URINX vs. PRMYX
URINX (USAA Target Retirement Income Fund) and PRMYX (Putnam RetirementReady Maturity Fund) are both Target Retirement Date funds. Over the past 10 years, URINX returned 5.59%/yr vs 3.21%/yr for PRMYX. Their correlation of 0.81 means they have usually moved in the same direction. URINX charges 0.04%/yr vs 0.13%/yr for PRMYX.
Performance
URINX vs. PRMYX - Performance Comparison
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Returns By Period
In the year-to-date period, URINX achieves a 6.24% return, which is significantly higher than PRMYX's 2.35% return. Over the past 10 years, URINX has outperformed PRMYX with an annualized return of 5.59%, while PRMYX has yielded a comparatively lower 3.21% annualized return.
URINX
- 1D
- 0.34%
- 1M
- 0.42%
- 6M
- 4.40%
- YTD
- 6.24%
- 1Y
- 11.37%
- 3Y*
- 10.16%
- 5Y*
- 4.98%
- 10Y*
- 5.59%
- ALL TIME*
- 6.68%
PRMYX
- 1D
- 0.46%
- 1M
- -0.17%
- 6M
- 2.58%
- YTD
- 2.35%
- 1Y
- 5.80%
- 3Y*
- 7.70%
- 5Y*
- 4.03%
- 10Y*
- 3.21%
- ALL TIME*
- 3.28%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
URINX vs. PRMYX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
URINX USAA Target Retirement Income Fund | 6.24% | 12.36% | 6.66% | 10.79% | -10.38% | 6.47% | 8.74% | 11.72% | -3.00% | 8.34% |
PRMYX Putnam RetirementReady Maturity Fund | 2.35% | 8.38% | 6.31% | 9.82% | -4.22% | 0.02% | 1.29% | 8.54% | -5.19% | 5.10% |
Correlation
The correlation between URINX and PRMYX is 0.93, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.93 |
Correlation (3Y) Balances recent behavior with more history. | 0.91 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.87 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.81 |
Correlation (All Time) Calculated using the full available price history since Aug 3, 2012 | 0.81 |
The correlation between URINX and PRMYX shifts across timeframes, from 0.81 (10 years) to 0.93 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
URINX vs. PRMYX — Risk / Return Rank
URINX
PRMYX
URINX vs. PRMYX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement Income Fund (URINX) and Putnam RetirementReady Maturity Fund (PRMYX). 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.
| URINX | PRMYX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.86 | ||
| Sortino ratioReturn per unit of downside risk | +1.26 | ||
| Omega ratioGain probability vs. loss probability | 1.41 | 1.23 | +0.18 |
| Calmar ratioReturn relative to maximum drawdown | 3.07 | 1.77 | +1.29 |
| Martin ratioReturn relative to average drawdown | 12.91 | 7.13 | +5.78 |
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Drawdowns
URINX vs. PRMYX - Drawdown Comparison
The maximum URINX drawdown since its inception was -15.27%, which is greater than PRMYX's maximum drawdown of -9.74%. Use the drawdown chart below to compare losses from any high point for URINX and PRMYX.
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Drawdown Indicators
| URINX | PRMYX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.27% | -9.74% | -5.53% |
Max Drawdown (1Y)Largest decline over 1 year | -3.92% | -3.50% | -0.42% |
Max Drawdown (3Y)Largest decline over 3 years | -4.84% | -7.35% | +2.51% |
Max Drawdown (5Y)Largest decline over 5 years | -15.27% | -9.24% | -6.03% |
Max Drawdown (10Y)Largest decline over 10 years | -15.27% | -9.74% | -5.53% |
Current DrawdownCurrent decline from peak | -0.04% | -0.57% | +0.53% |
Average DrawdownAverage peak-to-trough decline | -1.90% | -1.68% | -0.22% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.93% | 0.87% | +0.06% |
Volatility
URINX vs. PRMYX - Volatility Comparison
The current volatility for USAA Target Retirement Income Fund (URINX) is 1.41%, while Putnam RetirementReady Maturity Fund (PRMYX) has a volatility of 1.55%. This indicates that URINX experiences smaller price fluctuations and is considered to be less risky than PRMYX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| URINX | PRMYX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.41% | 1.55% | -0.14% |
Volatility (6M)Calculated over the trailing 6-month period | 4.80% | 3.93% | +0.87% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.64% | 4.87% | +0.77% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.37% | 5.26% | +1.11% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.87% | 4.51% | +1.36% |
URINX vs. PRMYX - Expense Ratio Comparison
URINX has a 0.04% expense ratio, which is lower than PRMYX's 0.13% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
URINX vs. PRMYX - Dividend Comparison
URINX's dividend yield for the trailing twelve months is around 5.80%, more than PRMYX's 3.41% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PRMYX Putnam RetirementReady Maturity Fund | 3.41% | 3.30% | 3.15% | 3.62% | 7.46% | 2.47% | 2.17% | 2.97% | 1.73% | 0.55% | 1.53% | 3.90% |
URINX USAA Target Retirement Income Fund | 5.80% | 6.07% | 4.22% | 3.48% | 6.63% | 6.66% | 3.97% | 6.37% | 6.11% | 5.68% | 3.34% | 4.54% |
Frequently Asked Questions
With a correlation of 0.93, URINX and PRMYX 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.
PRMYX has higher volatility (1.55%) compared to URINX (1.41%). In terms of maximum drawdown, URINX dropped -15.27% vs PRMYX's -9.74%.
URINX currently has the higher Sharpe Ratio (2.14 vs 1.28), 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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