JRBEX vs. URTRX
JRBEX (JPMorgan SmartRetirement Blend 2030 Fund) and URTRX (USAA Target Retirement 2030 Fund) are both Target Retirement Date funds. Over the past 10 years, JRBEX returned 8.04%/yr vs 7.71%/yr for URTRX. Their 0.97 correlation means they have historically moved very closely together. JRBEX charges 0.32%/yr vs 0.03%/yr for URTRX.
Performance
JRBEX vs. URTRX - Performance Comparison
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Returns By Period
In the year-to-date period, JRBEX achieves a 6.60% return, which is significantly lower than URTRX's 8.39% return. Both investments have delivered pretty close results over the past 10 years, with JRBEX having a 8.04% annualized return and URTRX not far behind at 7.71%.
JRBEX
- 1D
- 1.11%
- 1M
- -0.58%
- 6M
- 4.48%
- YTD
- 6.60%
- 1Y
- 14.45%
- 3Y*
- 11.87%
- 5Y*
- 6.12%
- 10Y*
- 8.04%
- ALL TIME*
- 7.94%
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%
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 |
JRBEX vs. URTRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
JRBEX JPMorgan SmartRetirement Blend 2030 Fund | 6.60% | 15.33% | 7.14% | 18.28% | -16.36% | 11.63% | 11.91% | 20.65% | -6.86% | 17.22% |
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 JRBEX and URTRX is 0.99 - 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. | 0.99 |
Correlation (3Y) Balances recent behavior with more history. | 0.96 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.97 |
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 JRBEX and URTRX has been stable across timeframes, ranging from 0.96 to 0.99 - a consistent structural relationship.
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Return for Risk
JRBEX vs. URTRX — Risk / Return Rank
JRBEX
URTRX
JRBEX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for JPMorgan SmartRetirement Blend 2030 Fund (JRBEX) 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.
| JRBEX | URTRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.34 | ||
| Sortino ratioReturn per unit of downside risk | -0.48 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.37 | -0.07 |
| Calmar ratioReturn relative to maximum drawdown | 2.23 | 2.90 | -0.67 |
| Martin ratioReturn relative to average drawdown | 9.43 | 12.19 | -2.76 |
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Drawdowns
JRBEX vs. URTRX - Drawdown Comparison
The maximum JRBEX drawdown since its inception was -25.15%, smaller than the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for JRBEX and URTRX.
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Drawdown Indicators
| JRBEX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -25.15% | -34.10% | +8.95% |
Max Drawdown (1Y)Largest decline over 1 year | -6.15% | -5.29% | -0.86% |
Max Drawdown (3Y)Largest decline over 3 years | -9.58% | -9.12% | -0.46% |
Max Drawdown (5Y)Largest decline over 5 years | -22.21% | -19.52% | -2.69% |
Max Drawdown (10Y)Largest decline over 10 years | -25.15% | -23.56% | -1.59% |
Current DrawdownCurrent decline from peak | -1.12% | -0.28% | -0.84% |
Average DrawdownAverage peak-to-trough decline | -3.62% | -4.12% | +0.50% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.45% | 1.25% | +0.20% |
Volatility
JRBEX vs. URTRX - Volatility Comparison
JPMorgan SmartRetirement Blend 2030 Fund (JRBEX) has a higher volatility of 2.35% compared to USAA Target Retirement 2030 Fund (URTRX) at 2.00%. This indicates that JRBEX'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.
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Volatility by Period
| JRBEX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.35% | 2.00% | +0.35% |
Volatility (6M)Calculated over the trailing 6-month period | 7.04% | 6.61% | +0.43% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.42% | 7.81% | +0.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.48% | 9.76% | +0.72% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.05% | 10.31% | +0.74% |
JRBEX vs. URTRX - Expense Ratio Comparison
JRBEX has a 0.32% expense ratio, which is higher than URTRX's 0.03% expense ratio.
Dividends
JRBEX vs. URTRX - Dividend Comparison
JRBEX's dividend yield for the trailing twelve months is around 2.87%, less than URTRX's 6.25% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
JRBEX JPMorgan SmartRetirement Blend 2030 Fund | 2.87% | 3.06% | 2.86% | 2.47% | 1.94% | 5.57% | 2.51% | 3.19% | 6.01% | 1.99% | 2.09% | 2.09% |
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
With a correlation of 0.99, JRBEX 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.
JRBEX has higher volatility (2.35%) compared to URTRX (2.00%). In terms of maximum drawdown, JRBEX dropped -25.15% vs URTRX's -34.10%.
URTRX currently has the higher Sharpe Ratio (1.96 vs 1.63), 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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