ISJIX vs. URTRX

Last updated Aug 1, 2026

ISJIX (Voya Index Solution 2045 Portfolio) and URTRX (USAA Target Retirement 2030 Fund) are both Target Retirement Date funds. Over the past 10 years, ISJIX returned 11.15%/yr vs 7.71%/yr for URTRX. Their 0.96 correlation means they have historically moved very closely together. ISJIX charges 0.20%/yr vs 0.03%/yr for URTRX.

Performance

ISJIX vs. URTRX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Voya Index Solution 2045 Portfolio (ISJIX) and USAA Target Retirement 2030 Fund (URTRX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, ISJIX achieves a 10.11% return, which is significantly higher than URTRX's 8.39% return. Over the past 10 years, ISJIX has outperformed URTRX with an annualized return of 11.15%, while URTRX has yielded a comparatively lower 7.71% annualized return.

ISJIX

• 1D: 1.85%
• 1M: -0.23%
• 6M: 6.39%
• YTD: 10.11%
• 1Y: 21.12%
• 3Y*: 16.22%
• 5Y*: 9.32%
• 10Y*: 11.15%
• ALL TIME*: 8.41%

URTRX

• 1D: 0.84%
• 1M: 0.35%
• 6M: 6.07%
• YTD: 8.39%
• 1Y: 15.94%
• 3Y*: 11.77%
• 5Y*: 6.43%
• 10Y*: 7.71%
• ALL TIME*: 7.07%

*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)
ISJIX Voya Index Solution 2045 Portfolio	$0.00	$0.00	$0.00
URTRX USAA Target Retirement 2030 Fund	$0.00	$0.00	$0.00

ISJIX vs. URTRX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
ISJIX Voya Index Solution 2045 Portfolio	10.11%	20.10%	14.77%	19.80%	-18.06%	17.91%	15.81%	24.83%	-8.15%	20.49%
URTRX USAA Target Retirement 2030 Fund	8.39%	14.78%	8.09%	13.98%	-13.23%	12.23%	9.25%	17.13%	-6.98%	16.14%

Correlation

The correlation between ISJIX and URTRX is 0.89, 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.	0.89
Correlation (3Y) Balances recent behavior with more history.	0.94
Correlation (5Y) Shows whether the relationship held over a longer period.	0.95
Correlation (10Y) Provides a long-term view across more market conditions.	0.96
Correlation (All Time) Calculated using the full available price history since Jul 31, 2008	0.96

The correlation between ISJIX and URTRX has been stable across timeframes, ranging from 0.89 to 0.96 - a consistent structural relationship.

Return for Risk

ISJIX vs. URTRX — Risk / Return Rank

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

ISJIX

ISJIX Risk / Return Rank: 72
ISJIX Sharpe Ratio Rank: 69
ISJIX Sortino Ratio Rank: 70
ISJIX Omega Ratio Rank: 66
ISJIX Calmar Ratio Rank: 70
ISJIX Martin Ratio Rank: 83

URTRX

URTRX Risk / Return Rank: 84
URTRX Sharpe Ratio Rank: 83
URTRX Sortino Ratio Rank: 82
URTRX Omega Ratio Rank: 80
URTRX Calmar Ratio Rank: 85
URTRX 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.

ISJIX vs. URTRX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Voya Index Solution 2045 Portfolio (ISJIX) 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.

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.

	ISJIX	URTRX	Difference
Sharpe ratio: Return per unit of total volatility	1.68	1.96	-0.29
Sortino ratio: Return per unit of downside risk	2.45	2.82	-0.37
Omega ratio: Gain probability vs. loss probability	1.31	1.37	-0.06
Calmar ratio: Return relative to maximum drawdown	2.38	2.90	-0.51
Martin ratio: Return relative to average drawdown	10.71	12.19	-1.48

ISJIX vs. URTRX - Sharpe Ratio Comparison

The current ISJIX Sharpe Ratio is 1.68, which is comparable to the URTRX Sharpe Ratio of 1.96. The chart below compares the historical Sharpe Ratios of ISJIX and URTRX, 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

ISJIX vs. URTRX - Drawdown Comparison

The maximum ISJIX drawdown since its inception was -52.50%, which is greater than URTRX's maximum drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for ISJIX and URTRX.

Drawdown Indicators

	ISJIX	URTRX	Difference
Max Drawdown Largest peak-to-trough decline	-52.50%	-34.10%	-18.40%
Max Drawdown (1Y) Largest decline over 1 year	-8.85%	-5.29%	-3.56%
Max Drawdown (3Y) Largest decline over 3 years	-14.99%	-9.12%	-5.87%
Max Drawdown (5Y) Largest decline over 5 years	-25.54%	-19.52%	-6.02%
Max Drawdown (10Y) Largest decline over 10 years	-31.66%	-23.56%	-8.10%
Current Drawdown Current decline from peak	-1.23%	-0.28%	-0.95%
Average Drawdown Average peak-to-trough decline	-7.32%	-4.12%	-3.20%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.91%	1.25%	+0.66%

Volatility

ISJIX vs. URTRX - Volatility Comparison

Voya Index Solution 2045 Portfolio (ISJIX) has a higher volatility of 3.55% compared to USAA Target Retirement 2030 Fund (URTRX) at 2.00%. This indicates that ISJIX'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.

Volatility by Period

	ISJIX	URTRX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.55%	2.00%	+1.55%
Volatility (6M) Calculated over the trailing 6-month period	10.12%	6.61%	+3.51%
Volatility (1Y) Calculated over the trailing 1-year period	12.59%	7.81%	+4.78%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	14.85%	9.76%	+5.09%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	15.65%	10.31%	+5.34%

ISJIX vs. URTRX - Expense Ratio Comparison

ISJIX has a 0.20% 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%.

Dividends

ISJIX vs. URTRX - Dividend Comparison

ISJIX's dividend yield for the trailing twelve months is around 1.69%, less than URTRX's 6.25% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ISJIX Voya Index Solution 2045 Portfolio	1.69%	1.86%	0.43%	9.33%	15.84%	5.67%	4.95%	5.81%	4.56%	4.05%	11.08%	13.71%
URTRX USAA Target Retirement 2030 Fund	6.25%	6.78%	3.16%	4.24%	9.53%	7.66%	4.53%	11.43%	8.54%	8.10%	4.06%	2.80%

Frequently Asked Questions

Can I hold both ISJIX and URTRX in my portfolio?

ISJIX and URTRX have a correlation of 0.89, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, ISJIX or URTRX?

ISJIX has higher volatility (3.55%) compared to URTRX (2.00%). In terms of maximum drawdown, ISJIX dropped -52.50% vs URTRX's -34.10%.

Which has better risk-adjusted returns?

URTRX currently has the higher Sharpe Ratio (1.96 vs 1.68), 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.