IRSOX vs. URFFX
IRSOX (Voya Target Retirement 2040 Fund) and URFFX (USAA Target Retirement 2050 Fund) are both Target Retirement Date funds. Over the past 10 years, IRSOX returned 10.71%/yr vs 10.12%/yr for URFFX. Their 0.96 correlation means they have historically moved very closely together. IRSOX charges 0.23%/yr vs 0.58%/yr for URFFX.
Performance
IRSOX vs. URFFX - Performance Comparison
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Returns By Period
In the year-to-date period, IRSOX achieves a 9.53% return, which is significantly lower than URFFX's 13.05% return. Over the past 10 years, IRSOX has outperformed URFFX with an annualized return of 10.71%, while URFFX has yielded a comparatively lower 10.12% annualized return.
IRSOX
- 1D
- 1.68%
- 1M
- -0.65%
- 6M
- 5.89%
- YTD
- 9.53%
- 1Y
- 20.16%
- 3Y*
- 15.44%
- 5Y*
- 8.62%
- 10Y*
- 10.71%
- ALL TIME*
- 10.21%
URFFX
- 1D
- 1.41%
- 1M
- 0.64%
- 6M
- 9.62%
- YTD
- 13.05%
- 1Y
- 24.29%
- 3Y*
- 16.22%
- 5Y*
- 9.38%
- 10Y*
- 10.12%
- ALL TIME*
- 8.09%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
IRSOX vs. URFFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
IRSOX Voya Target Retirement 2040 Fund | 9.53% | 19.10% | 13.74% | 19.25% | -18.43% | 17.65% | 16.93% | 23.69% | -8.31% | 20.15% |
URFFX USAA Target Retirement 2050 Fund | 13.05% | 19.35% | 11.86% | 18.12% | -15.66% | 17.70% | 10.52% | 20.16% | -9.01% | 19.40% |
Correlation
The correlation between IRSOX and URFFX is 0.90, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.90 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.96 |
Correlation (All Time) Calculated using the full available price history since Dec 24, 2012 | 0.97 |
The correlation between IRSOX and URFFX has been stable across timeframes, ranging from 0.90 to 0.96 - a consistent structural relationship.
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Return for Risk
IRSOX vs. URFFX — Risk / Return Rank
IRSOX
URFFX
IRSOX vs. URFFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Voya Target Retirement 2040 Fund (IRSOX) and USAA Target Retirement 2050 Fund (URFFX). 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.
| IRSOX | URFFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.19 | ||
| Sortino ratioReturn per unit of downside risk | -0.18 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.35 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.43 | 2.87 | -0.44 |
| Martin ratioReturn relative to average drawdown | 10.76 | 12.30 | -1.54 |
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Drawdowns
IRSOX vs. URFFX - Drawdown Comparison
The maximum IRSOX drawdown since its inception was -31.25%, smaller than the maximum URFFX drawdown of -44.25%. Use the drawdown chart below to compare losses from any high point for IRSOX and URFFX.
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Drawdown Indicators
| IRSOX | URFFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.25% | -44.25% | +13.00% |
Max Drawdown (1Y)Largest decline over 1 year | -8.38% | -7.89% | -0.49% |
Max Drawdown (3Y)Largest decline over 3 years | -13.84% | -14.14% | +0.30% |
Max Drawdown (5Y)Largest decline over 5 years | -25.24% | -23.76% | -1.48% |
Max Drawdown (10Y)Largest decline over 10 years | -31.25% | -29.97% | -1.28% |
Current DrawdownCurrent decline from peak | -1.92% | -0.17% | -1.75% |
Average DrawdownAverage peak-to-trough decline | -4.25% | -5.88% | +1.63% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.83% | 1.84% | -0.01% |
Volatility
IRSOX vs. URFFX - Volatility Comparison
Voya Target Retirement 2040 Fund (IRSOX) has a higher volatility of 3.44% compared to USAA Target Retirement 2050 Fund (URFFX) at 2.93%. This indicates that IRSOX's price experiences larger fluctuations and is considered to be riskier than URFFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| IRSOX | URFFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.44% | 2.93% | +0.51% |
Volatility (6M)Calculated over the trailing 6-month period | 9.61% | 9.82% | -0.21% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.83% | 11.86% | -0.03% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.00% | 13.97% | +0.03% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.77% | 14.33% | +0.44% |
IRSOX vs. URFFX - Expense Ratio Comparison
IRSOX has a 0.23% expense ratio, which is lower than URFFX's 0.58% expense ratio.
Dividends
IRSOX vs. URFFX - Dividend Comparison
IRSOX's dividend yield for the trailing twelve months is around 12.51%, more than URFFX's 5.72% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IRSOX Voya Target Retirement 2040 Fund | 12.51% | 13.71% | 2.25% | 2.13% | 6.01% | 17.52% | 3.71% | 4.14% | 5.84% | 5.86% | 1.98% | 0.41% |
URFFX USAA Target Retirement 2050 Fund | 5.72% | 6.46% | 2.61% | 3.39% | 11.40% | 8.13% | 6.25% | 11.76% | 10.21% | 5.55% | 3.91% | 2.57% |
Frequently Asked Questions
IRSOX and URFFX have a correlation of 0.90, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
IRSOX has higher volatility (3.44%) compared to URFFX (2.93%). In terms of maximum drawdown, IRSOX dropped -31.25% vs URFFX's -44.25%.
URFFX currently has the higher Sharpe Ratio (1.91 vs 1.72), 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.
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