | 1.58 | -0.21 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.67 | 0.60 | +0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.73 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.59 | 0.58 | +0.02 |
Correlation
The correlation between DTDRX and URTRX is 0.95, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
DTDRX vs. URTRX - Dividend Comparison
DTDRX's dividend yield for the trailing twelve months is around 1.56%, less than URTRX's 6.75% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
DTDRX Dimensional 2065 Target Date Retirement Income Fund | 1.56% | 1.31% | 2.07% | 1.94% | 2.01% | 1.53% | 2.55% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
URTRX USAA Target Retirement 2030 Fund | 6.75% | 6.78% | 3.16% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% |
Drawdowns
DTDRX vs. URTRX - Drawdown Comparison
The maximum DTDRX drawdown since its inception was -33.33%, roughly equal to the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for DTDRX and URTRX.
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Drawdown Indicators
| DTDRX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.33% | -34.10% | +0.77% |
Max Drawdown (1Y)Largest decline over 1 year | -11.25% | -6.63% | -4.62% |
Max Drawdown (5Y)Largest decline over 5 years | -23.47% | -19.52% | -3.95% |
Max Drawdown (10Y)Largest decline over 10 years | — | -23.56% | — |
Current DrawdownCurrent decline from peak | -6.16% | -3.84% | -2.32% |
Average DrawdownAverage peak-to-trough decline | -5.21% | -4.19% | -1.02% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.00% | 1.43% | +1.57% |
Volatility
DTDRX vs. URTRX - Volatility Comparison
Dimensional 2065 Target Date Retirement Income Fund (DTDRX) has a higher volatility of 5.31% compared to USAA Target Retirement 2030 Fund (URTRX) at 3.55%. This indicates that DTDRX's price experiences larger fluctuations and is considered to be riskier than URTRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| DTDRX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.31% | 3.55% | +1.76% |
Volatility (6M)Calculated over the trailing 6-month period | 8.55% | 5.46% | +3.09% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.05% | 8.89% | +7.16% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.85% | 9.67% | +5.18% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 19.33% | 10.33% | +9.00% |