TRIKX vs. URINX
Compare and contrast key facts about T. Rowe Price Retirement 2045 Fund Class I (TRIKX) and USAA Target Retirement Income Fund (URINX).
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. URINX is managed by Victory. It was launched on Jul 30, 2008.
Performance
TRIKX vs. URINX - Performance Comparison
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TRIKX vs. URINX - 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% |
URINX USAA Target Retirement Income Fund | 0.62% | 12.36% | 6.66% | 4.80% |
Returns By Period
In the year-to-date period, TRIKX achieves a -0.91% return, which is significantly lower than URINX's 0.62% return.
TRIKX
- 1D
- 2.73%
- 1M
- -6.29%
- YTD
- -0.91%
- 6M
- 1.62%
- 1Y
- 17.01%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
URINX
- 1D
- 1.07%
- 1M
- -2.47%
- YTD
- 0.62%
- 6M
- 2.27%
- 1Y
- 10.88%
- 3Y*
- 8.94%
- 5Y*
- 4.52%
- 10Y*
- 5.47%
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TRIKX vs. URINX - Expense Ratio Comparison
TRIKX has a 0.43% expense ratio, which is higher than URINX's 0.04% expense ratio.
Return for Risk
TRIKX vs. URINX — Risk / Return Rank
TRIKX
URINX
TRIKX vs. URINX - 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 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.
| TRIKX | URINX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.11 | 1.83 | -0.73 |
Sortino ratioReturn per unit of downside risk | 1.61 | 2.62 | -1.00 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.38 | -0.13 |
Calmar ratioReturn relative to maximum drawdown | 1.52 | 2.52 | -0.99 |
Martin ratioReturn relative to average drawdown | 6.87 | 10.91 | -4.04 |
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 | URINX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.11 | 1.83 | -0.73 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | — | 0.73 | — |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.95 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.24 | 1.11 | +0.13 |
Correlation
The correlation between TRIKX and URINX is 0.89, 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. URINX - Dividend Comparison
TRIKX's dividend yield for the trailing twelve months is around 3.99%, less than URINX's 6.08% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% | 0.00% |
URINX USAA Target Retirement Income Fund | 6.08% | 6.07% | 4.22% | 3.48% | 6.63% | 6.66% | 3.97% | 6.37% | 6.11% | 5.68% | 3.34% | 4.54% |
Drawdowns
TRIKX vs. URINX - Drawdown Comparison
The maximum TRIKX drawdown since its inception was -15.16%, roughly equal to the maximum URINX drawdown of -15.27%. Use the drawdown chart below to compare losses from any high point for TRIKX and URINX.
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Drawdown Indicators
| TRIKX | URINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.16% | -15.27% | +0.11% |
Max Drawdown (1Y)Largest decline over 1 year | -11.42% | -4.41% | -7.01% |
Max Drawdown (5Y)Largest decline over 5 years | — | -15.27% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -15.27% | — |
Current DrawdownCurrent decline from peak | -7.05% | -2.81% | -4.24% |
Average DrawdownAverage peak-to-trough decline | -1.55% | -1.93% | +0.38% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.53% | 1.02% | +1.51% |
Volatility
TRIKX vs. URINX - Volatility Comparison
T. Rowe Price Retirement 2045 Fund Class I (TRIKX) has a higher volatility of 5.87% compared to USAA Target Retirement Income Fund (URINX) at 2.61%. This indicates that TRIKX's price experiences larger fluctuations and is considered to be riskier 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
| TRIKX | URINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.87% | 2.61% | +3.26% |
Volatility (6M)Calculated over the trailing 6-month period | 9.21% | 3.83% | +5.38% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.73% | 6.07% | +9.66% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.49% | 6.23% | +7.26% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.49% | 5.79% | +7.70% |