TRRBX vs. VGIAX
Compare and contrast key facts about T. Rowe Price Retirement 2020 Fund (TRRBX) and Vanguard Growth and Income Fund Admiral Shares (VGIAX).
TRRBX is managed by T. Rowe Price. It was launched on Sep 29, 2002. VGIAX is managed by Vanguard. It was launched on May 14, 2001.
Performance
TRRBX vs. VGIAX - Performance Comparison
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TRRBX vs. VGIAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRRBX T. Rowe Price Retirement 2020 Fund | -0.56% | 6.07% | 9.17% | 13.51% | -14.58% | 10.60% | 13.18% | 19.39% | -5.01% | 15.75% |
VGIAX Vanguard Growth and Income Fund Admiral Shares | -5.01% | 19.26% | 25.84% | 24.83% | -17.18% | 28.86% | 18.04% | 29.77% | -4.61% | 19.87% |
Returns By Period
In the year-to-date period, TRRBX achieves a -0.56% return, which is significantly higher than VGIAX's -5.01% return. Over the past 10 years, TRRBX has underperformed VGIAX with an annualized return of 6.66%, while VGIAX has yielded a comparatively higher 13.85% annualized return.
TRRBX
- 1D
- 1.45%
- 1M
- -3.82%
- YTD
- -0.56%
- 6M
- -4.75%
- 1Y
- 4.03%
- 3Y*
- 7.71%
- 5Y*
- 3.52%
- 10Y*
- 6.66%
VGIAX
- 1D
- 3.05%
- 1M
- -5.20%
- YTD
- -5.01%
- 6M
- -2.05%
- 1Y
- 19.46%
- 3Y*
- 18.67%
- 5Y*
- 11.91%
- 10Y*
- 13.85%
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TRRBX vs. VGIAX - Expense Ratio Comparison
TRRBX has a 0.53% expense ratio, which is higher than VGIAX's 0.22% expense ratio.
Return for Risk
TRRBX vs. VGIAX — Risk / Return Rank
TRRBX
VGIAX
TRRBX vs. VGIAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2020 Fund (TRRBX) and Vanguard Growth and Income Fund Admiral Shares (VGIAX). 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.
| TRRBX | VGIAX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.43 | 1.08 | -0.65 |
Sortino ratioReturn per unit of downside risk | 0.61 | 1.61 | -1.00 |
Omega ratioGain probability vs. loss probability | 1.11 | 1.24 | -0.13 |
Calmar ratioReturn relative to maximum drawdown | 0.50 | 1.71 | -1.22 |
Martin ratioReturn relative to average drawdown | 1.45 | 7.75 | -6.30 |
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
| TRRBX | VGIAX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.43 | 1.08 | -0.65 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.39 | 0.70 | -0.31 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.69 | 0.76 | -0.07 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.59 | 0.45 | +0.15 |
Correlation
The correlation between TRRBX and VGIAX is 0.91, 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
TRRBX vs. VGIAX - Dividend Comparison
TRRBX has not paid dividends to shareholders, while VGIAX's dividend yield for the trailing twelve months is around 11.29%.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRRBX T. Rowe Price Retirement 2020 Fund | 0.00% | 0.00% | 4.28% | 6.78% | 13.33% | 12.99% | 9.80% | 5.52% | 9.63% | 4.79% | 1.76% | 2.92% |
VGIAX Vanguard Growth and Income Fund Admiral Shares | 11.29% | 10.72% | 11.67% | 8.70% | 9.81% | 15.28% | 6.63% | 4.19% | 8.05% | 5.06% | 7.01% | 7.72% |
Drawdowns
TRRBX vs. VGIAX - Drawdown Comparison
The maximum TRRBX drawdown since its inception was -47.04%, smaller than the maximum VGIAX drawdown of -56.85%. Use the drawdown chart below to compare losses from any high point for TRRBX and VGIAX.
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Drawdown Indicators
| TRRBX | VGIAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -47.04% | -56.85% | +9.81% |
Max Drawdown (1Y)Largest decline over 1 year | -7.68% | -11.91% | +4.23% |
Max Drawdown (5Y)Largest decline over 5 years | -20.54% | -23.30% | +2.76% |
Max Drawdown (10Y)Largest decline over 10 years | -23.90% | -34.33% | +10.43% |
Current DrawdownCurrent decline from peak | -6.35% | -6.98% | +0.63% |
Average DrawdownAverage peak-to-trough decline | -5.07% | -9.40% | +4.33% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.62% | 2.63% | -0.01% |
Volatility
TRRBX vs. VGIAX - Volatility Comparison
The current volatility for T. Rowe Price Retirement 2020 Fund (TRRBX) is 3.34%, while Vanguard Growth and Income Fund Admiral Shares (VGIAX) has a volatility of 5.52%. This indicates that TRRBX experiences smaller price fluctuations and is considered to be less risky than VGIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRRBX | VGIAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.34% | 5.52% | -2.18% |
Volatility (6M)Calculated over the trailing 6-month period | 7.36% | 10.20% | -2.84% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.02% | 18.39% | -8.37% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.17% | 17.11% | -7.94% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.66% | 18.19% | -8.53% |