ISRIX vs. VTIVX
Compare and contrast key facts about Voya Solution 2045 Portfolio (ISRIX) and Vanguard Target Retirement 2045 Fund (VTIVX).
ISRIX is managed by Voya. It was launched on Apr 28, 2005. VTIVX is managed by Vanguard. It was launched on Oct 27, 2003.
Performance
ISRIX vs. VTIVX - Performance Comparison
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ISRIX vs. VTIVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ISRIX Voya Solution 2045 Portfolio | -4.77% | 19.58% | 14.62% | 20.30% | -19.03% | 17.58% | 16.62% | 24.17% | -10.07% | 21.54% |
VTIVX Vanguard Target Retirement 2045 Fund | -3.63% | 20.01% | 13.68% | 19.72% | -17.38% | 16.16% | 16.31% | 24.94% | -7.89% | 19.16% |
Returns By Period
In the year-to-date period, ISRIX achieves a -4.77% return, which is significantly lower than VTIVX's -3.63% return. Both investments have delivered pretty close results over the past 10 years, with ISRIX having a 9.76% annualized return and VTIVX not far ahead at 10.04%.
ISRIX
- 1D
- -1.45%
- 1M
- -8.81%
- YTD
- -4.77%
- 6M
- -1.86%
- 1Y
- 14.52%
- 3Y*
- 13.67%
- 5Y*
- 7.23%
- 10Y*
- 9.76%
VTIVX
- 1D
- -0.24%
- 1M
- -7.90%
- YTD
- -3.63%
- 6M
- -0.85%
- 1Y
- 16.12%
- 3Y*
- 13.91%
- 5Y*
- 7.66%
- 10Y*
- 10.04%
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ISRIX vs. VTIVX - Expense Ratio Comparison
ISRIX has a 0.17% expense ratio, which is higher than VTIVX's 0.08% 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
ISRIX vs. VTIVX — Risk / Return Rank
ISRIX
VTIVX
ISRIX vs. VTIVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Voya Solution 2045 Portfolio (ISRIX) and Vanguard Target Retirement 2045 Fund (VTIVX). 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.
| ISRIX | VTIVX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.04 | 1.20 | -0.16 |
Sortino ratioReturn per unit of downside risk | 1.56 | 1.72 | -0.16 |
Omega ratioGain probability vs. loss probability | 1.23 | 1.25 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 0.93 | 1.50 | -0.57 |
Martin ratioReturn relative to average drawdown | 4.51 | 6.90 | -2.39 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| ISRIX | VTIVX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.04 | 1.20 | -0.16 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.50 | 0.57 | -0.07 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.62 | 0.68 | -0.06 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.42 | 0.51 | -0.09 |
Correlation
The correlation between ISRIX and VTIVX is 0.98, 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
ISRIX vs. VTIVX - Dividend Comparison
ISRIX's dividend yield for the trailing twelve months is around 6.14%, more than VTIVX's 2.59% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ISRIX Voya Solution 2045 Portfolio | 6.14% | 5.85% | 1.53% | 8.18% | 28.81% | 9.05% | 7.37% | 11.50% | 7.75% | 3.80% | 11.39% | 21.72% |
VTIVX Vanguard Target Retirement 2045 Fund | 2.59% | 2.50% | 2.36% | 2.27% | 2.75% | 15.40% | 1.90% | 2.23% | 2.52% | 0.04% | 2.47% | 3.29% |
Drawdowns
ISRIX vs. VTIVX - Drawdown Comparison
The maximum ISRIX drawdown since its inception was -56.73%, which is greater than VTIVX's maximum drawdown of -51.69%. Use the drawdown chart below to compare losses from any high point for ISRIX and VTIVX.
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Drawdown Indicators
| ISRIX | VTIVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -56.73% | -51.69% | -5.04% |
Max Drawdown (1Y)Largest decline over 1 year | -10.77% | -9.73% | -1.04% |
Max Drawdown (5Y)Largest decline over 5 years | -26.60% | -25.10% | -1.50% |
Max Drawdown (10Y)Largest decline over 10 years | -33.74% | -31.42% | -2.32% |
Current DrawdownCurrent decline from peak | -9.03% | -8.30% | -0.73% |
Average DrawdownAverage peak-to-trough decline | -8.54% | -6.37% | -2.17% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.62% | 2.12% | +0.50% |
Volatility
ISRIX vs. VTIVX - Volatility Comparison
The current volatility for Voya Solution 2045 Portfolio (ISRIX) is 3.80%, while Vanguard Target Retirement 2045 Fund (VTIVX) has a volatility of 4.36%. This indicates that ISRIX experiences smaller price fluctuations and is considered to be less risky than VTIVX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ISRIX | VTIVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.80% | 4.36% | -0.56% |
Volatility (6M)Calculated over the trailing 6-month period | 8.23% | 7.85% | +0.38% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.44% | 13.55% | +1.89% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.69% | 13.41% | +1.28% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.81% | 14.75% | +1.06% |