URINX vs. FBND
Compare and contrast key facts about USAA Target Retirement Income Fund (URINX) and Fidelity Total Bond ETF (FBND).
URINX is managed by Victory. It was launched on Jul 30, 2008. FBND is an actively managed fund by Fidelity. It was launched on Oct 6, 2014.
Performance
URINX vs. FBND - Performance Comparison
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URINX vs. FBND - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
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% |
FBND Fidelity Total Bond ETF | 0.12% | 7.57% | 2.13% | 6.81% | -12.54% | -0.43% | 9.41% | 9.82% | -0.57% | 3.52% |
Returns By Period
In the year-to-date period, URINX achieves a 0.62% return, which is significantly higher than FBND's 0.12% return. Over the past 10 years, URINX has outperformed FBND with an annualized return of 5.47%, while FBND has yielded a comparatively lower 2.78% annualized return.
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%
FBND
- 1D
- -0.02%
- 1M
- -1.32%
- YTD
- 0.12%
- 6M
- 0.77%
- 1Y
- 4.53%
- 3Y*
- 4.42%
- 5Y*
- 1.01%
- 10Y*
- 2.78%
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URINX vs. FBND - Expense Ratio Comparison
URINX has a 0.04% expense ratio, which is lower than FBND's 0.36% expense ratio.
Return for Risk
URINX vs. FBND — Risk / Return Rank
URINX
FBND
URINX vs. FBND - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement Income Fund (URINX) and Fidelity Total Bond ETF (FBND). 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.
| URINX | FBND | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.83 | 1.03 | +0.81 |
Sortino ratioReturn per unit of downside risk | 2.62 | 1.44 | +1.18 |
Omega ratioGain probability vs. loss probability | 1.38 | 1.18 | +0.20 |
Calmar ratioReturn relative to maximum drawdown | 2.52 | 1.69 | +0.82 |
Martin ratioReturn relative to average drawdown | 10.91 | 5.25 | +5.66 |
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
| URINX | FBND | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.83 | 1.03 | +0.81 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.73 | 0.17 | +0.56 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.95 | 0.46 | +0.49 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.11 | 0.44 | +0.66 |
Correlation
The correlation between URINX and FBND is 0.38, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
URINX vs. FBND - Dividend Comparison
URINX's dividend yield for the trailing twelve months is around 6.08%, more than FBND's 4.73% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
FBND Fidelity Total Bond ETF | 4.73% | 4.70% | 4.73% | 4.26% | 3.07% | 1.86% | 4.25% | 2.90% | 2.93% | 2.56% | 2.84% | 3.26% |
Drawdowns
URINX vs. FBND - Drawdown Comparison
The maximum URINX drawdown since its inception was -15.27%, smaller than the maximum FBND drawdown of -17.25%. Use the drawdown chart below to compare losses from any high point for URINX and FBND.
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Drawdown Indicators
| URINX | FBND | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.27% | -17.25% | +1.98% |
Max Drawdown (1Y)Largest decline over 1 year | -4.41% | -2.79% | -1.62% |
Max Drawdown (5Y)Largest decline over 5 years | -15.27% | -17.25% | +1.98% |
Max Drawdown (10Y)Largest decline over 10 years | -15.27% | -17.25% | +1.98% |
Current DrawdownCurrent decline from peak | -2.81% | -1.80% | -1.01% |
Average DrawdownAverage peak-to-trough decline | -1.93% | -3.38% | +1.45% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.02% | 0.90% | +0.12% |
Volatility
URINX vs. FBND - Volatility Comparison
USAA Target Retirement Income Fund (URINX) has a higher volatility of 2.61% compared to Fidelity Total Bond ETF (FBND) at 1.66%. This indicates that URINX's price experiences larger fluctuations and is considered to be riskier than FBND based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| URINX | FBND | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.61% | 1.66% | +0.95% |
Volatility (6M)Calculated over the trailing 6-month period | 3.83% | 2.62% | +1.21% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.07% | 4.44% | +1.63% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.23% | 5.90% | +0.33% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.79% | 6.08% | -0.29% |