USIN vs. ZROZ
USIN (WisdomTree 7-10 Year Laddered Treasury Fund) and ZROZ (PIMCO 25+ Year Zero Coupon US Treasury Index Fund) are both Government Bonds funds - USIN tracks the Bloomberg US Treasury 7-10 Year Laddered Index while ZROZ tracks the ICE BofA Long U.S. Treasury Principal STRIPS Index. Both are passively managed. Over the past year, USIN returned 3.02% vs 3.19% for ZROZ. Their correlation of 0.86 suggests significant overlap in exposure. Both charge a 0.15% expense ratio.
Performance
USIN vs. ZROZ - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, USIN achieves a -0.54% return, which is significantly lower than ZROZ's 1.19% return.
USIN
- 1D
- 0.12%
- 1M
- 0.61%
- YTD
- -0.54%
- 6M
- -0.47%
- 1Y
- 3.02%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
ZROZ
- 1D
- 0.22%
- 1M
- 4.56%
- YTD
- 1.19%
- 6M
- 0.40%
- 1Y
- 3.19%
- 3Y*
- -7.49%
- 5Y*
- -11.95%
- 10Y*
- -4.16%
USIN vs. ZROZ - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | |
|---|---|---|---|
USIN WisdomTree 7-10 Year Laddered Treasury Fund | -0.54% | 7.97% | 1.28% |
ZROZ PIMCO 25+ Year Zero Coupon US Treasury Index Fund | 1.19% | -1.84% | -9.31% |
Correlation
The correlation between USIN and ZROZ is 0.82, 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 | 0.82 |
Correlation (All Time) Calculated using the full available price history since Mar 14, 2024 | 0.86 |
The correlation between USIN and ZROZ has been stable across timeframes, ranging from 0.82 to 0.86 - a consistent structural relationship.
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
USIN vs. ZROZ — Risk / Return Rank
USIN
ZROZ
USIN vs. ZROZ - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for WisdomTree 7-10 Year Laddered Treasury Fund (USIN) and PIMCO 25+ Year Zero Coupon US Treasury Index Fund (ZROZ). 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.
| USIN | ZROZ | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.45 | ||
| Sortino ratioReturn per unit of downside risk | +0.57 | ||
| Omega ratioGain probability vs. loss probability | 1.11 | 1.04 | +0.07 |
| Calmar ratioReturn relative to maximum drawdown | 0.74 | 0.23 | +0.51 |
| Martin ratioReturn relative to average drawdown | 2.01 | 0.50 | +1.51 |
Loading charts...
Drawdowns
USIN vs. ZROZ - Drawdown Comparison
The maximum USIN drawdown since its inception was -6.88%, smaller than the maximum ZROZ drawdown of -62.93%. Use the drawdown chart below to compare losses from any high point for USIN and ZROZ.
Loading charts...
Drawdown Indicators
| USIN | ZROZ | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -6.88% | -62.93% | +56.05% |
Max Drawdown (1Y)Largest decline over 1 year | -4.09% | -14.02% | +9.93% |
Max Drawdown (3Y)Largest decline over 3 years | — | -28.62% | — |
Max Drawdown (5Y)Largest decline over 5 years | — | -57.98% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -62.93% | — |
Current DrawdownCurrent decline from peak | -2.69% | -59.02% | +56.33% |
Average DrawdownAverage peak-to-trough decline | -1.88% | -24.15% | +22.27% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.51% | 6.40% | -4.89% |
Volatility
USIN vs. ZROZ - Volatility Comparison
The current volatility for WisdomTree 7-10 Year Laddered Treasury Fund (USIN) is 1.34%, while PIMCO 25+ Year Zero Coupon US Treasury Index Fund (ZROZ) has a volatility of 3.56%. This indicates that USIN experiences smaller price fluctuations and is considered to be less risky than ZROZ based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| USIN | ZROZ | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.34% | 3.56% | -2.22% |
Volatility (6M)Calculated over the trailing 6-month period | 3.43% | 10.75% | -7.32% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.67% | 15.73% | -11.06% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.84% | 23.83% | -17.99% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.84% | 22.03% | -16.19% |
USIN vs. ZROZ - Expense Ratio Comparison
Both USIN and ZROZ have an expense ratio of 0.15%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Dividends
USIN vs. ZROZ - Dividend Comparison
USIN's dividend yield for the trailing twelve months is around 3.97%, less than ZROZ's 5.03% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USIN WisdomTree 7-10 Year Laddered Treasury Fund | 3.97% | 3.85% | 3.25% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
ZROZ PIMCO 25+ Year Zero Coupon US Treasury Index Fund | 5.03% | 4.96% | 4.58% | 3.52% | 2.76% | 1.60% | 1.68% | 2.22% | 2.06% | 2.53% | 3.00% | 2.98% |
Frequently Asked Questions
USIN and ZROZ have a correlation of 0.82, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ZROZ has higher volatility (3.56%) compared to USIN (1.34%). In terms of maximum drawdown, USIN dropped -6.88% vs ZROZ's -62.93%.
On 1-year performance, ZROZ leads with 3.19% vs 3.02% for USIN. Both ETFs have the same 0.15% expense ratio. On volatility, USIN has been the lower-risk option at 1.34%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 1-year period, ZROZ has performed better with a 3.19% return vs 3.02%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
USIN and ZROZ have the same expense ratio: 0.15% per year.
ZROZ has the higher dividend yield at 5.03%, compared with 3.97% for USIN.
USIN tracks Bloomberg US Treasury 7-10 Year Laddered Index, while ZROZ tracks ICE BofA Long U.S. Treasury Principal STRIPS Index. They also come from different issuers: WisdomTree and PIMCO.
USIN currently has the higher Sharpe Ratio (0.65 vs 0.20), 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.
Find the right allocation for USIN and ZROZ
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer