MXLZX vs. URTRX
MXLZX (Great-West Lifetime 2015 Fund) and URTRX (USAA Target Retirement 2030 Fund) are both Target Retirement Date funds. Over the past 10 years, MXLZX returned 5.30%/yr vs 7.71%/yr for URTRX. Their correlation of 0.87 means they have usually moved in the same direction. MXLZX charges 0.53%/yr vs 0.03%/yr for URTRX.
Performance
MXLZX vs. URTRX - Performance Comparison
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Returns By Period
In the year-to-date period, MXLZX achieves a 4.58% return, which is significantly lower than URTRX's 8.39% return. Over the past 10 years, MXLZX has underperformed URTRX with an annualized return of 5.30%, while URTRX has yielded a comparatively higher 7.71% annualized return.
MXLZX
- 1D
- 0.63%
- 1M
- -0.21%
- 6M
- 3.16%
- YTD
- 4.58%
- 1Y
- 9.38%
- 3Y*
- 7.93%
- 5Y*
- 3.72%
- 10Y*
- 5.30%
- ALL TIME*
- 4.62%
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 |
MXLZX vs. URTRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
MXLZX Great-West Lifetime 2015 Fund | 4.58% | 9.92% | 6.22% | 10.36% | -12.33% | 8.53% | 10.83% | 15.41% | -7.03% | 11.09% |
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 MXLZX and URTRX is 0.94, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.94 |
Correlation (3Y) Balances recent behavior with more history. | 0.87 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.87 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.81 |
Correlation (All Time) Calculated using the full available price history since May 4, 2009 | 0.87 |
The correlation between MXLZX and URTRX shifts across timeframes, from 0.81 (10 years) to 0.94 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
MXLZX vs. URTRX — Risk / Return Rank
MXLZX
URTRX
MXLZX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Great-West Lifetime 2015 Fund (MXLZX) 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.
| MXLZX | URTRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.50 | ||
| Sortino ratioReturn per unit of downside risk | -0.70 | ||
| Omega ratioGain probability vs. loss probability | 1.27 | 1.37 | -0.09 |
| Calmar ratioReturn relative to maximum drawdown | 1.92 | 2.90 | -0.97 |
| Martin ratioReturn relative to average drawdown | 8.19 | 12.19 | -4.01 |
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Drawdowns
MXLZX vs. URTRX - Drawdown Comparison
The maximum MXLZX drawdown since its inception was -20.60%, smaller than the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for MXLZX and URTRX.
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Drawdown Indicators
| MXLZX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -20.60% | -34.10% | +13.50% |
Max Drawdown (1Y)Largest decline over 1 year | -4.60% | -5.29% | +0.69% |
Max Drawdown (3Y)Largest decline over 3 years | -6.49% | -9.12% | +2.63% |
Max Drawdown (5Y)Largest decline over 5 years | -20.60% | -19.52% | -1.08% |
Max Drawdown (10Y)Largest decline over 10 years | -20.60% | -23.56% | +2.96% |
Current DrawdownCurrent decline from peak | -0.55% | -0.28% | -0.27% |
Average DrawdownAverage peak-to-trough decline | -4.72% | -4.12% | -0.60% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.08% | 1.25% | -0.17% |
Volatility
MXLZX vs. URTRX - Volatility Comparison
The current volatility for Great-West Lifetime 2015 Fund (MXLZX) is 1.44%, while USAA Target Retirement 2030 Fund (URTRX) has a volatility of 2.00%. This indicates that MXLZX experiences smaller price fluctuations and is considered to be less risky 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
| MXLZX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.44% | 2.00% | -0.56% |
Volatility (6M)Calculated over the trailing 6-month period | 4.82% | 6.61% | -1.79% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.08% | 7.81% | -1.73% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.47% | 9.76% | -1.29% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.39% | 10.31% | -1.92% |
MXLZX vs. URTRX - Expense Ratio Comparison
MXLZX has a 0.53% expense ratio, which is higher than URTRX's 0.03% expense ratio.
Dividends
MXLZX vs. URTRX - Dividend Comparison
MXLZX's dividend yield for the trailing twelve months is around 3.28%, less than URTRX's 6.25% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MXLZX Great-West Lifetime 2015 Fund | 3.28% | 3.43% | 4.50% | 4.14% | 7.81% | 7.85% | 2.96% | 6.00% | 5.91% | 2.12% | 0.00% | 0.00% |
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 0.94, MXLZX 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.
URTRX has higher volatility (2.00%) compared to MXLZX (1.44%). In terms of maximum drawdown, MXLZX dropped -20.60% vs URTRX's -34.10%.
URTRX currently has the higher Sharpe Ratio (1.96 vs 1.46), 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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