IRSOX vs. VBINX

In the year-to-date period, IRSOX achieves a 4.35% return, which is significantly higher than VBINX's 1.58% return. Over the past 10 years, IRSOX has underperformed VBINX with an annualized return of 4.96%, while VBINX has yielded a comparatively higher 7.92% annualized return.

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IRSOX has a 0.23% expense ratio, which is higher than VBINX's 0.18% 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%.

This table presents a comparison of risk-adjusted performance metrics for Voya Target Retirement 2040 Fund (IRSOX) and Vanguard Balanced Index Fund (VBINX). 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.

The current IRSOX Sharpe Ratio is 0.79, which is comparable to the VBINX Sharpe Ratio of 0.90. The chart below compares the historical Sharpe Ratios of IRSOX and VBINX, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

IRSOX's dividend yield for the trailing twelve months is around 2.15%, less than VBINX's 6.18% yield.

The maximum IRSOX drawdown since its inception was -34.84%, roughly equal to the maximum VBINX drawdown of -35.99%. Use the drawdown chart below to compare losses from any high point for IRSOX and VBINX.

Voya Target Retirement 2040 Fund (IRSOX) has a higher volatility of 3.32% compared to Vanguard Balanced Index Fund (VBINX) at 3.06%. This indicates that IRSOX's price experiences larger fluctuations and is considered to be riskier than VBINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.