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. It was launched on Jul 30, 2008. VTHRX is managed by Vanguard. It was launched on Jun 7, 2006.
Performance
URTRX vs. VTHRX - Performance Comparison
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URTRX vs. VTHRX - 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% |
VTHRX Vanguard Target Retirement 2030 Fund | -1.04% | 16.25% | 10.43% | 16.24% | -16.28% | 11.37% | 14.11% | 21.08% | -5.85% | 15.24% |
Returns By Period
In the year-to-date period, URTRX achieves a 0.38% return, which is significantly higher than VTHRX's -1.04% return. Over the past 10 years, URTRX has underperformed VTHRX with an annualized return of 7.49%, while VTHRX has yielded a comparatively higher 8.19% 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%
VTHRX
- 1D
- 1.80%
- 1M
- -4.21%
- YTD
- -1.04%
- 6M
- 0.92%
- 1Y
- 14.44%
- 3Y*
- 11.80%
- 5Y*
- 5.88%
- 10Y*
- 8.19%
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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%.
Return for Risk
URTRX vs. VTHRX — Risk / Return Rank
URTRX
VTHRX
URTRX vs. VTHRX - Risk-Adjusted Trends 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.
| URTRX | VTHRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.58 | 1.46 | +0.12 |
Sortino ratioReturn per unit of downside risk | 2.25 | 2.09 | +0.15 |
Omega ratioGain probability vs. loss probability | 1.33 | 1.30 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 2.11 | 2.05 | +0.06 |
Martin ratioReturn relative to average drawdown | 9.81 | 8.88 | +0.93 |
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 | VTHRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.58 | 1.46 | +0.12 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.60 | 0.57 | +0.03 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | 0.73 | 0.00 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.58 | 0.47 | +0.10 |
Correlation
The correlation between URTRX and VTHRX is 0.97, 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. VTHRX - Dividend Comparison
URTRX's dividend yield for the trailing twelve months is around 6.75%, more than VTHRX's 4.07% 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% |
VTHRX Vanguard Target Retirement 2030 Fund | 4.07% | 4.03% | 3.63% | 2.59% | 2.53% | 17.56% | 2.56% | 2.38% | 2.71% | 0.06% | 2.38% | 3.72% |
Drawdowns
URTRX vs. VTHRX - Drawdown Comparison
The maximum URTRX drawdown since its inception was -34.10%, 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.
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Drawdown Indicators
| URTRX | VTHRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.10% | -49.57% | +15.47% |
Max Drawdown (1Y)Largest decline over 1 year | -6.63% | -7.25% | +0.62% |
Max Drawdown (5Y)Largest decline over 5 years | -19.52% | -22.75% | +3.23% |
Max Drawdown (10Y)Largest decline over 10 years | -23.56% | -24.86% | +1.30% |
Current DrawdownCurrent decline from peak | -3.84% | -4.88% | +1.04% |
Average DrawdownAverage peak-to-trough decline | -4.19% | -6.23% | +2.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.43% | 1.67% | -0.24% |
Volatility
URTRX vs. VTHRX - Volatility Comparison
The current volatility for USAA Target Retirement 2030 Fund (URTRX) is 3.55%, while Vanguard Target Retirement 2030 Fund (VTHRX) has a volatility of 4.07%. 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.
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Volatility by Period
| URTRX | VTHRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.55% | 4.07% | -0.52% |
Volatility (6M)Calculated over the trailing 6-month period | 5.46% | 6.19% | -0.73% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.89% | 10.19% | -1.30% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.67% | 10.33% | -0.66% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.33% | 11.24% | -0.91% |