TRRNX vs. VTI
TRRNX (T. Rowe Price Retirement 2055 Fund) and VTI (Vanguard Total Stock Market ETF) are both funds - TRRNX is a Target Retirement Date fund managed by T. Rowe Price, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Over the past 10 years, TRRNX returned 11.53%/yr vs 15.14%/yr for VTI. With a 0.96 correlation, they move nearly in lockstep. TRRNX charges 0.65%/yr vs 0.03%/yr for VTI.
Performance
TRRNX vs. VTI - Performance Comparison
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Returns By Period
In the year-to-date period, TRRNX achieves a 11.26% return, which is significantly higher than VTI's 8.82% return. Over the past 10 years, TRRNX has underperformed VTI with an annualized return of 11.53%, while VTI has yielded a comparatively higher 15.14% annualized return.
TRRNX
- 1D
- -0.08%
- 1M
- 1.24%
- YTD
- 11.26%
- 6M
- 10.53%
- 1Y
- 20.36%
- 3Y*
- 16.82%
- 5Y*
- 8.22%
- 10Y*
- 11.53%
VTI
- 1D
- -1.39%
- 1M
- -0.84%
- YTD
- 8.82%
- 6M
- 7.71%
- 1Y
- 24.22%
- 3Y*
- 20.62%
- 5Y*
- 11.90%
- 10Y*
- 15.14%
TRRNX vs. VTI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRRNX T. Rowe Price Retirement 2055 Fund | 11.26% | 14.33% | 14.24% | 20.88% | -19.17% | 17.42% | 18.54% | 25.40% | -7.70% | 20.78% |
VTI Vanguard Total Stock Market ETF | 8.82% | 17.10% | 23.81% | 26.05% | -19.52% | 25.68% | 21.08% | 30.67% | -5.23% | 21.21% |
Correlation
The correlation between TRRNX and VTI is 0.91, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.91 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.92 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.94 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.94 |
Correlation (All Time) Calculated using the full available price history since Jan 3, 2007 | 0.96 |
The correlation between TRRNX and VTI has been stable across timeframes, ranging from 0.91 to 0.96 - a consistent structural relationship.
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Return for Risk
TRRNX vs. VTI — Risk / Return Rank
TRRNX
VTI
TRRNX vs. VTI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2055 Fund (TRRNX) 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| TRRNX | VTI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.25 | ||
| Sortino ratioReturn per unit of downside risk | -0.29 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.34 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.21 | 2.73 | -0.52 |
| Martin ratioReturn relative to average drawdown | 9.09 | 12.14 | -3.05 |
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Drawdowns
TRRNX vs. VTI - Drawdown Comparison
The maximum TRRNX drawdown since its inception was -53.59%, roughly equal to the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for TRRNX and VTI.
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Drawdown Indicators
| TRRNX | VTI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -53.59% | -55.45% | +1.86% |
Max Drawdown (1Y)Largest decline over 1 year | -9.84% | -8.92% | -0.92% |
Max Drawdown (3Y)Largest decline over 3 years | -15.61% | -19.30% | +3.69% |
Max Drawdown (5Y)Largest decline over 5 years | -28.03% | -25.36% | -2.67% |
Max Drawdown (10Y)Largest decline over 10 years | -32.54% | -35.00% | +2.46% |
Current DrawdownCurrent decline from peak | -0.55% | -2.85% | +2.30% |
Average DrawdownAverage peak-to-trough decline | -7.56% | -8.01% | +0.45% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.37% | 2.00% | +0.37% |
Volatility
TRRNX vs. VTI - Volatility Comparison
T. Rowe Price Retirement 2055 Fund (TRRNX) and Vanguard Total Stock Market ETF (VTI) have volatilities of 4.80% and 4.95%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRRNX | VTI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.80% | 4.95% | -0.15% |
Volatility (6M)Calculated over the trailing 6-month period | 11.10% | 10.05% | +1.05% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.23% | 12.83% | +0.40% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.43% | 17.51% | -2.08% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.60% | 18.32% | -2.72% |
TRRNX vs. VTI - Expense Ratio Comparison
TRRNX has a 0.65% expense ratio, which is higher than VTI's 0.03% expense ratio.
Dividends
TRRNX vs. VTI - Dividend Comparison
TRRNX has not paid dividends to shareholders, while VTI's dividend yield for the trailing twelve months is around 1.04%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRRNX T. Rowe Price Retirement 2055 Fund | 0.00% | 0.00% | 1.77% | 3.81% | 7.01% | 5.83% | 3.40% | 5.41% | 7.55% | 2.12% | 2.62% | 3.50% |
VTI Vanguard Total Stock Market ETF | 1.04% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
Frequently Asked Questions
With a correlation of 0.91, TRRNX and VTI move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
VTI has higher volatility (4.95%) compared to TRRNX (4.80%). In terms of maximum drawdown, TRRNX dropped -53.59% vs VTI's -55.45%.
VTI currently has the higher Sharpe Ratio (1.90 vs 1.65), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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