TRRHX vs. VOO
Compare and contrast key facts about T. Rowe Price Retirement 2025 Fund (TRRHX) and Vanguard S&P 500 ETF (VOO).
TRRHX is managed by T. Rowe Price. It was launched on Feb 27, 2004. 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
TRRHX vs. VOO - Performance Comparison
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TRRHX vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRRHX T. Rowe Price Retirement 2025 Fund | -0.62% | 6.59% | 9.71% | 14.63% | -15.59% | 12.02% | 14.68% | 20.96% | -5.68% | 17.69% |
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, TRRHX achieves a -0.62% return, which is significantly higher than VOO's -3.66% return. Over the past 10 years, TRRHX has underperformed VOO with an annualized return of 7.32%, while VOO has yielded a comparatively higher 14.14% annualized return.
TRRHX
- 1D
- 1.56%
- 1M
- -4.05%
- YTD
- -0.62%
- 6M
- -4.68%
- 1Y
- 4.59%
- 3Y*
- 8.30%
- 5Y*
- 3.80%
- 10Y*
- 7.32%
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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TRRHX vs. VOO - Expense Ratio Comparison
TRRHX has a 0.55% expense ratio, which is higher than VOO's 0.03% expense ratio.
Return for Risk
TRRHX vs. VOO — Risk / Return Rank
TRRHX
VOO
TRRHX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2025 Fund (TRRHX) 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.
| TRRHX | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.47 | 1.01 | -0.54 |
Sortino ratioReturn per unit of downside risk | 0.67 | 1.53 | -0.86 |
Omega ratioGain probability vs. loss probability | 1.11 | 1.23 | -0.12 |
Calmar ratioReturn relative to maximum drawdown | 0.53 | 1.55 | -1.02 |
Martin ratioReturn relative to average drawdown | 1.59 | 7.31 | -5.72 |
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
| TRRHX | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.47 | 1.01 | -0.54 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.39 | 0.71 | -0.33 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.68 | 0.79 | -0.11 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.49 | 0.83 | -0.34 |
Correlation
The correlation between TRRHX 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
TRRHX vs. VOO - Dividend Comparison
TRRHX 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRRHX T. Rowe Price Retirement 2025 Fund | 0.00% | 0.00% | 4.13% | 6.58% | 12.69% | 10.87% | 5.21% | 4.95% | 7.52% | 3.70% | 2.00% | 3.11% |
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
TRRHX vs. VOO - Drawdown Comparison
The maximum TRRHX drawdown since its inception was -50.04%, which is greater than VOO's maximum drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for TRRHX and VOO.
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Drawdown Indicators
| TRRHX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -50.04% | -33.99% | -16.05% |
Max Drawdown (1Y)Largest decline over 1 year | -7.80% | -11.98% | +4.18% |
Max Drawdown (5Y)Largest decline over 5 years | -22.00% | -24.52% | +2.52% |
Max Drawdown (10Y)Largest decline over 10 years | -26.42% | -33.99% | +7.57% |
Current DrawdownCurrent decline from peak | -6.36% | -5.55% | -0.81% |
Average DrawdownAverage peak-to-trough decline | -5.81% | -3.72% | -2.09% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.62% | 2.55% | +0.07% |
Volatility
TRRHX vs. VOO - Volatility Comparison
The current volatility for T. Rowe Price Retirement 2025 Fund (TRRHX) is 3.55%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.34%. This indicates that TRRHX 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
| TRRHX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.55% | 5.34% | -1.79% |
Volatility (6M)Calculated over the trailing 6-month period | 7.51% | 9.47% | -1.96% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.55% | 18.11% | -7.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.95% | 16.82% | -6.87% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.82% | 17.99% | -7.17% |