URINX vs. ITOT
Compare and contrast key facts about USAA Target Retirement Income Fund (URINX) and iShares Core S&P Total U.S. Stock Market ETF (ITOT).
URINX is managed by Victory Capital. It was launched on Jul 30, 2008. ITOT is a passively managed fund by iShares that tracks the performance of the S&P Composite 1500 Index. It was launched on Jan 20, 2004.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: URINX or ITOT.
Key characteristics
URINX | ITOT | |
---|---|---|
YTD Return | 8.06% | 17.60% |
1Y Return | 14.03% | 27.57% |
3Y Return (Ann) | 2.74% | 8.23% |
5Y Return (Ann) | 4.95% | 14.48% |
10Y Return (Ann) | 4.22% | 12.37% |
Sharpe Ratio | 2.55 | 2.09 |
Daily Std Dev | 5.47% | 13.06% |
Max Drawdown | -15.27% | -55.21% |
Current Drawdown | -0.18% | -0.71% |
Correlation
The correlation between URINX and ITOT is 0.85, 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.
Performance
URINX vs. ITOT - Performance Comparison
In the year-to-date period, URINX achieves a 8.06% return, which is significantly lower than ITOT's 17.60% return. Over the past 10 years, URINX has underperformed ITOT with an annualized return of 4.22%, while ITOT has yielded a comparatively higher 12.37% annualized return. The chart below displays the growth of a $10,000 investment in both assets, with all prices adjusted for splits and dividends.
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URINX vs. ITOT - Expense Ratio Comparison
URINX has a 0.04% expense ratio, which is higher than ITOT's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Risk-Adjusted Performance
URINX vs. ITOT - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement Income Fund (URINX) and iShares Core S&P Total U.S. Stock Market ETF (ITOT). 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.
Dividends
URINX vs. ITOT - Dividend Comparison
URINX's dividend yield for the trailing twelve months is around 4.07%, more than ITOT's 1.27% yield.
TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
USAA Target Retirement Income Fund | 3.36% | 3.48% | 6.63% | 6.66% | 3.97% | 6.37% | 6.11% | 5.68% | 3.34% | 4.54% | 3.52% | 2.48% |
iShares Core S&P Total U.S. Stock Market ETF | 1.27% | 1.47% | 1.66% | 1.18% | 1.41% | 1.88% | 2.14% | 1.69% | 1.83% | 2.01% | 2.20% | 2.06% |
Drawdowns
URINX vs. ITOT - Drawdown Comparison
The maximum URINX drawdown since its inception was -15.27%, smaller than the maximum ITOT drawdown of -55.21%. Use the drawdown chart below to compare losses from any high point for URINX and ITOT. For additional features, visit the drawdowns tool.
Volatility
URINX vs. ITOT - Volatility Comparison
The current volatility for USAA Target Retirement Income Fund (URINX) is 1.19%, while iShares Core S&P Total U.S. Stock Market ETF (ITOT) has a volatility of 3.99%. This indicates that URINX experiences smaller price fluctuations and is considered to be less risky than ITOT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.