STLFX vs. LIRIX
STLFX (BlackRock LifePath Dynamic 2050 Fund) and LIRIX (BlackRock LifePath Index Retirement Fund) are both Target Retirement Date funds from BlackRock. Over the past 10 years, STLFX returned 11.53%/yr vs 6.03%/yr for LIRIX. Their correlation of 0.87 suggests significant overlap in exposure. STLFX charges 0.49%/yr vs 0.11%/yr for LIRIX.
Performance
STLFX vs. LIRIX - Performance Comparison
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Returns By Period
In the year-to-date period, STLFX achieves a 12.31% return, which is significantly higher than LIRIX's 5.30% return. Over the past 10 years, STLFX has outperformed LIRIX with an annualized return of 11.53%, while LIRIX has yielded a comparatively lower 6.03% annualized return.
STLFX
- 1D
- -0.10%
- 1M
- 1.53%
- YTD
- 12.31%
- 6M
- 11.43%
- 1Y
- 26.85%
- 3Y*
- 16.24%
- 5Y*
- 8.35%
- 10Y*
- 11.53%
LIRIX
- 1D
- -0.19%
- 1M
- 0.71%
- YTD
- 5.30%
- 6M
- 5.08%
- 1Y
- 13.03%
- 3Y*
- 9.82%
- 5Y*
- 3.98%
- 10Y*
- 6.03%
STLFX vs. LIRIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
STLFX BlackRock LifePath Dynamic 2050 Fund | 12.31% | 20.03% | 5.73% | 22.31% | -18.73% | 18.12% | 14.82% | 26.48% | -8.22% | 21.73% |
LIRIX BlackRock LifePath Index Retirement Fund | 5.30% | 12.41% | 6.04% | 11.50% | -15.31% | 6.69% | 11.40% | 15.84% | -3.54% | 10.68% |
Correlation
The correlation between STLFX and LIRIX is 0.93, 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 | 0.93 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.87 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.86 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.87 |
Correlation (All Time) Calculated using the full available price history since May 31, 2011 | 0.87 |
The correlation between STLFX and LIRIX has been stable across timeframes, ranging from 0.86 to 0.93 - a consistent structural relationship.
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Return for Risk
STLFX vs. LIRIX — Risk / Return Rank
STLFX
LIRIX
STLFX vs. LIRIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for BlackRock LifePath Dynamic 2050 Fund (STLFX) and BlackRock LifePath Index Retirement Fund (LIRIX). 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.
| STLFX | LIRIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.30 | ||
| Sortino ratioReturn per unit of downside risk | -0.53 | ||
| Omega ratioGain probability vs. loss probability | 1.36 | 1.44 | -0.09 |
| Calmar ratioReturn relative to maximum drawdown | 2.98 | 3.21 | -0.23 |
| Martin ratioReturn relative to average drawdown | 12.74 | 13.95 | -1.21 |
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Drawdowns
STLFX vs. LIRIX - Drawdown Comparison
The maximum STLFX drawdown since its inception was -50.35%, which is greater than LIRIX's maximum drawdown of -20.49%. Use the drawdown chart below to compare losses from any high point for STLFX and LIRIX.
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Drawdown Indicators
| STLFX | LIRIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -50.35% | -20.49% | -29.86% |
Max Drawdown (1Y)Largest decline over 1 year | -9.45% | -4.23% | -5.22% |
Max Drawdown (3Y)Largest decline over 3 years | -23.35% | -7.56% | -15.79% |
Max Drawdown (5Y)Largest decline over 5 years | -27.07% | -20.49% | -6.58% |
Max Drawdown (10Y)Largest decline over 10 years | -34.48% | -20.49% | -13.99% |
Current DrawdownCurrent decline from peak | -0.73% | -0.51% | -0.22% |
Average DrawdownAverage peak-to-trough decline | -6.76% | -2.85% | -3.91% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.21% | 0.97% | +1.24% |
Volatility
STLFX vs. LIRIX - Volatility Comparison
BlackRock LifePath Dynamic 2050 Fund (STLFX) has a higher volatility of 5.50% compared to BlackRock LifePath Index Retirement Fund (LIRIX) at 2.40%. This indicates that STLFX's price experiences larger fluctuations and is considered to be riskier than LIRIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| STLFX | LIRIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.50% | 2.40% | +3.10% |
Volatility (6M)Calculated over the trailing 6-month period | 11.71% | 4.99% | +6.72% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.21% | 5.95% | +8.26% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.98% | 7.88% | +9.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.48% | 7.53% | +8.95% |
STLFX vs. LIRIX - Expense Ratio Comparison
STLFX has a 0.49% expense ratio, which is higher than LIRIX's 0.11% expense ratio.
Dividends
STLFX vs. LIRIX - Dividend Comparison
STLFX's dividend yield for the trailing twelve months is around 5.52%, more than LIRIX's 3.64% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LIRIX BlackRock LifePath Index Retirement Fund | 3.64% | 3.83% | 2.02% | 2.62% | 2.69% | 2.68% | 1.93% | 2.43% | 2.44% | 2.22% | 2.47% | 2.92% |
STLFX BlackRock LifePath Dynamic 2050 Fund | 5.52% | 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
With a correlation of 0.93, STLFX and LIRIX 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.
STLFX has higher volatility (5.50%) compared to LIRIX (2.40%). In terms of maximum drawdown, STLFX dropped -50.35% vs LIRIX's -20.49%.
LIRIX currently has the higher Sharpe Ratio (2.28 vs 1.99), 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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