TDIFX vs. VFFVX
Compare and contrast key facts about Dimensional Retirement Income Fund (TDIFX) and Vanguard Target Retirement 2055 Fund (VFFVX).
TDIFX is managed by Dimensional. It was launched on Nov 1, 2015. VFFVX is managed by Vanguard. It was launched on Aug 18, 2010.
Performance
TDIFX vs. VFFVX - Performance Comparison
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TDIFX vs. VFFVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TDIFX Dimensional Retirement Income Fund | 0.54% | 7.22% | 6.21% | 7.76% | -9.37% | 14.53% | 9.33% | 9.96% | -1.98% | 5.17% |
VFFVX Vanguard Target Retirement 2055 Fund | -0.62% | 21.44% | 14.50% | 20.39% | -17.48% | 16.44% | 16.33% | 24.98% | -7.88% | 21.39% |
Returns By Period
In the year-to-date period, TDIFX achieves a 0.54% return, which is significantly higher than VFFVX's -0.62% return. Over the past 10 years, TDIFX has underperformed VFFVX with an annualized return of 4.86%, while VFFVX has yielded a comparatively higher 10.91% annualized return.
TDIFX
- 1D
- 0.17%
- 1M
- -0.94%
- YTD
- 0.54%
- 6M
- 1.21%
- 1Y
- 6.50%
- 3Y*
- 5.89%
- 5Y*
- 4.88%
- 10Y*
- 4.86%
VFFVX
- 1D
- -0.17%
- 1M
- -3.46%
- YTD
- -0.62%
- 6M
- 1.58%
- 1Y
- 24.52%
- 3Y*
- 15.83%
- 5Y*
- 8.61%
- 10Y*
- 10.91%
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TDIFX vs. VFFVX - Expense Ratio Comparison
TDIFX has a 0.06% expense ratio, which is lower than VFFVX's 0.08% expense ratio. Despite the difference, 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
TDIFX vs. VFFVX — Risk / Return Rank
TDIFX
VFFVX
TDIFX vs. VFFVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Dimensional Retirement Income Fund (TDIFX) and Vanguard Target Retirement 2055 Fund (VFFVX). 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.
| TDIFX | VFFVX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.54 | 1.36 | +0.18 |
Sortino ratioReturn per unit of downside risk | 2.16 | 1.96 | +0.20 |
Omega ratioGain probability vs. loss probability | 1.32 | 1.29 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.55 | 1.99 | -0.44 |
Martin ratioReturn relative to average drawdown | 6.41 | 8.82 | -2.41 |
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
| TDIFX | VFFVX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.54 | 1.36 | +0.18 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.85 | 0.61 | +0.24 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.97 | 0.73 | +0.25 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.01 | 0.72 | +0.29 |
Correlation
The correlation between TDIFX and VFFVX is 0.73, 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
TDIFX vs. VFFVX - Dividend Comparison
TDIFX's dividend yield for the trailing twelve months is around 2.06%, less than VFFVX's 2.09% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TDIFX Dimensional Retirement Income Fund | 2.06% | 1.77% | 3.11% | 3.09% | 4.66% | 9.39% | 1.39% | 1.98% | 2.11% | 0.98% | 0.89% | 0.00% |
VFFVX Vanguard Target Retirement 2055 Fund | 2.09% | 2.08% | 2.31% | 2.18% | 2.19% | 10.03% | 1.82% | 2.15% | 2.35% | 1.83% | 1.99% | 1.98% |
Drawdowns
TDIFX vs. VFFVX - Drawdown Comparison
The maximum TDIFX drawdown since its inception was -12.21%, smaller than the maximum VFFVX drawdown of -31.40%. Use the drawdown chart below to compare losses from any high point for TDIFX and VFFVX.
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Drawdown Indicators
| TDIFX | VFFVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -12.21% | -31.40% | +19.19% |
Max Drawdown (1Y)Largest decline over 1 year | -2.61% | -8.93% | +6.32% |
Max Drawdown (5Y)Largest decline over 5 years | -12.21% | -25.39% | +13.18% |
Max Drawdown (10Y)Largest decline over 10 years | -12.21% | -31.40% | +19.19% |
Current DrawdownCurrent decline from peak | -1.50% | -5.75% | +4.25% |
Average DrawdownAverage peak-to-trough decline | -1.77% | -4.18% | +2.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.83% | 2.38% | -1.55% |
Volatility
TDIFX vs. VFFVX - Volatility Comparison
The current volatility for Dimensional Retirement Income Fund (TDIFX) is 1.50%, while Vanguard Target Retirement 2055 Fund (VFFVX) has a volatility of 5.42%. This indicates that TDIFX experiences smaller price fluctuations and is considered to be less risky than VFFVX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TDIFX | VFFVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.50% | 5.42% | -3.92% |
Volatility (6M)Calculated over the trailing 6-month period | 2.33% | 9.01% | -6.68% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.33% | 15.04% | -10.71% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.88% | 14.12% | -8.24% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.05% | 15.06% | -10.01% |