SSBRX vs. VTTVX

Last updated Jun 23, 2026

SSBRX (State Street Target Retirement 2025 Fund) and VTTVX (Vanguard Target Retirement 2025 Fund) are both mutual funds - SSBRX is a Target Retirement Date fund managed by State Street, while VTTVX is a Diversified Portfolio fund managed by Vanguard. Over the past 10 years, SSBRX returned 7.93%/yr vs 8.01%/yr for VTTVX. With a 0.97 correlation, they move nearly in lockstep. SSBRX charges 0.13%/yr vs 0.08%/yr for VTTVX.

Performance

SSBRX vs. VTTVX - Performance Comparison

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

Returns By Period

The year-to-date returns for both investments are quite close, with SSBRX having a 6.26% return and VTTVX slightly higher at 6.57%. Both investments have delivered pretty close results over the past 10 years, with SSBRX having a 7.93% annualized return and VTTVX not far ahead at 8.01%.

SSBRX

• 1D: 0.45%
• 1M: 0.52%
• YTD: 6.26%
• 6M: 6.19%
• 1Y: 14.67%
• 3Y*: 11.18%
• 5Y*: 5.47%
• 10Y*: 7.93%

VTTVX

• 1D: 0.66%
• 1M: 1.24%
• YTD: 6.57%
• 6M: 6.58%
• 1Y: 16.48%
• 3Y*: 12.16%
• 5Y*: 6.14%
• 10Y*: 8.01%

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

SSBRX vs. VTTVX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
SSBRX State Street Target Retirement 2025 Fund	6.26%	12.93%	8.73%	13.61%	-15.51%	10.03%	14.68%	20.73%	-5.47%	14.32%
VTTVX Vanguard Target Retirement 2025 Fund	6.57%	14.63%	9.23%	14.76%	-15.57%	9.78%	13.31%	19.63%	-5.14%	13.68%

Correlation

The correlation between SSBRX and VTTVX is 0.95, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.95
Correlation (3Y) Calculated over the trailing 3-year period	0.96
Correlation (5Y) Calculated over the trailing 5-year period	0.98
Correlation (10Y) Calculated over the trailing 10-year period	0.97
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014	0.97

The correlation between SSBRX and VTTVX has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.

Return for Risk

SSBRX vs. VTTVX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SSBRX

SSBRX Risk / Return Rank: 82
SSBRX Sharpe Ratio Rank: 84
SSBRX Sortino Ratio Rank: 82
SSBRX Omega Ratio Rank: 82
SSBRX Calmar Ratio Rank: 77
SSBRX Martin Ratio Rank: 85

VTTVX

VTTVX Risk / Return Rank: 69
VTTVX Sharpe Ratio Rank: 70
VTTVX Sortino Ratio Rank: 72
VTTVX Omega Ratio Rank: 72
VTTVX Calmar Ratio Rank: 63
VTTVX Martin Ratio Rank: 70

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SSBRX vs. VTTVX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for State Street Target Retirement 2025 Fund (SSBRX) and Vanguard Target Retirement 2025 Fund (VTTVX). 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	VTTVX	Difference
Sharpe ratio: Return per unit of total volatility	2.51	2.25	+0.26
Sortino ratio: Return per unit of downside risk	3.57	3.20	+0.37
Omega ratio: Gain probability vs. loss probability	1.49	1.43	+0.07
Calmar ratio: Return relative to maximum drawdown	3.30	2.93	+0.37
Martin ratio: Return relative to average drawdown	14.67	12.55	+2.13

SSBRX vs. VTTVX - Sharpe Ratio Comparison

The current SSBRX Sharpe Ratio is 2.51, which is comparable to the VTTVX Sharpe Ratio of 2.25. The chart below compares the historical Sharpe Ratios of SSBRX and VTTVX, 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. VTTVX - Drawdown Comparison

The maximum SSBRX drawdown since its inception was -21.96%, smaller than the maximum VTTVX drawdown of -46.03%. Use the drawdown chart below to compare losses from any high point for SSBRX and VTTVX.

Drawdown Indicators

	SSBRX	VTTVX	Difference
Max Drawdown Largest peak-to-trough decline	-21.96%	-46.03%	+24.07%
Max Drawdown (1Y) Largest decline over 1 year	-4.44%	-5.57%	+1.13%
Max Drawdown (3Y) Largest decline over 3 years	-7.48%	-7.84%	+0.36%
Max Drawdown (5Y) Largest decline over 5 years	-21.13%	-21.52%	+0.39%
Max Drawdown (10Y) Largest decline over 10 years	-21.96%	-22.51%	+0.55%
Current Drawdown Current decline from peak	-0.45%	-0.23%	-0.22%
Average Drawdown Average peak-to-trough decline	-3.71%	-5.04%	+1.33%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.00%	1.30%	-0.30%

Volatility

SSBRX vs. VTTVX - Volatility Comparison

The current volatility for State Street Target Retirement 2025 Fund (SSBRX) is 2.38%, while Vanguard Target Retirement 2025 Fund (VTTVX) has a volatility of 2.96%. This indicates that SSBRX experiences smaller price fluctuations and is considered to be less risky than VTTVX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SSBRX	VTTVX	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.38%	2.96%	-0.58%
Volatility (6M) Calculated over the trailing 6-month period	4.80%	6.08%	-1.28%
Volatility (1Y) Calculated over the trailing 1-year period	5.83%	7.26%	-1.43%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	8.87%	9.15%	-0.28%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	9.83%	9.96%	-0.13%

SSBRX vs. VTTVX - Expense Ratio Comparison

SSBRX has a 0.13% expense ratio, which is higher than VTTVX'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%.

Dividends

SSBRX vs. VTTVX - Dividend Comparison

SSBRX's dividend yield for the trailing twelve months is around 5.71%, less than VTTVX's 6.93% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SSBRX State Street Target Retirement 2025 Fund	5.71%	6.07%	6.67%	4.60%	6.60%	6.44%	4.74%	6.58%	5.35%	0.60%	1.84%	2.38%
VTTVX Vanguard Target Retirement 2025 Fund	6.93%	7.38%	7.63%	3.96%	2.96%	16.28%	4.35%	2.57%	3.14%	0.47%	2.68%	4.98%

Frequently Asked Questions

Can I hold both SSBRX and VTTVX in my portfolio?

With a correlation of 0.95, SSBRX and VTTVX 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 VTTVX?

VTTVX has higher volatility (2.96%) compared to SSBRX (2.38%). In terms of maximum drawdown, SSBRX dropped -21.96% vs VTTVX's -46.03%.

Which has better risk-adjusted returns?

SSBRX currently has the higher Sharpe Ratio (2.51 vs 2.25), 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.