SSDJX vs. URTRX
Compare and contrast key facts about State Street Target Retirement 2050 Fund (SSDJX) and USAA Target Retirement 2030 Fund (URTRX).
SSDJX is managed by State Street. It was launched on Sep 29, 2014. URTRX is managed by Victory. It was launched on Jul 30, 2008.
Performance
SSDJX vs. URTRX - Performance Comparison
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SSDJX vs. URTRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SSDJX State Street Target Retirement 2050 Fund | -0.41% | 20.71% | 12.35% | 19.18% | -19.24% | 13.12% | 19.69% | 25.73% | -8.12% | 18.90% |
URTRX USAA Target Retirement 2030 Fund | 1.06% | 14.78% | 8.09% | 13.98% | -13.23% | 12.23% | 9.25% | 17.13% | -6.98% | 16.14% |
Returns By Period
In the year-to-date period, SSDJX achieves a -0.41% return, which is significantly lower than URTRX's 1.06% return. Over the past 10 years, SSDJX has outperformed URTRX with an annualized return of 10.12%, while URTRX has yielded a comparatively lower 7.58% annualized return.
SSDJX
- 1D
- -0.06%
- 1M
- -3.44%
- YTD
- -0.41%
- 6M
- 1.31%
- 1Y
- 23.28%
- 3Y*
- 14.57%
- 5Y*
- 7.01%
- 10Y*
- 10.12%
URTRX
- 1D
- 0.07%
- 1M
- -1.91%
- YTD
- 1.06%
- 6M
- 2.88%
- 1Y
- 16.19%
- 3Y*
- 10.94%
- 5Y*
- 5.89%
- 10Y*
- 7.58%
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SSDJX vs. URTRX - Expense Ratio Comparison
SSDJX has a 0.21% expense ratio, which is higher than URTRX's 0.03% 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%.
Return for Risk
SSDJX vs. URTRX — Risk / Return Rank
SSDJX
URTRX
SSDJX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for State Street Target Retirement 2050 Fund (SSDJX) 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.
| SSDJX | URTRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.32 | 1.60 | -0.28 |
Sortino ratioReturn per unit of downside risk | 1.92 | 2.27 | -0.35 |
Omega ratioGain probability vs. loss probability | 1.29 | 1.34 | -0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.87 | 2.19 | -0.32 |
Martin ratioReturn relative to average drawdown | 8.28 | 9.96 | -1.67 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| SSDJX | URTRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.32 | 1.60 | -0.28 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.50 | 0.61 | -0.11 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.69 | 0.74 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.61 | 0.58 | +0.03 |
Correlation
The correlation between SSDJX and URTRX is 0.96, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
SSDJX vs. URTRX - Dividend Comparison
SSDJX's dividend yield for the trailing twelve months is around 6.08%, less than URTRX's 6.71% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SSDJX State Street Target Retirement 2050 Fund | 6.08% | 6.05% | 4.63% | 3.13% | 5.47% | 4.87% | 4.13% | 6.79% | 5.05% | 0.45% | 1.73% | 1.86% |
URTRX USAA Target Retirement 2030 Fund | 6.71% | 6.78% | 3.16% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% |
Drawdowns
SSDJX vs. URTRX - Drawdown Comparison
The maximum SSDJX drawdown since its inception was -29.95%, smaller than the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for SSDJX and URTRX.
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Drawdown Indicators
| SSDJX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.95% | -34.10% | +4.15% |
Max Drawdown (1Y)Largest decline over 1 year | -8.73% | -5.29% | -3.44% |
Max Drawdown (5Y)Largest decline over 5 years | -27.45% | -19.52% | -7.93% |
Max Drawdown (10Y)Largest decline over 10 years | -29.95% | -23.56% | -6.39% |
Current DrawdownCurrent decline from peak | -5.76% | -3.19% | -2.57% |
Average DrawdownAverage peak-to-trough decline | -5.11% | -4.19% | -0.92% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.41% | 1.46% | +0.95% |
Volatility
SSDJX vs. URTRX - Volatility Comparison
State Street Target Retirement 2050 Fund (SSDJX) has a higher volatility of 5.14% compared to USAA Target Retirement 2030 Fund (URTRX) at 3.44%. This indicates that SSDJX's price experiences larger fluctuations and is considered to be riskier 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
| SSDJX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.14% | 3.44% | +1.70% |
Volatility (6M)Calculated over the trailing 6-month period | 8.55% | 5.48% | +3.07% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.77% | 8.91% | +5.86% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.05% | 9.67% | +4.38% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.72% | 10.33% | +4.39% |