TRRJX vs. VTI
Compare and contrast key facts about T. Rowe Price Retirement 2035 Fund (TRRJX) and Vanguard Total Stock Market ETF (VTI).
TRRJX is managed by T. Rowe Price. It was launched on Feb 27, 2004. VTI is a passively managed fund by Vanguard that tracks the performance of the CRSP US Total Market Index. It was launched on May 24, 2001.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: TRRJX or VTI.
Key characteristics
| TRRJX | VTI | |
|---|---|---|
| YTD Return | 13.14% | 21.95% |
| 1Y Return | 27.67% | 40.49% |
| 3Y Return (Ann) | 3.21% | 8.18% |
| 5Y Return (Ann) | 9.10% | 14.77% |
| 10Y Return (Ann) | 8.30% | 12.63% |
| Sharpe Ratio | 2.97 | 3.34 |
| Sortino Ratio | 4.22 | 4.42 |
| Omega Ratio | 1.56 | 1.62 |
| Calmar Ratio | 1.77 | 3.31 |
| Martin Ratio | 20.18 | 21.57 |
| Ulcer Index | 1.39% | 1.92% |
| Daily Std Dev | 9.45% | 12.38% |
| Max Drawdown | -53.57% | -55.45% |
| Current Drawdown | -1.31% | -0.87% |
Correlation
The correlation between TRRJX and VTI is 0.96, 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.
Performance
TRRJX vs. VTI - Performance Comparison
In the year-to-date period, TRRJX achieves a 13.14% return, which is significantly lower than VTI's 21.95% return. Over the past 10 years, TRRJX has underperformed VTI with an annualized return of 8.30%, while VTI has yielded a comparatively higher 12.63% annualized return. The chart below displays the growth of a $10,000 investment in both assets, with all prices adjusted for splits and dividends.
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TRRJX vs. VTI - Expense Ratio Comparison
TRRJX has a 0.59% expense ratio, which is higher than VTI's 0.03% expense ratio.
Risk-Adjusted Performance
TRRJX vs. VTI - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2035 Fund (TRRJX) and Vanguard Total Stock Market ETF (VTI). 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.
Dividends
TRRJX vs. VTI - Dividend Comparison
TRRJX's dividend yield for the trailing twelve months is around 4.14%, more than VTI's 1.30% yield.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRRJX T. Rowe Price Retirement 2035 Fund | 4.14% | 4.68% | 9.67% | 6.89% | 4.80% | 5.68% | 8.55% | 3.80% | 4.36% | 5.57% | 3.66% | 2.58% |
VTI Vanguard Total Stock Market ETF | 1.30% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% | 1.74% |
Drawdowns
TRRJX vs. VTI - Drawdown Comparison
The maximum TRRJX drawdown since its inception was -53.57%, roughly equal to the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for TRRJX and VTI. For additional features, visit the drawdowns tool.
Volatility
TRRJX vs. VTI - Volatility Comparison
The current volatility for T. Rowe Price Retirement 2035 Fund (TRRJX) is 1.86%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 2.55%. This indicates that TRRJX experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.