PDIHX vs. URFFX
PDIHX (Prudential Day One 2045 Fund) and URFFX (USAA Target Retirement 2050 Fund) are both Target Retirement Date funds. Over the past 5 years, PDIHX returned 11.10%/yr vs 9.38%/yr for URFFX. Their 0.95 correlation means they have historically moved very closely together. PDIHX charges 0.08%/yr vs 0.58%/yr for URFFX.
Performance
PDIHX vs. URFFX - Performance Comparison
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Returns By Period
In the year-to-date period, PDIHX achieves a 10.68% return, which is significantly lower than URFFX's 13.05% return.
PDIHX
- 1D
- 1.62%
- 1M
- -0.07%
- 6M
- 7.46%
- YTD
- 10.68%
- 1Y
- 21.10%
- 3Y*
- 19.00%
- 5Y*
- 11.10%
- 10Y*
- —
- ALL TIME*
- 11.84%
URFFX
- 1D
- 1.41%
- 1M
- 0.64%
- 6M
- 9.62%
- YTD
- 13.05%
- 1Y
- 24.29%
- 3Y*
- 16.22%
- 5Y*
- 9.38%
- 10Y*
- 10.12%
- ALL TIME*
- 8.09%
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 |
PDIHX vs. URFFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PDIHX Prudential Day One 2045 Fund | 10.68% | 17.57% | 28.05% | 14.60% | -15.03% | 19.03% | 11.36% | 23.64% | -8.34% | 19.70% |
URFFX USAA Target Retirement 2050 Fund | 13.05% | 19.35% | 11.86% | 18.12% | -15.66% | 17.70% | 10.52% | 20.16% | -9.01% | 19.40% |
Correlation
The correlation between PDIHX and URFFX 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 (All Time) Calculated using the full available price history since Jan 3, 2017 | 0.95 |
The correlation between PDIHX and URFFX has been stable across timeframes, ranging from 0.95 to 0.99 - a consistent structural relationship.
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Return for Risk
PDIHX vs. URFFX — Risk / Return Rank
PDIHX
URFFX
PDIHX vs. URFFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Prudential Day One 2045 Fund (PDIHX) and USAA Target Retirement 2050 Fund (URFFX). 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.
| PDIHX | URFFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.19 | ||
| Sortino ratioReturn per unit of downside risk | -0.24 | ||
| Omega ratioGain probability vs. loss probability | 1.32 | 1.35 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.41 | 2.87 | -0.47 |
| Martin ratioReturn relative to average drawdown | 10.55 | 12.30 | -1.76 |
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Drawdowns
PDIHX vs. URFFX - Drawdown Comparison
The maximum PDIHX drawdown since its inception was -32.31%, smaller than the maximum URFFX drawdown of -44.25%. Use the drawdown chart below to compare losses from any high point for PDIHX and URFFX.
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Drawdown Indicators
| PDIHX | URFFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.31% | -44.25% | +11.94% |
Max Drawdown (1Y)Largest decline over 1 year | -8.08% | -7.89% | -0.19% |
Max Drawdown (3Y)Largest decline over 3 years | -13.53% | -14.14% | +0.61% |
Max Drawdown (5Y)Largest decline over 5 years | -31.03% | -23.76% | -7.27% |
Max Drawdown (10Y)Largest decline over 10 years | — | -29.97% | — |
Current DrawdownCurrent decline from peak | -0.89% | -0.17% | -0.72% |
Average DrawdownAverage peak-to-trough decline | -6.89% | -5.88% | -1.01% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.84% | 1.84% | 0.00% |
Volatility
PDIHX vs. URFFX - Volatility Comparison
Prudential Day One 2045 Fund (PDIHX) has a higher volatility of 3.19% compared to USAA Target Retirement 2050 Fund (URFFX) at 2.93%. This indicates that PDIHX's price experiences larger fluctuations and is considered to be riskier than URFFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PDIHX | URFFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.19% | 2.93% | +0.26% |
Volatility (6M)Calculated over the trailing 6-month period | 9.42% | 9.82% | -0.40% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.28% | 11.86% | -0.58% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.96% | 13.97% | +2.99% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.21% | 14.33% | +1.88% |
PDIHX vs. URFFX - Expense Ratio Comparison
PDIHX has a 0.08% expense ratio, which is lower than URFFX's 0.58% expense ratio.
Dividends
PDIHX vs. URFFX - Dividend Comparison
PDIHX's dividend yield for the trailing twelve months is around 3.72%, less than URFFX's 5.72% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PDIHX Prudential Day One 2045 Fund | 3.72% | 4.12% | 27.95% | 1.57% | 7.68% | 14.45% | 2.04% | 5.42% | 6.13% | 2.18% | 0.00% | 0.00% |
URFFX USAA Target Retirement 2050 Fund | 5.72% | 6.46% | 2.61% | 3.39% | 11.40% | 8.13% | 6.25% | 11.76% | 10.21% | 5.55% | 3.91% | 2.57% |
Frequently Asked Questions
With a correlation of 0.99, PDIHX and URFFX 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.
PDIHX has higher volatility (3.19%) compared to URFFX (2.93%). In terms of maximum drawdown, PDIHX dropped -32.31% vs URFFX's -44.25%.
URFFX currently has the higher Sharpe Ratio (1.91 vs 1.73), 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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