SSBRX vs. STLFX

Last updated Aug 1, 2026

SSBRX (State Street Target Retirement 2025 Fund) and STLFX (BlackRock LifePath Dynamic 2050 Fund) are both Target Retirement Date funds. Over the past 10 years, SSBRX returned 7.55%/yr vs 10.70%/yr for STLFX. Their correlation of 0.91 means they have usually moved in the same direction. SSBRX charges 0.13%/yr vs 0.49%/yr for STLFX.

Performance

SSBRX vs. STLFX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in State Street Target Retirement 2025 Fund (SSBRX) and BlackRock LifePath Dynamic 2050 Fund (STLFX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, SSBRX achieves a 6.02% return, which is significantly lower than STLFX's 11.50% return. Over the past 10 years, SSBRX has underperformed STLFX with an annualized return of 7.55%, while STLFX has yielded a comparatively higher 10.70% annualized return.

SSBRX

• 1D: 0.68%
• 1M: -0.07%
• 6M: 4.04%
• YTD: 6.02%
• 1Y: 12.33%
• 3Y*: 10.40%
• 5Y*: 4.92%
• 10Y*: 7.55%
• ALL TIME*: 7.05%

STLFX

• 1D: 2.51%
• 1M: 0.30%
• 6M: 7.93%
• YTD: 11.50%
• 1Y: 23.05%
• 3Y*: 13.76%
• 5Y*: 7.89%
• 10Y*: 10.70%
• ALL TIME*: 8.08%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
SSBRX State Street Target Retirement 2025 Fund	$0.00	$0.00	$0.00
STLFX BlackRock LifePath Dynamic 2050 Fund	$0.00	$0.00	$0.00

SSBRX vs. STLFX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
SSBRX State Street Target Retirement 2025 Fund	6.02%	12.93%	8.73%	13.61%	-15.51%	10.03%	14.68%	20.73%	-5.47%	14.32%
STLFX BlackRock LifePath Dynamic 2050 Fund	11.50%	20.03%	5.73%	22.31%	-18.73%	18.12%	14.82%	26.48%	-8.22%	21.73%

Correlation

The correlation between SSBRX and STLFX is 0.91, 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.	0.91
Correlation (3Y) Balances recent behavior with more history.	0.89
Correlation (5Y) Shows whether the relationship held over a longer period.	0.91
Correlation (10Y) Provides a long-term view across more market conditions.	0.91
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014	0.91

The correlation between SSBRX and STLFX has been stable across timeframes, ranging from 0.89 to 0.91 - a consistent structural relationship.

Return for Risk

SSBRX vs. STLFX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

SSBRX

SSBRX Risk / Return Rank: 82
SSBRX Sharpe Ratio Rank: 82
SSBRX Sortino Ratio Rank: 81
SSBRX Omega Ratio Rank: 81
SSBRX Calmar Ratio Rank: 80
SSBRX Martin Ratio Rank: 88

STLFX

STLFX Risk / Return Rank: 60
STLFX Sharpe Ratio Rank: 55
STLFX Sortino Ratio Rank: 53
STLFX Omega Ratio Rank: 52
STLFX Calmar Ratio Rank: 66
STLFX Martin Ratio Rank: 74

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

SSBRX vs. STLFX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for State Street Target Retirement 2025 Fund (SSBRX) and BlackRock LifePath Dynamic 2050 Fund (STLFX). 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.

	SSBRX	STLFX	Difference
Sharpe ratio: Return per unit of total volatility	1.97	1.46	+0.51
Sortino ratio: Return per unit of downside risk	2.81	2.07	+0.73
Omega ratio: Gain probability vs. loss probability	1.37	1.26	+0.11
Calmar ratio: Return relative to maximum drawdown	2.63	2.26	+0.37
Martin ratio: Return relative to average drawdown	11.41	9.32	+2.09

SSBRX vs. STLFX - Sharpe Ratio Comparison

The current SSBRX Sharpe Ratio is 1.97, which is higher than the STLFX Sharpe Ratio of 1.46. The chart below compares the historical Sharpe Ratios of SSBRX and STLFX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

SSBRX vs. STLFX - Drawdown Comparison

The maximum SSBRX drawdown since its inception was -21.96%, smaller than the maximum STLFX drawdown of -50.35%. Use the drawdown chart below to compare losses from any high point for SSBRX and STLFX.

Drawdown Indicators

	SSBRX	STLFX	Difference
Max Drawdown Largest peak-to-trough decline	-21.96%	-50.35%	+28.39%
Max Drawdown (1Y) Largest decline over 1 year	-4.44%	-9.45%	+5.01%
Max Drawdown (3Y) Largest decline over 3 years	-7.36%	-23.35%	+15.99%
Max Drawdown (5Y) Largest decline over 5 years	-21.13%	-27.07%	+5.94%
Max Drawdown (10Y) Largest decline over 10 years	-21.96%	-34.48%	+12.52%
Current Drawdown Current decline from peak	-0.67%	-1.45%	+0.78%
Average Drawdown Average peak-to-trough decline	-3.68%	-6.73%	+3.05%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.02%	2.29%	-1.27%

Volatility

SSBRX vs. STLFX - Volatility Comparison

The current volatility for State Street Target Retirement 2025 Fund (SSBRX) is 1.49%, while BlackRock LifePath Dynamic 2050 Fund (STLFX) has a volatility of 4.27%. This indicates that SSBRX experiences smaller price fluctuations and is considered to be less risky than STLFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SSBRX	STLFX	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.49%	4.27%	-2.78%
Volatility (6M) Calculated over the trailing 6-month period	4.88%	12.25%	-7.37%
Volatility (1Y) Calculated over the trailing 1-year period	5.94%	14.68%	-8.74%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	8.86%	17.04%	-8.18%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	9.75%	16.41%	-6.66%

SSBRX vs. STLFX - Expense Ratio Comparison

SSBRX has a 0.13% expense ratio, which is lower than STLFX's 0.49% expense ratio.

Dividends

SSBRX vs. STLFX - Dividend Comparison

SSBRX's dividend yield for the trailing twelve months is around 5.72%, more than STLFX's 5.64% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SSBRX State Street Target Retirement 2025 Fund	5.72%	6.07%	6.67%	4.60%	6.60%	6.44%	4.74%	6.58%	5.35%	0.60%	1.84%	2.38%
STLFX BlackRock LifePath Dynamic 2050 Fund	5.64%	6.20%	1.86%	2.91%	2.51%	16.88%	2.27%	6.09%	15.73%	5.87%	2.00%	9.21%

Frequently Asked Questions

Can I hold both SSBRX and STLFX in my portfolio?

With a correlation of 0.91, SSBRX and STLFX 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.

Which is riskier, SSBRX or STLFX?

STLFX has higher volatility (4.27%) compared to SSBRX (1.49%). In terms of maximum drawdown, SSBRX dropped -21.96% vs STLFX's -50.35%.

Which has better risk-adjusted returns?

SSBRX currently has the higher Sharpe Ratio (1.97 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.