TRRCX vs. VOO
Compare and contrast key facts about T. Rowe Price Retirement 2030 Fund (TRRCX) and Vanguard S&P 500 ETF (VOO).
TRRCX is managed by T. Rowe Price. It was launched on Sep 29, 2002. VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.
Performance
TRRCX vs. VOO - Performance Comparison
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TRRCX vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRRCX T. Rowe Price Retirement 2030 Fund | -0.72% | 8.23% | 10.73% | 16.36% | -16.89% | 13.70% | 15.90% | 22.50% | -6.36% | 19.46% |
VOO Vanguard S&P 500 ETF | -3.66% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Returns By Period
In the year-to-date period, TRRCX achieves a -0.72% return, which is significantly higher than VOO's -3.66% return. Over the past 10 years, TRRCX has underperformed VOO with an annualized return of 8.12%, while VOO has yielded a comparatively higher 14.14% annualized return.
TRRCX
- 1D
- 1.85%
- 1M
- -4.64%
- YTD
- -0.72%
- 6M
- -4.27%
- 1Y
- 6.29%
- 3Y*
- 9.55%
- 5Y*
- 4.41%
- 10Y*
- 8.12%
VOO
- 1D
- 0.79%
- 1M
- -4.29%
- YTD
- -3.66%
- 6M
- -1.41%
- 1Y
- 18.17%
- 3Y*
- 18.58%
- 5Y*
- 11.93%
- 10Y*
- 14.14%
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TRRCX vs. VOO - Expense Ratio Comparison
TRRCX has a 0.59% expense ratio, which is higher than VOO's 0.03% expense ratio.
Return for Risk
TRRCX vs. VOO — Risk / Return Rank
TRRCX
VOO
TRRCX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2030 Fund (TRRCX) and Vanguard S&P 500 ETF (VOO). 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.
| TRRCX | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.57 | 1.01 | -0.44 |
Sortino ratioReturn per unit of downside risk | 0.82 | 1.53 | -0.71 |
Omega ratioGain probability vs. loss probability | 1.13 | 1.23 | -0.10 |
Calmar ratioReturn relative to maximum drawdown | 0.63 | 1.55 | -0.93 |
Martin ratioReturn relative to average drawdown | 2.17 | 7.31 | -5.14 |
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
| TRRCX | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.57 | 1.01 | -0.44 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.39 | 0.71 | -0.32 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.67 | 0.79 | -0.12 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.56 | 0.83 | -0.27 |
Correlation
The correlation between TRRCX and VOO is 0.94, 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
TRRCX vs. VOO - Dividend Comparison
TRRCX has not paid dividends to shareholders, while VOO's dividend yield for the trailing twelve months is around 1.18%.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRRCX T. Rowe Price Retirement 2030 Fund | 0.00% | 0.00% | 3.38% | 6.16% | 12.05% | 9.43% | 5.45% | 5.44% | 8.83% | 3.82% | 2.66% | 3.76% |
VOO Vanguard S&P 500 ETF | 1.18% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Drawdowns
TRRCX vs. VOO - Drawdown Comparison
The maximum TRRCX drawdown since its inception was -52.28%, which is greater than VOO's maximum drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for TRRCX and VOO.
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Drawdown Indicators
| TRRCX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.28% | -33.99% | -18.29% |
Max Drawdown (1Y)Largest decline over 1 year | -8.15% | -11.98% | +3.83% |
Max Drawdown (5Y)Largest decline over 5 years | -24.07% | -24.52% | +0.45% |
Max Drawdown (10Y)Largest decline over 10 years | -28.55% | -33.99% | +5.44% |
Current DrawdownCurrent decline from peak | -6.23% | -5.55% | -0.68% |
Average DrawdownAverage peak-to-trough decline | -6.11% | -3.72% | -2.39% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.60% | 2.55% | +0.05% |
Volatility
TRRCX vs. VOO - Volatility Comparison
The current volatility for T. Rowe Price Retirement 2030 Fund (TRRCX) is 4.14%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.34%. This indicates that TRRCX experiences smaller price fluctuations and is considered to be less risky than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRRCX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.14% | 5.34% | -1.20% |
Volatility (6M)Calculated over the trailing 6-month period | 8.00% | 9.47% | -1.47% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.93% | 18.11% | -6.18% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.33% | 16.82% | -5.49% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.23% | 17.99% | -5.76% |