URTRX vs. VTHRX
Compare and contrast key facts about USAA Target Retirement 2030 Fund (URTRX) and Vanguard Target Retirement 2030 Fund (VTHRX).
URTRX is managed by Victory Capital. It was launched on Jul 30, 2008. VTHRX is managed by Vanguard. It was launched on Jun 7, 2006.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: URTRX or VTHRX.
Key characteristics
| URTRX | VTHRX | |
|---|---|---|
| YTD Return | 10.30% | 10.66% |
| 1Y Return | 17.11% | 18.20% |
| 3Y Return (Ann) | 3.81% | 3.17% |
| 5Y Return (Ann) | 6.88% | 7.64% |
| 10Y Return (Ann) | 5.87% | 7.01% |
| Sharpe Ratio | 2.13 | 1.93 |
| Daily Std Dev | 7.73% | 9.09% |
| Max Drawdown | -31.18% | -49.57% |
| Current Drawdown | 0.00% | 0.00% |
Correlation
The correlation between URTRX and VTHRX is 0.98, 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
URTRX vs. VTHRX - Performance Comparison
The year-to-date returns for both investments are quite close, with URTRX having a 10.30% return and VTHRX slightly higher at 10.66%. Over the past 10 years, URTRX has underperformed VTHRX with an annualized return of 5.87%, while VTHRX has yielded a comparatively higher 7.01% 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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URTRX vs. VTHRX - Expense Ratio Comparison
URTRX has a 0.03% expense ratio, which is lower than VTHRX's 0.08% 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%.
Risk-Adjusted Performance
URTRX vs. VTHRX - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement 2030 Fund (URTRX) and Vanguard Target Retirement 2030 Fund (VTHRX). 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
URTRX vs. VTHRX - Dividend Comparison
URTRX's dividend yield for the trailing twelve months is around 3.85%, more than VTHRX's 2.34% yield.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
URTRX USAA Target Retirement 2030 Fund | 3.85% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% | 4.10% | 4.15% |
VTHRX Vanguard Target Retirement 2030 Fund | 2.34% | 2.59% | 2.53% | 17.56% | 2.56% | 2.38% | 2.71% | 2.05% | 2.38% | 3.72% | 2.02% | 1.91% |
Drawdowns
URTRX vs. VTHRX - Drawdown Comparison
The maximum URTRX drawdown since its inception was -31.18%, smaller than the maximum VTHRX drawdown of -49.57%. Use the drawdown chart below to compare losses from any high point for URTRX and VTHRX. For additional features, visit the drawdowns tool.
Volatility
URTRX vs. VTHRX - Volatility Comparison
The current volatility for USAA Target Retirement 2030 Fund (URTRX) is 2.19%, while Vanguard Target Retirement 2030 Fund (VTHRX) has a volatility of 2.56%. This indicates that URTRX experiences smaller price fluctuations and is considered to be less risky than VTHRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.