TRRLX vs. TDIFX
Compare and contrast key facts about T. Rowe Price Retirement 2060 Fund (TRRLX) and Dimensional Retirement Income Fund (TDIFX).
TRRLX is a passively managed fund by T. Rowe Price that tracks the performance of the S&P Target Date 2060 Index. It was launched on Jun 23, 2014. TDIFX is managed by Dimensional. It was launched on Nov 1, 2015.
Performance
TRRLX vs. TDIFX - Performance Comparison
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TRRLX vs. TDIFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRRLX T. Rowe Price Retirement 2060 Fund | -1.05% | 14.54% | 14.22% | 20.87% | -19.22% | 17.50% | 18.46% | 25.39% | -7.62% | 20.79% |
TDIFX Dimensional Retirement Income Fund | 0.21% | 7.22% | 6.21% | 7.76% | -9.37% | 14.53% | 9.33% | 9.96% | -1.98% | 5.17% |
Returns By Period
In the year-to-date period, TRRLX achieves a -1.05% return, which is significantly lower than TDIFX's 0.21% return. Over the past 10 years, TRRLX has outperformed TDIFX with an annualized return of 10.09%, while TDIFX has yielded a comparatively lower 4.81% annualized return.
TRRLX
- 1D
- 2.79%
- 1M
- -6.56%
- YTD
- -1.05%
- 6M
- -2.29%
- 1Y
- 12.85%
- 3Y*
- 13.74%
- 5Y*
- 6.69%
- 10Y*
- 10.09%
TDIFX
- 1D
- 0.59%
- 1M
- -1.59%
- YTD
- 0.21%
- 6M
- 0.88%
- 1Y
- 5.68%
- 3Y*
- 5.90%
- 5Y*
- 4.81%
- 10Y*
- 4.81%
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TRRLX vs. TDIFX - Expense Ratio Comparison
TRRLX has a 0.64% expense ratio, which is higher than TDIFX's 0.06% expense ratio.
Return for Risk
TRRLX vs. TDIFX — Risk / Return Rank
TRRLX
TDIFX
TRRLX vs. TDIFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2060 Fund (TRRLX) and Dimensional Retirement Income Fund (TDIFX). 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.
| TRRLX | TDIFX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.82 | 1.47 | -0.66 |
Sortino ratioReturn per unit of downside risk | 1.24 | 2.07 | -0.83 |
Omega ratioGain probability vs. loss probability | 1.18 | 1.31 | -0.12 |
Calmar ratioReturn relative to maximum drawdown | 0.85 | 1.47 | -0.62 |
Martin ratioReturn relative to average drawdown | 3.78 | 6.12 | -2.34 |
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
| TRRLX | TDIFX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.82 | 1.47 | -0.66 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.44 | 0.84 | -0.39 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.66 | 0.96 | -0.31 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.56 | 1.00 | -0.44 |
Correlation
The correlation between TRRLX and TDIFX is 0.72, 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
TRRLX vs. TDIFX - Dividend Comparison
TRRLX has not paid dividends to shareholders, while TDIFX's dividend yield for the trailing twelve months is around 2.06%.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRRLX T. Rowe Price Retirement 2060 Fund | 0.00% | 0.00% | 1.74% | 3.29% | 5.75% | 4.19% | 2.38% | 4.33% | 5.39% | 1.58% | 1.58% | 0.83% |
TDIFX Dimensional Retirement Income Fund | 2.06% | 1.77% | 3.11% | 3.09% | 4.66% | 9.39% | 1.39% | 1.98% | 2.11% | 0.98% | 0.89% | 0.00% |
Drawdowns
TRRLX vs. TDIFX - Drawdown Comparison
The maximum TRRLX drawdown since its inception was -32.52%, which is greater than TDIFX's maximum drawdown of -12.21%. Use the drawdown chart below to compare losses from any high point for TRRLX and TDIFX.
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Drawdown Indicators
| TRRLX | TDIFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.52% | -12.21% | -20.31% |
Max Drawdown (1Y)Largest decline over 1 year | -11.71% | -2.84% | -8.87% |
Max Drawdown (5Y)Largest decline over 5 years | -28.09% | -12.21% | -15.88% |
Max Drawdown (10Y)Largest decline over 10 years | -32.52% | -12.21% | -20.31% |
Current DrawdownCurrent decline from peak | -7.30% | -1.83% | -5.47% |
Average DrawdownAverage peak-to-trough decline | -5.23% | -1.77% | -3.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.96% | 0.84% | +2.12% |
Volatility
TRRLX vs. TDIFX - Volatility Comparison
T. Rowe Price Retirement 2060 Fund (TRRLX) has a higher volatility of 6.03% compared to Dimensional Retirement Income Fund (TDIFX) at 1.51%. This indicates that TRRLX's price experiences larger fluctuations and is considered to be riskier than TDIFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRRLX | TDIFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.03% | 1.51% | +4.52% |
Volatility (6M)Calculated over the trailing 6-month period | 9.97% | 2.32% | +7.65% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.73% | 4.34% | +12.39% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.22% | 5.89% | +9.33% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.47% | 5.05% | +10.42% |