TRRLX vs. VTINX
Compare and contrast key facts about T. Rowe Price Retirement 2060 Fund (TRRLX) and Vanguard Target Retirement Income Fund (VTINX).
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. VTINX is managed by Vanguard. It was launched on Oct 27, 2003.
Performance
TRRLX vs. VTINX - Performance Comparison
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TRRLX vs. VTINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRRLX T. Rowe Price Retirement 2060 Fund | -3.74% | 14.54% | 14.22% | 20.87% | -19.22% | 17.50% | 18.46% | 25.39% | -7.62% | 20.79% |
VTINX Vanguard Target Retirement Income Fund | -0.46% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
Returns By Period
In the year-to-date period, TRRLX achieves a -3.74% return, which is significantly lower than VTINX's -0.46% return. Over the past 10 years, TRRLX has outperformed VTINX with an annualized return of 9.79%, while VTINX has yielded a comparatively lower 4.94% annualized return.
TRRLX
- 1D
- -0.33%
- 1M
- -9.46%
- YTD
- -3.74%
- 6M
- -4.69%
- 1Y
- 10.12%
- 3Y*
- 12.70%
- 5Y*
- 6.39%
- 10Y*
- 9.79%
VTINX
- 1D
- 0.96%
- 1M
- -2.70%
- YTD
- -0.46%
- 6M
- 0.80%
- 1Y
- 9.06%
- 3Y*
- 7.86%
- 5Y*
- 3.59%
- 10Y*
- 4.94%
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TRRLX vs. VTINX - Expense Ratio Comparison
TRRLX has a 0.64% expense ratio, which is higher than VTINX's 0.08% expense ratio.
Return for Risk
TRRLX vs. VTINX — Risk / Return Rank
TRRLX
VTINX
TRRLX vs. VTINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2060 Fund (TRRLX) and Vanguard Target Retirement Income Fund (VTINX). 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 | VTINX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.63 | 1.67 | -1.04 |
Sortino ratioReturn per unit of downside risk | 0.99 | 2.39 | -1.40 |
Omega ratioGain probability vs. loss probability | 1.15 | 1.34 | -0.19 |
Calmar ratioReturn relative to maximum drawdown | 0.68 | 2.29 | -1.60 |
Martin ratioReturn relative to average drawdown | 3.08 | 9.59 | -6.51 |
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 | VTINX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.63 | 1.67 | -1.04 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.43 | 0.60 | -0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.87 | -0.23 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.55 | 0.90 | -0.35 |
Correlation
The correlation between TRRLX and VTINX is 0.84, 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. VTINX - Dividend Comparison
TRRLX has not paid dividends to shareholders, while VTINX's dividend yield for the trailing twelve months is around 5.05%.
| 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% |
VTINX Vanguard Target Retirement Income Fund | 5.05% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
Drawdowns
TRRLX vs. VTINX - Drawdown Comparison
The maximum TRRLX drawdown since its inception was -32.52%, which is greater than VTINX's maximum drawdown of -19.96%. Use the drawdown chart below to compare losses from any high point for TRRLX and VTINX.
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Drawdown Indicators
| TRRLX | VTINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.52% | -19.96% | -12.56% |
Max Drawdown (1Y)Largest decline over 1 year | -11.71% | -4.14% | -7.57% |
Max Drawdown (5Y)Largest decline over 5 years | -28.09% | -17.02% | -11.07% |
Max Drawdown (10Y)Largest decline over 10 years | -32.52% | -17.02% | -15.50% |
Current DrawdownCurrent decline from peak | -9.82% | -3.04% | -6.78% |
Average DrawdownAverage peak-to-trough decline | -5.23% | -2.21% | -3.02% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.92% | 0.99% | +1.93% |
Volatility
TRRLX vs. VTINX - Volatility Comparison
T. Rowe Price Retirement 2060 Fund (TRRLX) has a higher volatility of 5.10% compared to Vanguard Target Retirement Income Fund (VTINX) at 2.50%. This indicates that TRRLX's price experiences larger fluctuations and is considered to be riskier than VTINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRRLX | VTINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.10% | 2.50% | +2.60% |
Volatility (6M)Calculated over the trailing 6-month period | 9.57% | 3.59% | +5.98% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.53% | 5.60% | +10.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.17% | 6.01% | +9.16% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.45% | 5.69% | +9.76% |