SSFNX vs. VTINX
SSFNX (State Street Target Retirement Fund) and VTINX (Vanguard Target Retirement Income Fund) are both Target Retirement Date funds. Over the past 10 years, SSFNX returned 5.84%/yr vs 5.31%/yr for VTINX. Their correlation of 0.94 suggests significant overlap in exposure. SSFNX charges 0.10%/yr vs 0.08%/yr for VTINX.
Performance
SSFNX vs. VTINX - Performance Comparison
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Returns By Period
In the year-to-date period, SSFNX achieves a 5.13% return, which is significantly higher than VTINX's 4.47% return. Over the past 10 years, SSFNX has outperformed VTINX with an annualized return of 5.84%, while VTINX has yielded a comparatively lower 5.31% annualized return.
SSFNX
- 1D
- 0.42%
- 1M
- 0.34%
- YTD
- 5.13%
- 6M
- 5.02%
- 1Y
- 12.01%
- 3Y*
- 9.36%
- 5Y*
- 4.53%
- 10Y*
- 5.84%
VTINX
- 1D
- 0.49%
- 1M
- 0.98%
- YTD
- 4.47%
- 6M
- 4.54%
- 1Y
- 11.60%
- 3Y*
- 9.10%
- 5Y*
- 4.22%
- 10Y*
- 5.31%
SSFNX vs. VTINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SSFNX State Street Target Retirement Fund | 5.13% | 10.93% | 7.05% | 10.73% | -12.21% | 6.87% | 10.26% | 13.97% | -2.49% | 8.92% |
VTINX Vanguard Target Retirement Income Fund | 4.47% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
Correlation
The correlation between SSFNX and VTINX 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 | 0.95 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.95 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.94 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.94 |
The correlation between SSFNX and VTINX has been stable across timeframes, ranging from 0.94 to 0.95 - a consistent structural relationship.
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Return for Risk
SSFNX vs. VTINX — Risk / Return Rank
SSFNX
VTINX
SSFNX vs. VTINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for State Street Target Retirement Fund (SSFNX) and Vanguard Target Retirement Income Fund (VTINX). 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.
| SSFNX | VTINX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.33 | ||
| Sortino ratioReturn per unit of downside risk | +0.42 | ||
| Omega ratioGain probability vs. loss probability | 1.51 | 1.44 | +0.08 |
| Calmar ratioReturn relative to maximum drawdown | 3.40 | 2.77 | +0.63 |
| Martin ratioReturn relative to average drawdown | 15.06 | 11.98 | +3.08 |
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Drawdowns
SSFNX vs. VTINX - Drawdown Comparison
The maximum SSFNX drawdown since its inception was -16.62%, smaller than the maximum VTINX drawdown of -19.96%. Use the drawdown chart below to compare losses from any high point for SSFNX and VTINX.
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Drawdown Indicators
| SSFNX | VTINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -16.62% | -19.96% | +3.34% |
Max Drawdown (1Y)Largest decline over 1 year | -3.52% | -4.14% | +0.62% |
Max Drawdown (3Y)Largest decline over 3 years | -5.40% | -5.26% | -0.14% |
Max Drawdown (5Y)Largest decline over 5 years | -16.62% | -17.02% | +0.40% |
Max Drawdown (10Y)Largest decline over 10 years | -16.62% | -17.02% | +0.40% |
Current DrawdownCurrent decline from peak | -0.42% | -0.21% | -0.21% |
Average DrawdownAverage peak-to-trough decline | -2.51% | -2.20% | -0.31% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.79% | 0.96% | -0.17% |
Volatility
SSFNX vs. VTINX - Volatility Comparison
The current volatility for State Street Target Retirement Fund (SSFNX) is 1.99%, while Vanguard Target Retirement Income Fund (VTINX) has a volatility of 2.18%. This indicates that SSFNX experiences smaller price fluctuations and is considered to be less risky than VTINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SSFNX | VTINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.99% | 2.18% | -0.19% |
Volatility (6M)Calculated over the trailing 6-month period | 3.91% | 4.40% | -0.49% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.70% | 5.18% | -0.48% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.62% | 6.12% | +0.50% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.58% | 5.76% | +0.82% |
SSFNX vs. VTINX - Expense Ratio Comparison
SSFNX has a 0.10% expense ratio, which is higher than VTINX'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
SSFNX vs. VTINX - Dividend Comparison
SSFNX's dividend yield for the trailing twelve months is around 4.63%, less than VTINX's 4.81% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SSFNX State Street Target Retirement Fund | 4.63% | 4.86% | 5.78% | 5.26% | 5.12% | 6.69% | 1.61% | 3.35% | 4.40% | 2.72% | 1.84% | 2.05% |
VTINX Vanguard Target Retirement Income Fund | 4.81% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
Frequently Asked Questions
With a correlation of 0.95, SSFNX and VTINX 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.
VTINX has higher volatility (2.18%) compared to SSFNX (1.99%). In terms of maximum drawdown, SSFNX dropped -16.62% vs VTINX's -19.96%.
SSFNX currently has the higher Sharpe Ratio (2.54 vs 2.22), 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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