URTRX vs. ITDC

Last updated Jun 26, 2026

URTRX (USAA Target Retirement 2030 Fund) and ITDC (Ishares Lifepath Target Date 2035 ETF) are both Target Retirement Date funds. Over the past year, URTRX returned 15.77% vs 17.13% for ITDC. With a 0.95 correlation, they move nearly in lockstep. URTRX charges 0.03%/yr vs 0.10%/yr for ITDC.

Performance

URTRX vs. ITDC - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in USAA Target Retirement 2030 Fund (URTRX) and Ishares Lifepath Target Date 2035 ETF (ITDC). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both stocks are quite close, with URTRX having a 7.33% return and ITDC slightly lower at 7.27%.

URTRX

• 1D: 0.07%
• 1M: 0.07%
• YTD: 7.33%
• 6M: 6.77%
• 1Y: 15.77%
• 3Y*: 12.69%
• 5Y*: 6.29%
• 10Y*: 8.17%

ITDC

• 1D: 0.35%
• 1M: -0.32%
• YTD: 7.27%
• 6M: 6.49%
• 1Y: 17.13%
• 3Y*: —
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

URTRX vs. ITDC - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023
URTRX USAA Target Retirement 2030 Fund	7.33%	14.78%	8.09%	9.30%
ITDC Ishares Lifepath Target Date 2035 ETF	7.27%	16.10%	11.41%	12.40%

Correlation

The correlation between URTRX and ITDC is 0.97 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.97
Correlation (All Time) Calculated using the full available price history since Oct 19, 2023	0.95

The correlation between URTRX and ITDC has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.

Return for Risk

URTRX vs. ITDC — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

URTRX

URTRX Risk / Return Rank: 74
URTRX Sharpe Ratio Rank: 71
URTRX Sortino Ratio Rank: 72
URTRX Omega Ratio Rank: 71
URTRX Calmar Ratio Rank: 75
URTRX Martin Ratio Rank: 80

ITDC

ITDC Risk / Return Rank: 67
ITDC Sharpe Ratio Rank: 68
ITDC Sortino Ratio Rank: 67
ITDC Omega Ratio Rank: 69
ITDC Calmar Ratio Rank: 61
ITDC Martin Ratio Rank: 70

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

URTRX vs. ITDC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement 2030 Fund (URTRX) and Ishares Lifepath Target Date 2035 ETF (ITDC). 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.

	URTRX	ITDC	Difference
Sharpe ratio: Return per unit of total volatility	2.04	1.91	+0.13
Sortino ratio: Return per unit of downside risk	2.92	2.69	+0.23
Omega ratio: Gain probability vs. loss probability	1.39	1.36	+0.03
Calmar ratio: Return relative to maximum drawdown	2.96	2.59	+0.37
Martin ratio: Return relative to average drawdown	12.55	11.28	+1.27

URTRX vs. ITDC - Sharpe Ratio Comparison

The current URTRX Sharpe Ratio is 2.04, which is comparable to the ITDC Sharpe Ratio of 1.91. The chart below compares the historical Sharpe Ratios of URTRX and ITDC, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

URTRX vs. ITDC - Drawdown Comparison

The maximum URTRX drawdown since its inception was -34.10%, which is greater than ITDC's maximum drawdown of -10.39%. Use the drawdown chart below to compare losses from any high point for URTRX and ITDC.

Drawdown Indicators

	URTRX	ITDC	Difference
Max Drawdown Largest peak-to-trough decline	-34.10%	-10.39%	-23.71%
Max Drawdown (1Y) Largest decline over 1 year	-5.29%	-6.63%	+1.34%
Max Drawdown (3Y) Largest decline over 3 years	-9.12%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-19.52%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-23.56%	—	—
Current Drawdown Current decline from peak	-1.18%	-1.03%	-0.15%
Average Drawdown Average peak-to-trough decline	-4.14%	-1.08%	-3.06%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.25%	1.52%	-0.27%

Volatility

URTRX vs. ITDC - Volatility Comparison

USAA Target Retirement 2030 Fund (URTRX) and Ishares Lifepath Target Date 2035 ETF (ITDC) have volatilities of 3.32% and 3.42%, 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.

Volatility by Period

	URTRX	ITDC	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.32%	3.42%	-0.10%
Volatility (6M) Calculated over the trailing 6-month period	6.48%	7.53%	-1.05%
Volatility (1Y) Calculated over the trailing 1-year period	7.69%	9.00%	-1.31%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	9.76%	10.13%	-0.37%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	10.33%	10.13%	+0.20%

URTRX vs. ITDC - Expense Ratio Comparison

URTRX has a 0.03% expense ratio, which is lower than ITDC's 0.10% 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

URTRX vs. ITDC - Dividend Comparison

URTRX's dividend yield for the trailing twelve months is around 6.32%, more than ITDC's 1.89% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ITDC Ishares Lifepath Target Date 2035 ETF	1.89%	2.02%	1.93%	0.84%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
URTRX USAA Target Retirement 2030 Fund	6.32%	6.78%	3.16%	4.24%	9.53%	7.66%	4.53%	11.43%	8.54%	8.10%	4.06%	2.80%

Frequently Asked Questions

Can I hold both URTRX and ITDC in my portfolio?

With a correlation of 0.97, URTRX and ITDC 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.

Which is riskier, URTRX or ITDC?

ITDC has higher volatility (3.42%) compared to URTRX (3.32%). In terms of maximum drawdown, URTRX dropped -34.10% vs ITDC's -10.39%.

Which has better risk-adjusted returns?

URTRX currently has the higher Sharpe Ratio (2.04 vs 1.91), 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.