URSIX vs. ^GSPC
URSIX (USAA Target Retirement 2060 Fund) is Target Retirement Date fund managed by Victory, while ^GSPC (S&P 500 Index) is an index. Over the past 10 years, URSIX returned 10.88%/yr vs 13.71%/yr for ^GSPC. Their correlation of 0.93 suggests significant overlap in exposure.
Performance
URSIX vs. ^GSPC - Performance Comparison
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Returns By Period
In the year-to-date period, URSIX achieves a 13.35% return, which is significantly higher than ^GSPC's 7.60% return. Over the past 10 years, URSIX has underperformed ^GSPC with an annualized return of 10.88%, while ^GSPC has yielded a comparatively higher 13.71% annualized return.
URSIX
- 1D
- 0.17%
- 1M
- 2.71%
- YTD
- 13.35%
- 6M
- 12.49%
- 1Y
- 26.99%
- 3Y*
- 18.75%
- 5Y*
- 9.98%
- 10Y*
- 10.88%
^GSPC
- 1D
- -1.44%
- 1M
- -1.45%
- YTD
- 7.60%
- 6M
- 6.59%
- 1Y
- 22.24%
- 3Y*
- 19.20%
- 5Y*
- 11.54%
- 10Y*
- 13.71%
URSIX vs. ^GSPC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
URSIX USAA Target Retirement 2060 Fund | 13.35% | 19.62% | 13.05% | 18.22% | -15.78% | 17.70% | 10.17% | 20.09% | -9.17% | 19.52% |
^GSPC S&P 500 Index | 7.60% | 16.39% | 23.31% | 24.23% | -19.44% | 26.89% | 16.26% | 28.88% | -6.24% | 19.42% |
Correlation
The correlation between URSIX and ^GSPC is 0.93, 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 | 0.93 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.92 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.93 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.93 |
Correlation (All Time) Calculated using the full available price history since Jul 22, 2013 | 0.93 |
The correlation between URSIX and ^GSPC has been stable across timeframes, ranging from 0.92 to 0.93 - a consistent structural relationship.
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Return for Risk
URSIX vs. ^GSPC — Risk / Return Rank
URSIX
^GSPC
URSIX vs. ^GSPC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement 2060 Fund (URSIX) and S&P 500 Index (^GSPC). 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.
| URSIX | ^GSPC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.52 | ||
| Sortino ratioReturn per unit of downside risk | +0.76 | ||
| Omega ratioGain probability vs. loss probability | 1.42 | 1.32 | +0.10 |
| Calmar ratioReturn relative to maximum drawdown | 3.37 | 2.46 | +0.92 |
| Martin ratioReturn relative to average drawdown | 14.58 | 10.92 | +3.66 |
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Drawdowns
URSIX vs. ^GSPC - Drawdown Comparison
The maximum URSIX drawdown since its inception was -30.33%, smaller than the maximum ^GSPC drawdown of -56.78%. Use the drawdown chart below to compare losses from any high point for URSIX and ^GSPC.
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Drawdown Indicators
| URSIX | ^GSPC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -30.33% | -56.78% | +26.45% |
Max Drawdown (1Y)Largest decline over 1 year | -8.32% | -9.10% | +0.78% |
Max Drawdown (3Y)Largest decline over 3 years | -14.35% | -18.90% | +4.55% |
Max Drawdown (5Y)Largest decline over 5 years | -23.85% | -25.43% | +1.58% |
Max Drawdown (10Y)Largest decline over 10 years | -30.33% | -33.92% | +3.59% |
Current DrawdownCurrent decline from peak | -0.39% | -3.21% | +2.82% |
Average DrawdownAverage peak-to-trough decline | -4.43% | -10.71% | +6.28% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.92% | 2.04% | -0.12% |
Volatility
URSIX vs. ^GSPC - Volatility Comparison
USAA Target Retirement 2060 Fund (URSIX) and S&P 500 Index (^GSPC) have volatilities of 4.89% and 4.89%, 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
| URSIX | ^GSPC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.89% | 4.89% | 0.00% |
Volatility (6M)Calculated over the trailing 6-month period | 10.09% | 9.93% | +0.16% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.22% | 12.57% | -0.35% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.21% | 17.00% | -2.79% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.58% | 18.08% | -3.50% |
Frequently Asked Questions
With a correlation of 0.93, URSIX and ^GSPC 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.
^GSPC has higher volatility (4.89%) compared to URSIX (4.89%). In terms of maximum drawdown, URSIX dropped -30.33% vs ^GSPC's -56.78%.
URSIX currently has the higher Sharpe Ratio (2.30 vs 1.78), 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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