TRRJX vs. VFIAX
Compare and contrast key facts about T. Rowe Price Retirement 2035 Fund (TRRJX) and Vanguard 500 Index Fund Admiral Shares (VFIAX).
TRRJX is managed by T. Rowe Price. It was launched on Feb 27, 2004. VFIAX is managed by Vanguard. It was launched on Nov 13, 2000.
Performance
TRRJX vs. VFIAX - Performance Comparison
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TRRJX vs. VFIAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRRJX T. Rowe Price Retirement 2035 Fund | -0.81% | 10.96% | 11.99% | 18.14% | -17.96% | 15.21% | 17.04% | 23.72% | -6.95% | 20.89% |
VFIAX Vanguard 500 Index Fund Admiral Shares | -4.35% | 17.83% | 24.97% | 26.24% | -18.16% | 28.65% | 18.32% | 31.46% | -4.45% | 21.78% |
Returns By Period
In the year-to-date period, TRRJX achieves a -0.81% return, which is significantly higher than VFIAX's -4.35% return. Over the past 10 years, TRRJX has underperformed VFIAX with an annualized return of 8.99%, while VFIAX has yielded a comparatively higher 14.04% annualized return.
TRRJX
- 1D
- 2.20%
- 1M
- -5.39%
- YTD
- -0.81%
- 6M
- -3.17%
- 1Y
- 9.13%
- 3Y*
- 11.25%
- 5Y*
- 5.33%
- 10Y*
- 8.99%
VFIAX
- 1D
- 2.92%
- 1M
- -5.03%
- YTD
- -4.35%
- 6M
- -2.16%
- 1Y
- 17.30%
- 3Y*
- 18.27%
- 5Y*
- 11.75%
- 10Y*
- 14.04%
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TRRJX vs. VFIAX - Expense Ratio Comparison
TRRJX has a 0.59% expense ratio, which is higher than VFIAX's 0.04% expense ratio.
Return for Risk
TRRJX vs. VFIAX — Risk / Return Rank
TRRJX
VFIAX
TRRJX vs. VFIAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2035 Fund (TRRJX) and Vanguard 500 Index Fund Admiral Shares (VFIAX). 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.
| TRRJX | VFIAX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.72 | 0.97 | -0.26 |
Sortino ratioReturn per unit of downside risk | 1.07 | 1.49 | -0.42 |
Omega ratioGain probability vs. loss probability | 1.16 | 1.23 | -0.07 |
Calmar ratioReturn relative to maximum drawdown | 0.77 | 1.52 | -0.75 |
Martin ratioReturn relative to average drawdown | 3.24 | 7.29 | -4.05 |
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
| TRRJX | VFIAX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.72 | 0.97 | -0.26 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.42 | 0.70 | -0.28 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.67 | 0.78 | -0.11 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.48 | 0.44 | +0.04 |
Correlation
The correlation between TRRJX and VFIAX is 0.95, 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
TRRJX vs. VFIAX - Dividend Comparison
TRRJX has not paid dividends to shareholders, while VFIAX's dividend yield for the trailing twelve months is around 1.18%.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRRJX T. Rowe Price Retirement 2035 Fund | 0.00% | 0.00% | 2.36% | 4.68% | 9.67% | 6.89% | 4.80% | 5.68% | 8.55% | 3.80% | 2.89% | 4.05% |
VFIAX Vanguard 500 Index Fund Admiral Shares | 1.18% | 1.12% | 1.24% | 1.45% | 1.68% | 1.24% | 1.53% | 1.87% | 2.05% | 1.78% | 2.02% | 2.10% |
Drawdowns
TRRJX vs. VFIAX - Drawdown Comparison
The maximum TRRJX drawdown since its inception was -53.57%, roughly equal to the maximum VFIAX drawdown of -55.20%. Use the drawdown chart below to compare losses from any high point for TRRJX and VFIAX.
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Drawdown Indicators
| TRRJX | VFIAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -53.57% | -55.20% | +1.63% |
Max Drawdown (1Y)Largest decline over 1 year | -9.61% | -12.12% | +2.51% |
Max Drawdown (5Y)Largest decline over 5 years | -25.85% | -24.53% | -1.32% |
Max Drawdown (10Y)Largest decline over 10 years | -30.14% | -33.83% | +3.69% |
Current DrawdownCurrent decline from peak | -6.04% | -6.24% | +0.20% |
Average DrawdownAverage peak-to-trough decline | -6.69% | -9.46% | +2.77% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.53% | 2.52% | +0.01% |
Volatility
TRRJX vs. VFIAX - Volatility Comparison
The current volatility for T. Rowe Price Retirement 2035 Fund (TRRJX) is 4.87%, while Vanguard 500 Index Fund Admiral Shares (VFIAX) has a volatility of 5.35%. This indicates that TRRJX experiences smaller price fluctuations and is considered to be less risky than VFIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRRJX | VFIAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.87% | 5.35% | -0.48% |
Volatility (6M)Calculated over the trailing 6-month period | 8.45% | 9.53% | -1.08% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.57% | 18.32% | -4.75% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.81% | 16.91% | -4.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.52% | 18.05% | -4.53% |