PAKRX vs. URTRX
PAKRX (T. Rowe Price Target 2030 Fund) and URTRX (USAA Target Retirement 2030 Fund) are both Target Retirement Date funds. Over the past 10 years, PAKRX returned 7.37%/yr vs 7.71%/yr for URTRX. Their correlation of 0.95 means they have usually moved in the same direction. PAKRX charges 0.81%/yr vs 0.03%/yr for URTRX.
Performance
PAKRX vs. URTRX - Performance Comparison
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Returns By Period
In the year-to-date period, PAKRX achieves a 5.93% return, which is significantly lower than URTRX's 8.39% return. Both investments have delivered pretty close results over the past 10 years, with PAKRX having a 7.37% annualized return and URTRX not far ahead at 7.71%.
PAKRX
- 1D
- 0.96%
- 1M
- -0.25%
- 6M
- 3.22%
- YTD
- 5.93%
- 1Y
- 12.43%
- 3Y*
- 10.36%
- 5Y*
- 5.04%
- 10Y*
- 7.37%
- ALL TIME*
- 7.12%
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 |
PAKRX vs. URTRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PAKRX T. Rowe Price Target 2030 Fund | 5.93% | 12.52% | 9.22% | 13.85% | -15.44% | 11.09% | 13.88% | 19.12% | -5.51% | 14.63% |
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 PAKRX 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. | 0.91 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.93 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.94 |
Correlation (All Time) Calculated using the full available price history since Aug 22, 2013 | 0.95 |
The correlation between PAKRX and URTRX has been stable across timeframes, ranging from 0.91 to 0.95 - a consistent structural relationship.
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Return for Risk
PAKRX vs. URTRX — Risk / Return Rank
PAKRX
URTRX
PAKRX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Target 2030 Fund (PAKRX) 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.
| PAKRX | URTRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.35 | ||
| Sortino ratioReturn per unit of downside risk | -0.49 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.37 | -0.06 |
| Calmar ratioReturn relative to maximum drawdown | 2.14 | 2.90 | -0.75 |
| Martin ratioReturn relative to average drawdown | 9.05 | 12.19 | -3.14 |
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Drawdowns
PAKRX vs. URTRX - Drawdown Comparison
The maximum PAKRX drawdown since its inception was -24.66%, smaller than the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for PAKRX and URTRX.
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Drawdown Indicators
| PAKRX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -24.66% | -34.10% | +9.44% |
Max Drawdown (1Y)Largest decline over 1 year | -5.65% | -5.29% | -0.36% |
Max Drawdown (3Y)Largest decline over 3 years | -8.91% | -9.12% | +0.21% |
Max Drawdown (5Y)Largest decline over 5 years | -21.65% | -19.52% | -2.13% |
Max Drawdown (10Y)Largest decline over 10 years | -24.66% | -23.56% | -1.10% |
Current DrawdownCurrent decline from peak | -0.76% | -0.28% | -0.48% |
Average DrawdownAverage peak-to-trough decline | -3.66% | -4.12% | +0.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.32% | 1.25% | +0.07% |
Volatility
PAKRX vs. URTRX - Volatility Comparison
T. Rowe Price Target 2030 Fund (PAKRX) and USAA Target Retirement 2030 Fund (URTRX) have volatilities of 1.96% and 2.00%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PAKRX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.96% | 2.00% | -0.04% |
Volatility (6M)Calculated over the trailing 6-month period | 6.18% | 6.61% | -0.43% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.49% | 7.81% | -0.32% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.27% | 9.76% | -0.49% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.90% | 10.31% | -0.41% |
PAKRX vs. URTRX - Expense Ratio Comparison
PAKRX has a 0.81% expense ratio, which is higher than URTRX's 0.03% expense ratio.
Dividends
PAKRX vs. URTRX - Dividend Comparison
PAKRX's dividend yield for the trailing twelve months is around 6.76%, more than URTRX's 6.25% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PAKRX T. Rowe Price Target 2030 Fund | 6.76% | 7.16% | 4.31% | 3.54% | 6.16% | 3.54% | 2.99% | 3.62% | 5.26% | 1.90% | 1.79% | 1.76% |
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, PAKRX 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 PAKRX (1.96%). In terms of maximum drawdown, PAKRX dropped -24.66% vs URTRX's -34.10%.
URTRX currently has the higher Sharpe Ratio (1.96 vs 1.62), 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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