TRIKX vs. TDIFX
Compare and contrast key facts about T. Rowe Price Retirement 2045 Fund Class I (TRIKX) and Dimensional Retirement Income Fund (TDIFX).
TRIKX is a passively managed fund by T. Rowe Price that tracks the performance of the S&P Target Date 2045. It was launched on Nov 13, 2023. TDIFX is managed by Dimensional. It was launched on Nov 1, 2015.
Performance
TRIKX vs. TDIFX - Performance Comparison
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TRIKX vs. TDIFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | |
|---|---|---|---|---|
TRIKX T. Rowe Price Retirement 2045 Fund Class I | -0.91% | 18.71% | 14.23% | 7.04% |
TDIFX Dimensional Retirement Income Fund | 0.21% | 7.22% | 6.21% | 3.14% |
Returns By Period
In the year-to-date period, TRIKX achieves a -0.91% return, which is significantly lower than TDIFX's 0.21% return.
TRIKX
- 1D
- 2.73%
- 1M
- -6.29%
- YTD
- -0.91%
- 6M
- 1.62%
- 1Y
- 17.01%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
TDIFX
- 1D
- 0.59%
- 1M
- -1.59%
- YTD
- 0.21%
- 6M
- 0.88%
- 1Y
- 5.68%
- 3Y*
- 5.90%
- 5Y*
- 4.81%
- 10Y*
- 4.81%
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TRIKX vs. TDIFX - Expense Ratio Comparison
TRIKX has a 0.43% expense ratio, which is higher than TDIFX's 0.06% expense ratio.
Return for Risk
TRIKX vs. TDIFX — Risk / Return Rank
TRIKX
TDIFX
TRIKX vs. TDIFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2045 Fund Class I (TRIKX) and Dimensional Retirement Income Fund (TDIFX). 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.
| TRIKX | TDIFX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.11 | 1.47 | -0.37 |
Sortino ratioReturn per unit of downside risk | 1.61 | 2.07 | -0.45 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.31 | -0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.52 | 1.47 | +0.06 |
Martin ratioReturn relative to average drawdown | 6.87 | 6.12 | +0.75 |
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
| TRIKX | TDIFX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.11 | 1.47 | -0.37 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | — | 0.84 | — |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.96 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.24 | 1.00 | +0.23 |
Correlation
The correlation between TRIKX and TDIFX is 0.75, 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
TRIKX vs. TDIFX - Dividend Comparison
TRIKX's dividend yield for the trailing twelve months is around 3.99%, more than TDIFX's 2.06% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
TRIKX T. Rowe Price Retirement 2045 Fund Class I | 3.99% | 3.95% | 2.21% | 4.42% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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% |
Drawdowns
TRIKX vs. TDIFX - Drawdown Comparison
The maximum TRIKX drawdown since its inception was -15.16%, which is greater than TDIFX's maximum drawdown of -12.21%. Use the drawdown chart below to compare losses from any high point for TRIKX and TDIFX.
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Drawdown Indicators
| TRIKX | TDIFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.16% | -12.21% | -2.95% |
Max Drawdown (1Y)Largest decline over 1 year | -11.42% | -2.84% | -8.58% |
Max Drawdown (5Y)Largest decline over 5 years | — | -12.21% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -12.21% | — |
Current DrawdownCurrent decline from peak | -7.05% | -1.83% | -5.22% |
Average DrawdownAverage peak-to-trough decline | -1.55% | -1.77% | +0.22% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.53% | 0.84% | +1.69% |
Volatility
TRIKX vs. TDIFX - Volatility Comparison
T. Rowe Price Retirement 2045 Fund Class I (TRIKX) has a higher volatility of 5.87% compared to Dimensional Retirement Income Fund (TDIFX) at 1.51%. This indicates that TRIKX's price experiences larger fluctuations and is considered to be riskier than TDIFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRIKX | TDIFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.87% | 1.51% | +4.36% |
Volatility (6M)Calculated over the trailing 6-month period | 9.21% | 2.32% | +6.89% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.73% | 4.34% | +11.39% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.49% | 5.89% | +7.60% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.49% | 5.05% | +8.44% |