TRRLX vs. URINX
Compare and contrast key facts about T. Rowe Price Retirement 2060 Fund (TRRLX) and USAA Target Retirement Income Fund (URINX).
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. URINX is managed by Victory. It was launched on Jul 30, 2008.
Performance
TRRLX vs. URINX - Performance Comparison
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TRRLX vs. URINX - 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% |
URINX USAA Target Retirement Income Fund | 0.62% | 12.36% | 6.66% | 10.79% | -10.38% | 6.47% | 8.74% | 11.72% | -3.00% | 8.34% |
Returns By Period
In the year-to-date period, TRRLX achieves a -1.05% return, which is significantly lower than URINX's 0.62% return. Over the past 10 years, TRRLX has outperformed URINX with an annualized return of 10.09%, while URINX has yielded a comparatively lower 5.47% 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%
URINX
- 1D
- 1.07%
- 1M
- -2.47%
- YTD
- 0.62%
- 6M
- 2.27%
- 1Y
- 10.88%
- 3Y*
- 8.94%
- 5Y*
- 4.52%
- 10Y*
- 5.47%
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TRRLX vs. URINX - Expense Ratio Comparison
TRRLX has a 0.64% expense ratio, which is higher than URINX's 0.04% expense ratio.
Return for Risk
TRRLX vs. URINX — Risk / Return Rank
TRRLX
URINX
TRRLX vs. URINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2060 Fund (TRRLX) and USAA Target Retirement Income Fund (URINX). 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 | URINX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.82 | 1.83 | -1.02 |
Sortino ratioReturn per unit of downside risk | 1.24 | 2.62 | -1.37 |
Omega ratioGain probability vs. loss probability | 1.18 | 1.38 | -0.19 |
Calmar ratioReturn relative to maximum drawdown | 0.85 | 2.52 | -1.67 |
Martin ratioReturn relative to average drawdown | 3.78 | 10.91 | -7.13 |
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 | URINX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.82 | 1.83 | -1.02 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.44 | 0.73 | -0.28 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.66 | 0.95 | -0.29 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.56 | 1.11 | -0.54 |
Correlation
The correlation between TRRLX and URINX is 0.88, 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. URINX - Dividend Comparison
TRRLX has not paid dividends to shareholders, while URINX's dividend yield for the trailing twelve months is around 6.08%.
| 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% |
URINX USAA Target Retirement Income Fund | 6.08% | 6.07% | 4.22% | 3.48% | 6.63% | 6.66% | 3.97% | 6.37% | 6.11% | 5.68% | 3.34% | 4.54% |
Drawdowns
TRRLX vs. URINX - Drawdown Comparison
The maximum TRRLX drawdown since its inception was -32.52%, which is greater than URINX's maximum drawdown of -15.27%. Use the drawdown chart below to compare losses from any high point for TRRLX and URINX.
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Drawdown Indicators
| TRRLX | URINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.52% | -15.27% | -17.25% |
Max Drawdown (1Y)Largest decline over 1 year | -11.71% | -4.41% | -7.30% |
Max Drawdown (5Y)Largest decline over 5 years | -28.09% | -15.27% | -12.82% |
Max Drawdown (10Y)Largest decline over 10 years | -32.52% | -15.27% | -17.25% |
Current DrawdownCurrent decline from peak | -7.30% | -2.81% | -4.49% |
Average DrawdownAverage peak-to-trough decline | -5.23% | -1.93% | -3.30% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.96% | 1.02% | +1.94% |
Volatility
TRRLX vs. URINX - Volatility Comparison
T. Rowe Price Retirement 2060 Fund (TRRLX) has a higher volatility of 6.03% compared to USAA Target Retirement Income Fund (URINX) at 2.61%. This indicates that TRRLX's price experiences larger fluctuations and is considered to be riskier than URINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRRLX | URINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.03% | 2.61% | +3.42% |
Volatility (6M)Calculated over the trailing 6-month period | 9.97% | 3.83% | +6.14% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.73% | 6.07% | +10.66% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.22% | 6.23% | +8.99% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.47% | 5.79% | +9.68% |