SSFNX vs. URINX
Compare and contrast key facts about State Street Target Retirement Fund (SSFNX) and USAA Target Retirement Income Fund (URINX).
SSFNX is managed by State Street. It was launched on Sep 29, 2014. URINX is managed by Victory. It was launched on Jul 30, 2008.
Performance
SSFNX vs. URINX - Performance Comparison
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SSFNX vs. URINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SSFNX State Street Target Retirement Fund | -0.35% | 10.93% | 7.05% | 10.73% | -12.21% | 6.87% | 10.26% | 13.97% | -2.49% | 8.92% |
URINX USAA Target Retirement Income Fund | -0.45% | 12.36% | 6.66% | 10.79% | -10.38% | 6.47% | 8.74% | 11.72% | -3.00% | 8.34% |
Returns By Period
In the year-to-date period, SSFNX achieves a -0.35% return, which is significantly higher than URINX's -0.45% return. Both investments have delivered pretty close results over the past 10 years, with SSFNX having a 5.41% annualized return and URINX not far behind at 5.35%.
SSFNX
- 1D
- 0.18%
- 1M
- -3.35%
- YTD
- -0.35%
- 6M
- 1.07%
- 1Y
- 8.90%
- 3Y*
- 8.01%
- 5Y*
- 3.96%
- 10Y*
- 5.41%
URINX
- 1D
- 0.09%
- 1M
- -3.83%
- YTD
- -0.45%
- 6M
- 1.45%
- 1Y
- 9.91%
- 3Y*
- 8.56%
- 5Y*
- 4.40%
- 10Y*
- 5.35%
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SSFNX vs. URINX - Expense Ratio Comparison
SSFNX has a 0.10% expense ratio, which is higher than URINX's 0.04% 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
SSFNX vs. URINX — Risk / Return Rank
SSFNX
URINX
SSFNX vs. URINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for State Street Target Retirement Fund (SSFNX) and USAA Target Retirement Income Fund (URINX). 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.
| SSFNX | URINX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.59 | 1.66 | -0.08 |
Sortino ratioReturn per unit of downside risk | 2.24 | 2.35 | -0.11 |
Omega ratioGain probability vs. loss probability | 1.35 | 1.34 | +0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.93 | 2.20 | -0.27 |
Martin ratioReturn relative to average drawdown | 9.29 | 9.70 | -0.41 |
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
| SSFNX | URINX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.59 | 1.66 | -0.08 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.61 | 0.71 | -0.11 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.83 | 0.93 | -0.10 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.77 | 1.10 | -0.33 |
Correlation
The correlation between SSFNX and URINX is 0.93, 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
SSFNX vs. URINX - Dividend Comparison
SSFNX's dividend yield for the trailing twelve months is around 4.88%, less than URINX's 6.14% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SSFNX State Street Target Retirement Fund | 4.88% | 4.86% | 5.78% | 5.26% | 5.12% | 6.69% | 1.61% | 3.35% | 4.40% | 2.72% | 1.84% | 2.05% |
URINX USAA Target Retirement Income Fund | 6.14% | 6.07% | 4.22% | 3.48% | 6.63% | 6.66% | 3.97% | 6.37% | 6.11% | 5.68% | 3.34% | 4.54% |
Drawdowns
SSFNX vs. URINX - Drawdown Comparison
The maximum SSFNX drawdown since its inception was -16.62%, which is greater than URINX's maximum drawdown of -15.27%. Use the drawdown chart below to compare losses from any high point for SSFNX and URINX.
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Drawdown Indicators
| SSFNX | URINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -16.62% | -15.27% | -1.35% |
Max Drawdown (1Y)Largest decline over 1 year | -4.51% | -4.41% | -0.10% |
Max Drawdown (5Y)Largest decline over 5 years | -16.62% | -15.27% | -1.35% |
Max Drawdown (10Y)Largest decline over 10 years | -16.62% | -15.27% | -1.35% |
Current DrawdownCurrent decline from peak | -3.35% | -3.83% | +0.48% |
Average DrawdownAverage peak-to-trough decline | -2.55% | -1.93% | -0.62% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.94% | 1.00% | -0.06% |
Volatility
SSFNX vs. URINX - Volatility Comparison
The current volatility for State Street Target Retirement Fund (SSFNX) is 1.92%, while USAA Target Retirement Income Fund (URINX) has a volatility of 2.30%. This indicates that SSFNX experiences smaller price fluctuations and is considered to be less risky than URINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SSFNX | URINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.92% | 2.30% | -0.38% |
Volatility (6M)Calculated over the trailing 6-month period | 3.23% | 3.69% | -0.46% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.71% | 5.99% | -0.28% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.56% | 6.22% | +0.34% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.55% | 5.78% | +0.77% |