URTRX vs. VOO
Compare and contrast key facts about USAA Target Retirement 2030 Fund (URTRX) and Vanguard S&P 500 ETF (VOO).
URTRX is managed by Victory. It was launched on Jul 30, 2008. VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.
Performance
URTRX vs. VOO - Performance Comparison
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URTRX vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
URTRX USAA Target Retirement 2030 Fund | 0.38% | 14.78% | 8.09% | 13.98% | -13.23% | 12.23% | 9.25% | 17.13% | -6.98% | 16.14% |
VOO Vanguard S&P 500 ETF | -3.66% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Returns By Period
In the year-to-date period, URTRX achieves a 0.38% return, which is significantly higher than VOO's -3.66% return. Over the past 10 years, URTRX has underperformed VOO with an annualized return of 7.49%, while VOO has yielded a comparatively higher 14.14% annualized return.
URTRX
- 1D
- 1.53%
- 1M
- -3.35%
- YTD
- 0.38%
- 6M
- 2.33%
- 1Y
- 13.74%
- 3Y*
- 10.83%
- 5Y*
- 5.75%
- 10Y*
- 7.49%
VOO
- 1D
- 0.79%
- 1M
- -4.29%
- YTD
- -3.66%
- 6M
- -1.41%
- 1Y
- 18.17%
- 3Y*
- 18.58%
- 5Y*
- 11.93%
- 10Y*
- 14.14%
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URTRX vs. VOO - Expense Ratio Comparison
Both URTRX and VOO have an expense ratio of 0.03%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Return for Risk
URTRX vs. VOO — Risk / Return Rank
URTRX
VOO
URTRX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement 2030 Fund (URTRX) and Vanguard S&P 500 ETF (VOO). 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.
| URTRX | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.58 | 1.01 | +0.58 |
Sortino ratioReturn per unit of downside risk | 2.25 | 1.53 | +0.71 |
Omega ratioGain probability vs. loss probability | 1.33 | 1.23 | +0.10 |
Calmar ratioReturn relative to maximum drawdown | 2.11 | 1.55 | +0.56 |
Martin ratioReturn relative to average drawdown | 9.81 | 7.31 | +2.50 |
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
| URTRX | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.58 | 1.01 | +0.58 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.60 | 0.71 | -0.12 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | 0.79 | -0.06 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.58 | 0.83 | -0.26 |
Correlation
The correlation between URTRX and VOO is 0.92, 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.
Dividends
URTRX vs. VOO - Dividend Comparison
URTRX's dividend yield for the trailing twelve months is around 6.75%, more than VOO's 1.18% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
URTRX USAA Target Retirement 2030 Fund | 6.75% | 6.78% | 3.16% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% |
VOO Vanguard S&P 500 ETF | 1.18% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Drawdowns
URTRX vs. VOO - Drawdown Comparison
The maximum URTRX drawdown since its inception was -34.10%, roughly equal to the maximum VOO drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for URTRX and VOO.
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Drawdown Indicators
| URTRX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.10% | -33.99% | -0.11% |
Max Drawdown (1Y)Largest decline over 1 year | -6.63% | -11.98% | +5.35% |
Max Drawdown (5Y)Largest decline over 5 years | -19.52% | -24.52% | +5.00% |
Max Drawdown (10Y)Largest decline over 10 years | -23.56% | -33.99% | +10.43% |
Current DrawdownCurrent decline from peak | -3.84% | -5.55% | +1.71% |
Average DrawdownAverage peak-to-trough decline | -4.19% | -3.72% | -0.47% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.43% | 2.55% | -1.12% |
Volatility
URTRX vs. VOO - Volatility Comparison
The current volatility for USAA Target Retirement 2030 Fund (URTRX) is 3.55%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.34%. This indicates that URTRX experiences smaller price fluctuations and is considered to be less risky than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| URTRX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.55% | 5.34% | -1.79% |
Volatility (6M)Calculated over the trailing 6-month period | 5.46% | 9.47% | -4.01% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.89% | 18.11% | -9.22% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.67% | 16.82% | -7.15% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.33% | 17.99% | -7.66% |