IRSQX vs. SSFNX
Compare and contrast key facts about Voya Target Retirement 2050 Fund (IRSQX) and State Street Target Retirement Fund (SSFNX).
IRSQX is managed by Voya. It was launched on Dec 19, 2012. SSFNX is managed by State Street. It was launched on Sep 29, 2014.
Performance
IRSQX vs. SSFNX - Performance Comparison
Loading graphics...
IRSQX vs. SSFNX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
IRSQX Voya Target Retirement 2050 Fund | -4.43% | 20.71% | 15.32% | 20.47% | -18.75% | 18.82% | 17.28% | 25.25% | -9.37% | 20.99% |
SSFNX State Street Target Retirement Fund | -0.35% | 10.93% | 7.05% | 10.73% | -12.21% | 6.87% | 10.26% | 13.97% | -2.49% | 8.92% |
Returns By Period
In the year-to-date period, IRSQX achieves a -4.43% return, which is significantly lower than SSFNX's -0.35% return. Over the past 10 years, IRSQX has outperformed SSFNX with an annualized return of 10.33%, while SSFNX has yielded a comparatively lower 5.41% annualized return.
IRSQX
- 1D
- -1.59%
- 1M
- -9.15%
- YTD
- -4.43%
- 6M
- -1.27%
- 1Y
- 16.77%
- 3Y*
- 14.52%
- 5Y*
- 8.07%
- 10Y*
- 10.33%
SSFNX
- 1D
- 0.18%
- 1M
- -3.35%
- YTD
- -0.35%
- 6M
- 1.07%
- 1Y
- 8.90%
- 3Y*
- 8.01%
- 5Y*
- 3.96%
- 10Y*
- 5.41%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
IRSQX vs. SSFNX - Expense Ratio Comparison
IRSQX has a 0.22% expense ratio, which is higher than SSFNX's 0.10% 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
IRSQX vs. SSFNX — Risk / Return Rank
IRSQX
SSFNX
IRSQX vs. SSFNX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Voya Target Retirement 2050 Fund (IRSQX) and State Street Target Retirement Fund (SSFNX). 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.
| IRSQX | SSFNX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.11 | 1.59 | -0.48 |
Sortino ratioReturn per unit of downside risk | 1.66 | 2.24 | -0.59 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.35 | -0.10 |
Calmar ratioReturn relative to maximum drawdown | 1.02 | 1.93 | -0.91 |
Martin ratioReturn relative to average drawdown | 5.02 | 9.29 | -4.28 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| IRSQX | SSFNX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.11 | 1.59 | -0.48 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.61 | -0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.65 | 0.83 | -0.18 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.66 | 0.77 | -0.11 |
Correlation
The correlation between IRSQX and SSFNX is 0.89, 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
IRSQX vs. SSFNX - Dividend Comparison
IRSQX's dividend yield for the trailing twelve months is around 16.68%, more than SSFNX's 4.88% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IRSQX Voya Target Retirement 2050 Fund | 16.68% | 15.94% | 1.93% | 1.89% | 6.50% | 20.41% | 2.18% | 4.80% | 7.33% | 6.29% | 1.94% | 0.44% |
SSFNX State Street Target Retirement Fund | 4.88% | 4.86% | 5.78% | 5.26% | 5.12% | 6.69% | 1.61% | 3.35% | 4.40% | 2.72% | 1.84% | 2.05% |
Drawdowns
IRSQX vs. SSFNX - Drawdown Comparison
The maximum IRSQX drawdown since its inception was -33.06%, which is greater than SSFNX's maximum drawdown of -16.62%. Use the drawdown chart below to compare losses from any high point for IRSQX and SSFNX.
Loading graphics...
Drawdown Indicators
| IRSQX | SSFNX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.06% | -16.62% | -16.44% |
Max Drawdown (1Y)Largest decline over 1 year | -11.52% | -4.51% | -7.01% |
Max Drawdown (5Y)Largest decline over 5 years | -26.14% | -16.62% | -9.52% |
Max Drawdown (10Y)Largest decline over 10 years | -33.06% | -16.62% | -16.44% |
Current DrawdownCurrent decline from peak | -9.42% | -3.35% | -6.07% |
Average DrawdownAverage peak-to-trough decline | -4.54% | -2.55% | -1.99% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.74% | 0.94% | +1.80% |
Volatility
IRSQX vs. SSFNX - Volatility Comparison
Voya Target Retirement 2050 Fund (IRSQX) has a higher volatility of 4.06% compared to State Street Target Retirement Fund (SSFNX) at 1.92%. This indicates that IRSQX's price experiences larger fluctuations and is considered to be riskier than SSFNX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| IRSQX | SSFNX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.06% | 1.92% | +2.14% |
Volatility (6M)Calculated over the trailing 6-month period | 8.73% | 3.23% | +5.50% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.67% | 5.71% | +10.96% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.18% | 6.56% | +8.62% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.07% | 6.55% | +9.52% |