MSPIX vs. VTTSX

In the year-to-date period, MSPIX achieves a 0.95% return, which is significantly lower than VTTSX's 5.40% return. Over the past 10 years, MSPIX has outperformed VTTSX with an annualized return of 12.54%, while VTTSX has yielded a comparatively lower 8.34% annualized return.

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MSPIX has a 0.25% expense ratio, which is higher than VTTSX'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%.

This table presents a comparison of risk-adjusted performance metrics for MainStay S&P 500 Index Fund (MSPIX) and Vanguard Target Retirement 2060 Fund (VTTSX). 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.

The current MSPIX Sharpe Ratio is 0.72, which is comparable to the VTTSX Sharpe Ratio of 0.85. The chart below compares the historical Sharpe Ratios of MSPIX and VTTSX, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

MSPIX's dividend yield for the trailing twelve months is around 5.26%, more than VTTSX's 2.09% yield.

The maximum MSPIX drawdown since its inception was -55.30%, which is greater than VTTSX's maximum drawdown of -31.38%. Use the drawdown chart below to compare losses from any high point for MSPIX and VTTSX.

MainStay S&P 500 Index Fund (MSPIX) has a higher volatility of 4.77% compared to Vanguard Target Retirement 2060 Fund (VTTSX) at 3.36%. This indicates that MSPIX's price experiences larger fluctuations and is considered to be riskier than VTTSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.