JIJSX vs. URFFX
JIJSX (JPMorgan SmartRetirement Blend Income Fund) and URFFX (USAA Target Retirement 2050 Fund) are both Target Retirement Date funds. Over the past 10 years, JIJSX returned 6.79%/yr vs 10.12%/yr for URFFX. Their correlation of 0.92 means they have usually moved in the same direction. JIJSX charges 0.27%/yr vs 0.58%/yr for URFFX.
Performance
JIJSX vs. URFFX - Performance Comparison
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Returns By Period
In the year-to-date period, JIJSX achieves a 4.92% return, which is significantly lower than URFFX's 13.05% return. Over the past 10 years, JIJSX has underperformed URFFX with an annualized return of 6.79%, while URFFX has yielded a comparatively higher 10.12% annualized return.
JIJSX
- 1D
- 0.82%
- 1M
- -0.62%
- 6M
- 3.31%
- YTD
- 4.92%
- 1Y
- 11.11%
- 3Y*
- 9.82%
- 5Y*
- 6.95%
- 10Y*
- 6.79%
- ALL TIME*
- 6.14%
URFFX
- 1D
- 1.41%
- 1M
- 0.64%
- 6M
- 9.62%
- YTD
- 13.05%
- 1Y
- 24.29%
- 3Y*
- 16.22%
- 5Y*
- 9.38%
- 10Y*
- 10.12%
- ALL TIME*
- 8.09%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
JIJSX vs. URFFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
JIJSX JPMorgan SmartRetirement Blend Income Fund | 4.92% | 12.88% | 4.76% | 15.15% | -13.91% | 19.04% | 9.40% | 13.80% | -4.08% | 10.43% |
URFFX USAA Target Retirement 2050 Fund | 13.05% | 19.35% | 11.86% | 18.12% | -15.66% | 17.70% | 10.52% | 20.16% | -9.01% | 19.40% |
Correlation
The correlation between JIJSX and URFFX is 0.95 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.95 |
Correlation (3Y) Balances recent behavior with more history. | 0.91 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.91 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.92 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2013 | 0.92 |
The correlation between JIJSX and URFFX has been stable across timeframes, ranging from 0.91 to 0.95 - a consistent structural relationship.
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Return for Risk
JIJSX vs. URFFX — Risk / Return Rank
JIJSX
URFFX
JIJSX vs. URFFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for JPMorgan SmartRetirement Blend Income Fund (JIJSX) and USAA Target Retirement 2050 Fund (URFFX). 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.
| JIJSX | URFFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.27 | ||
| Sortino ratioReturn per unit of downside risk | -0.32 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.35 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.18 | 2.87 | -0.69 |
| Martin ratioReturn relative to average drawdown | 9.25 | 12.30 | -3.05 |
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Drawdowns
JIJSX vs. URFFX - Drawdown Comparison
The maximum JIJSX drawdown since its inception was -18.13%, smaller than the maximum URFFX drawdown of -44.25%. Use the drawdown chart below to compare losses from any high point for JIJSX and URFFX.
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Drawdown Indicators
| JIJSX | URFFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.13% | -44.25% | +26.12% |
Max Drawdown (1Y)Largest decline over 1 year | -4.96% | -7.89% | +2.93% |
Max Drawdown (3Y)Largest decline over 3 years | -6.58% | -14.14% | +7.56% |
Max Drawdown (5Y)Largest decline over 5 years | -18.13% | -23.76% | +5.63% |
Max Drawdown (10Y)Largest decline over 10 years | -18.13% | -29.97% | +11.84% |
Current DrawdownCurrent decline from peak | -1.04% | -0.17% | -0.87% |
Average DrawdownAverage peak-to-trough decline | -2.68% | -5.88% | +3.20% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.17% | 1.84% | -0.67% |
Volatility
JIJSX vs. URFFX - Volatility Comparison
The current volatility for JPMorgan SmartRetirement Blend Income Fund (JIJSX) is 1.88%, while USAA Target Retirement 2050 Fund (URFFX) has a volatility of 2.93%. This indicates that JIJSX experiences smaller price fluctuations and is considered to be less risky than URFFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| JIJSX | URFFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.88% | 2.93% | -1.05% |
Volatility (6M)Calculated over the trailing 6-month period | 5.58% | 9.82% | -4.24% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.59% | 11.86% | -5.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.61% | 13.97% | -4.36% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.20% | 14.33% | -6.13% |
JIJSX vs. URFFX - Expense Ratio Comparison
JIJSX has a 0.27% expense ratio, which is lower than URFFX's 0.58% expense ratio.
Dividends
JIJSX vs. URFFX - Dividend Comparison
JIJSX's dividend yield for the trailing twelve months is around 2.99%, less than URFFX's 5.72% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
JIJSX JPMorgan SmartRetirement Blend Income Fund | 2.99% | 3.14% | 3.15% | 2.91% | 2.49% | 15.84% | 4.15% | 2.66% | 5.63% | 1.99% | 2.20% | 2.07% |
URFFX USAA Target Retirement 2050 Fund | 5.72% | 6.46% | 2.61% | 3.39% | 11.40% | 8.13% | 6.25% | 11.76% | 10.21% | 5.55% | 3.91% | 2.57% |
Frequently Asked Questions
With a correlation of 0.95, JIJSX and URFFX 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.
URFFX has higher volatility (2.93%) compared to JIJSX (1.88%). In terms of maximum drawdown, JIJSX dropped -18.13% vs URFFX's -44.25%.
URFFX currently has the higher Sharpe Ratio (1.91 vs 1.64), 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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