ISNLX vs. IRSOX
ISNLX (Voya Solution 2040 Portfolio) and IRSOX (Voya Target Retirement 2040 Fund) are both Target Retirement Date funds from Voya. Over the past 10 years, ISNLX returned 11.21%/yr vs 11.60%/yr for IRSOX. With a 0.99 correlation, they move nearly in lockstep. ISNLX charges 0.17%/yr vs 0.23%/yr for IRSOX.
Performance
ISNLX vs. IRSOX - Performance Comparison
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Returns By Period
In the year-to-date period, ISNLX achieves a 8.84% return, which is significantly lower than IRSOX's 9.72% return. Both investments have delivered pretty close results over the past 10 years, with ISNLX having a 11.21% annualized return and IRSOX not far ahead at 11.60%.
ISNLX
- 1D
- 0.31%
- 1M
- -0.61%
- YTD
- 8.84%
- 6M
- 8.12%
- 1Y
- 19.21%
- 3Y*
- 16.74%
- 5Y*
- 8.12%
- 10Y*
- 11.21%
IRSOX
- 1D
- 0.36%
- 1M
- -0.53%
- YTD
- 9.72%
- 6M
- 8.93%
- 1Y
- 21.21%
- 3Y*
- 17.43%
- 5Y*
- 8.80%
- 10Y*
- 11.60%
ISNLX vs. IRSOX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ISNLX Voya Solution 2040 Portfolio | 8.84% | 18.31% | 13.52% | 19.56% | -18.86% | 16.36% | 16.59% | 23.35% | -8.94% | 20.85% |
IRSOX Voya Target Retirement 2040 Fund | 9.72% | 19.10% | 13.74% | 19.25% | -18.43% | 17.65% | 16.93% | 23.69% | -8.31% | 20.15% |
Correlation
The correlation between ISNLX and IRSOX is 1.00 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 1.00 |
Correlation (3Y) Calculated over the trailing 3-year period | 1.00 |
Correlation (5Y) Calculated over the trailing 5-year period | 1.00 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.99 |
Correlation (All Time) Calculated using the full available price history since Dec 24, 2012 | 0.99 |
The correlation between ISNLX and IRSOX has been stable across timeframes, ranging from 0.99 to 1.00 - a consistent structural relationship.
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Return for Risk
ISNLX vs. IRSOX — Risk / Return Rank
ISNLX
IRSOX
ISNLX vs. IRSOX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Voya Solution 2040 Portfolio (ISNLX) and Voya Target Retirement 2040 Fund (IRSOX). 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.
| ISNLX | IRSOX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.15 | ||
| Sortino ratioReturn per unit of downside risk | -0.21 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 1.39 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.66 | 2.89 | -0.24 |
| Martin ratioReturn relative to average drawdown | 12.30 | 13.34 | -1.03 |
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Drawdowns
ISNLX vs. IRSOX - Drawdown Comparison
The maximum ISNLX drawdown since its inception was -32.03%, roughly equal to the maximum IRSOX drawdown of -31.25%. Use the drawdown chart below to compare losses from any high point for ISNLX and IRSOX.
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Drawdown Indicators
| ISNLX | IRSOX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.03% | -31.25% | -0.78% |
Max Drawdown (1Y)Largest decline over 1 year | -8.31% | -8.38% | +0.07% |
Max Drawdown (3Y)Largest decline over 3 years | -13.66% | -13.84% | +0.18% |
Max Drawdown (5Y)Largest decline over 5 years | -25.97% | -25.24% | -0.73% |
Max Drawdown (10Y)Largest decline over 10 years | -32.03% | -31.25% | -0.78% |
Current DrawdownCurrent decline from peak | -1.79% | -1.74% | -0.05% |
Average DrawdownAverage peak-to-trough decline | -4.29% | -4.27% | -0.02% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.73% | 1.75% | -0.02% |
Volatility
ISNLX vs. IRSOX - Volatility Comparison
Voya Solution 2040 Portfolio (ISNLX) and Voya Target Retirement 2040 Fund (IRSOX) have volatilities of 4.36% and 4.47%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ISNLX | IRSOX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.36% | 4.47% | -0.11% |
Volatility (6M)Calculated over the trailing 6-month period | 9.12% | 9.33% | -0.21% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.19% | 11.44% | -0.25% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.92% | 13.98% | -0.06% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.92% | 14.78% | +0.14% |
ISNLX vs. IRSOX - Expense Ratio Comparison
ISNLX has a 0.17% expense ratio, which is lower than IRSOX's 0.23% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
ISNLX vs. IRSOX - Dividend Comparison
ISNLX's dividend yield for the trailing twelve months is around 4.97%, less than IRSOX's 12.49% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IRSOX Voya Target Retirement 2040 Fund | 12.49% | 13.71% | 2.25% | 2.13% | 6.01% | 17.52% | 3.71% | 4.14% | 5.84% | 5.86% | 1.98% | 0.41% |
ISNLX Voya Solution 2040 Portfolio | 4.97% | 5.41% | 1.55% | 6.03% | 29.46% | 2.62% | 6.52% | 8.29% | 9.93% | 2.27% | 1.34% | 7.70% |
Frequently Asked Questions
With a correlation of 1.00, ISNLX and IRSOX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
IRSOX has higher volatility (4.47%) compared to ISNLX (4.36%). In terms of maximum drawdown, ISNLX dropped -32.03% vs IRSOX's -31.25%.
IRSOX currently has the higher Sharpe Ratio (2.12 vs 1.97), 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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