JPTBX vs. URTRX

Last updated Aug 1, 2026

JPTBX (JPMorgan SmartRetirement Blend 2055 Fund) and URTRX (USAA Target Retirement 2030 Fund) are both Target Retirement Date funds. Over the past 10 years, JPTBX returned 10.71%/yr vs 7.71%/yr for URTRX. Their 0.97 correlation means they have historically moved very closely together. JPTBX charges 0.33%/yr vs 0.03%/yr for URTRX.

Performance

JPTBX vs. URTRX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in JPMorgan SmartRetirement Blend 2055 Fund (JPTBX) 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, JPTBX achieves a 11.03% return, which is significantly higher than URTRX's 8.39% return. Over the past 10 years, JPTBX has outperformed URTRX with an annualized return of 10.71%, while URTRX has yielded a comparatively lower 7.71% annualized return.

JPTBX

• 1D: 1.85%
• 1M: -0.37%
• 6M: 7.69%
• YTD: 11.03%
• 1Y: 22.56%
• 3Y*: 16.28%
• 5Y*: 9.40%
• 10Y*: 10.71%
• ALL TIME*: 10.07%

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)
JPTBX JPMorgan SmartRetirement Blend 2055 Fund	$0.00	$0.00	$0.00
URTRX USAA Target Retirement 2030 Fund	$0.00	$0.00	$0.00

JPTBX vs. URTRX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
JPTBX JPMorgan SmartRetirement Blend 2055 Fund	11.03%	20.02%	11.95%	22.09%	-17.76%	17.54%	12.93%	24.57%	-8.62%	20.15%
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 JPTBX and URTRX is 0.98 - 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.	0.98
Correlation (3Y) Balances recent behavior with more history.	0.96
Correlation (5Y) Shows whether the relationship held over a longer period.	0.96
Correlation (10Y) Provides a long-term view across more market conditions.	0.97
Correlation (All Time) Calculated using the full available price history since Jan 2, 2013	0.97

The correlation between JPTBX and URTRX has been stable across timeframes, ranging from 0.96 to 0.98 - a consistent structural relationship.

Return for Risk

JPTBX vs. URTRX — Risk / Return Rank

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

JPTBX

JPTBX Risk / Return Rank: 67
JPTBX Sharpe Ratio Rank: 65
JPTBX Sortino Ratio Rank: 63
JPTBX Omega Ratio Rank: 62
JPTBX Calmar Ratio Rank: 67
JPTBX Martin Ratio Rank: 79

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.

JPTBX vs. URTRX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for JPMorgan SmartRetirement Blend 2055 Fund (JPTBX) 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.

	JPTBX	URTRX	Difference
Sharpe ratio: Return per unit of total volatility	1.61	1.96	-0.35
Sortino ratio: Return per unit of downside risk	2.28	2.82	-0.54
Omega ratio: Gain probability vs. loss probability	1.29	1.37	-0.07
Calmar ratio: Return relative to maximum drawdown	2.30	2.90	-0.60
Martin ratio: Return relative to average drawdown	9.86	12.19	-2.33

JPTBX vs. URTRX - Sharpe Ratio Comparison

The current JPTBX Sharpe Ratio is 1.61, which is comparable to the URTRX Sharpe Ratio of 1.96. The chart below compares the historical Sharpe Ratios of JPTBX 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

JPTBX vs. URTRX - Drawdown Comparison

The maximum JPTBX drawdown since its inception was -32.64%, roughly equal to the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for JPTBX and URTRX.

Drawdown Indicators

	JPTBX	URTRX	Difference
Max Drawdown Largest peak-to-trough decline	-32.64%	-34.10%	+1.46%
Max Drawdown (1Y) Largest decline over 1 year	-9.00%	-5.29%	-3.71%
Max Drawdown (3Y) Largest decline over 3 years	-15.41%	-9.12%	-6.29%
Max Drawdown (5Y) Largest decline over 5 years	-25.39%	-19.52%	-5.87%
Max Drawdown (10Y) Largest decline over 10 years	-32.64%	-23.56%	-9.08%
Current Drawdown Current decline from peak	-1.27%	-0.28%	-0.99%
Average Drawdown Average peak-to-trough decline	-4.23%	-4.12%	-0.11%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.09%	1.25%	+0.84%

Volatility

JPTBX vs. URTRX - Volatility Comparison

JPMorgan SmartRetirement Blend 2055 Fund (JPTBX) has a higher volatility of 3.62% compared to USAA Target Retirement 2030 Fund (URTRX) at 2.00%. This indicates that JPTBX'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

	JPTBX	URTRX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.62%	2.00%	+1.62%
Volatility (6M) Calculated over the trailing 6-month period	10.66%	6.61%	+4.05%
Volatility (1Y) Calculated over the trailing 1-year period	12.81%	7.81%	+5.00%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	14.94%	9.76%	+5.18%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	15.56%	10.31%	+5.25%

JPTBX vs. URTRX - Expense Ratio Comparison

JPTBX has a 0.33% expense ratio, which is higher than URTRX's 0.03% expense ratio.

Dividends

JPTBX vs. URTRX - Dividend Comparison

JPTBX's dividend yield for the trailing twelve months is around 2.00%, less than URTRX's 6.25% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
JPTBX JPMorgan SmartRetirement Blend 2055 Fund	2.00%	2.22%	1.95%	1.83%	1.61%	5.17%	1.14%	2.30%	4.95%	1.90%	2.03%	1.99%
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 JPTBX and URTRX in my portfolio?

With a correlation of 0.98, JPTBX and URTRX 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.

Which is riskier, JPTBX or URTRX?

JPTBX has higher volatility (3.62%) compared to URTRX (2.00%). In terms of maximum drawdown, JPTBX dropped -32.64% vs URTRX's -34.10%.

Which has better risk-adjusted returns?

URTRX currently has the higher Sharpe Ratio (1.96 vs 1.61), 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.