LIRIX vs. WFSPX
LIRIX (BlackRock LifePath Index Retirement Fund) and WFSPX (iShares S&P 500 Index Fund) are both mutual funds - LIRIX is a Target Retirement Date fund managed by BlackRock, while WFSPX is a S&P 500 fund tracking the S&P 500 Index. Over the past 10 years, LIRIX returned 5.96%/yr vs 15.54%/yr for WFSPX. Their correlation of 0.85 suggests significant overlap in exposure. LIRIX charges 0.11%/yr vs 0.03%/yr for WFSPX.
Performance
LIRIX vs. WFSPX - Performance Comparison
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Returns By Period
In the year-to-date period, LIRIX achieves a 5.84% return, which is significantly lower than WFSPX's 11.69% return. Over the past 10 years, LIRIX has underperformed WFSPX with an annualized return of 5.96%, while WFSPX has yielded a comparatively higher 15.54% annualized return.
LIRIX
- 1D
- 0.19%
- 1M
- 2.20%
- YTD
- 5.84%
- 6M
- 6.03%
- 1Y
- 14.64%
- 3Y*
- 10.12%
- 5Y*
- 4.21%
- 10Y*
- 5.96%
WFSPX
- 1D
- 0.13%
- 1M
- 5.80%
- YTD
- 11.69%
- 6M
- 11.72%
- 1Y
- 28.93%
- 3Y*
- 22.71%
- 5Y*
- 14.24%
- 10Y*
- 15.54%
LIRIX vs. WFSPX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LIRIX BlackRock LifePath Index Retirement Fund | 5.84% | 12.41% | 6.04% | 11.50% | -15.31% | 6.69% | 11.40% | 15.84% | -3.54% | 10.68% |
WFSPX iShares S&P 500 Index Fund | 11.69% | 17.83% | 24.94% | 26.25% | -18.14% | 28.63% | 18.43% | 31.45% | -4.83% | 21.27% |
Correlation
The correlation between LIRIX and WFSPX is 0.85, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.85 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.80 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.82 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.84 |
Correlation (All Time) Calculated using the full available price history since Jun 1, 2011 | 0.85 |
The correlation between LIRIX and WFSPX has been stable across timeframes, ranging from 0.80 to 0.85 - a consistent structural relationship.
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Return for Risk
LIRIX vs. WFSPX — Risk / Return Rank
LIRIX
WFSPX
LIRIX vs. WFSPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for BlackRock LifePath Index Retirement Fund (LIRIX) and iShares S&P 500 Index Fund (WFSPX). 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.
| LIRIX | WFSPX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.14 | ||
| Sortino ratioReturn per unit of downside risk | +0.45 | ||
| Omega ratioGain probability vs. loss probability | 1.52 | 1.46 | +0.07 |
| Calmar ratioReturn relative to maximum drawdown | 3.50 | 3.35 | +0.15 |
| Martin ratioReturn relative to average drawdown | 15.60 | 15.65 | -0.05 |
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
| LIRIX | WFSPX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.65 | 2.52 | +0.14 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.85 | -0.31 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.80 | 0.87 | -0.07 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.79 | 0.13 | +0.66 |
Drawdowns
LIRIX vs. WFSPX - Drawdown Comparison
The maximum LIRIX drawdown since its inception was -20.49%, smaller than the maximum WFSPX drawdown of -58.21%. Use the drawdown chart below to compare losses from any high point for LIRIX and WFSPX.
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Drawdown Indicators
| LIRIX | WFSPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -20.49% | -58.21% | +37.72% |
Max Drawdown (1Y)Largest decline over 1 year | -4.23% | -8.90% | +4.67% |
Max Drawdown (3Y)Largest decline over 3 years | -7.56% | -18.74% | +11.18% |
Max Drawdown (5Y)Largest decline over 5 years | -20.49% | -24.51% | +4.02% |
Max Drawdown (10Y)Largest decline over 10 years | -20.49% | -33.74% | +13.25% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -2.86% | -12.77% | +9.91% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.95% | 1.90% | -0.95% |
Volatility
LIRIX vs. WFSPX - Volatility Comparison
The current volatility for BlackRock LifePath Index Retirement Fund (LIRIX) is 2.02%, while iShares S&P 500 Index Fund (WFSPX) has a volatility of 2.82%. This indicates that LIRIX experiences smaller price fluctuations and is considered to be less risky than WFSPX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LIRIX | WFSPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.02% | 2.82% | -0.80% |
Volatility (6M)Calculated over the trailing 6-month period | 4.57% | 8.97% | -4.40% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.57% | 11.85% | -6.28% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.83% | 16.88% | -9.05% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.50% | 18.02% | -10.52% |
LIRIX vs. WFSPX - Expense Ratio Comparison
LIRIX has a 0.11% expense ratio, which is higher than WFSPX's 0.03% 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%.
Dividends
LIRIX vs. WFSPX - Dividend Comparison
LIRIX's dividend yield for the trailing twelve months is around 3.62%, more than WFSPX's 1.56% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LIRIX BlackRock LifePath Index Retirement Fund | 3.62% | 3.83% | 2.02% | 2.62% | 2.69% | 2.68% | 1.93% | 2.43% | 2.44% | 2.22% | 2.47% | 2.92% |
WFSPX iShares S&P 500 Index Fund | 1.56% | 1.72% | 1.41% | 1.50% | 2.02% | 1.82% | 1.66% | 1.99% | 2.00% | 1.62% | 2.37% | 2.49% |
Frequently Asked Questions
LIRIX and WFSPX have a correlation of 0.85, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
WFSPX has higher volatility (2.82%) compared to LIRIX (2.02%). In terms of maximum drawdown, LIRIX dropped -20.49% vs WFSPX's -58.21%.
LIRIX currently has the higher Sharpe Ratio (2.65 vs 2.52), 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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