VSIPX vs. IRSOX
VSIPX (Voya Solution 2060 Portfolio) and IRSOX (Voya Target Retirement 2040 Fund) are both Target Retirement Date funds from Voya. Over the past 10 years, VSIPX returned 11.56%/yr vs 11.25%/yr for IRSOX. With a 0.99 correlation, they move nearly in lockstep. VSIPX charges 0.20%/yr vs 0.23%/yr for IRSOX.
Performance
VSIPX vs. IRSOX - Performance Comparison
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Returns By Period
In the year-to-date period, VSIPX achieves a 11.88% return, which is significantly higher than IRSOX's 11.15% return. Both investments have delivered pretty close results over the past 10 years, with VSIPX having a 11.56% annualized return and IRSOX not far behind at 11.25%.
VSIPX
- 1D
- 1.13%
- 1M
- 1.61%
- YTD
- 11.88%
- 6M
- 11.80%
- 1Y
- 27.37%
- 3Y*
- 18.33%
- 5Y*
- 10.06%
- 10Y*
- 11.56%
IRSOX
- 1D
- 1.00%
- 1M
- 1.72%
- YTD
- 11.15%
- 6M
- 11.03%
- 1Y
- 25.96%
- 3Y*
- 17.22%
- 5Y*
- 9.58%
- 10Y*
- 11.25%
VSIPX vs. IRSOX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VSIPX Voya Solution 2060 Portfolio | 11.88% | 20.11% | 15.30% | 20.97% | -19.37% | 17.48% | 16.17% | 24.71% | -10.34% | 22.15% |
IRSOX Voya Target Retirement 2040 Fund | 11.15% | 19.10% | 13.74% | 19.25% | -18.43% | 17.65% | 16.93% | 23.69% | -8.31% | 20.15% |
Correlation
The correlation between VSIPX and IRSOX is 0.99 - 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 | 0.99 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.99 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.99 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.99 |
Correlation (All Time) Calculated using the full available price history since Jan 4, 2016 | 0.99 |
The correlation between VSIPX and IRSOX has been stable across timeframes, ranging from 0.99 to 0.99 - a consistent structural relationship.
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Return for Risk
VSIPX vs. IRSOX — Risk / Return Rank
VSIPX
IRSOX
VSIPX vs. IRSOX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Voya Solution 2060 Portfolio (VSIPX) and Voya Target Retirement 2040 Fund (IRSOX). 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.
| VSIPX | IRSOX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.18 | ||
| Sortino ratioReturn per unit of downside risk | -0.31 | ||
| Omega ratioGain probability vs. loss probability | 1.42 | 1.46 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | 3.08 | 3.34 | -0.26 |
| Martin ratioReturn relative to average drawdown | 14.44 | 15.54 | -1.10 |
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Drawdowns
VSIPX vs. IRSOX - Drawdown Comparison
The maximum VSIPX drawdown since its inception was -34.55%, which is greater than IRSOX's maximum drawdown of -31.25%. Use the drawdown chart below to compare losses from any high point for VSIPX and IRSOX.
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Drawdown Indicators
| VSIPX | IRSOX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.55% | -31.25% | -3.30% |
Max Drawdown (1Y)Largest decline over 1 year | -9.57% | -8.38% | -1.19% |
Max Drawdown (3Y)Largest decline over 3 years | -15.98% | -13.84% | -2.14% |
Max Drawdown (5Y)Largest decline over 5 years | -27.05% | -25.24% | -1.81% |
Max Drawdown (10Y)Largest decline over 10 years | -34.55% | -31.25% | -3.30% |
Current DrawdownCurrent decline from peak | -0.79% | -0.46% | -0.33% |
Average DrawdownAverage peak-to-trough decline | -5.26% | -4.27% | -0.99% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.97% | 1.74% | +0.23% |
Volatility
VSIPX vs. IRSOX - Volatility Comparison
Voya Solution 2060 Portfolio (VSIPX) has a higher volatility of 5.00% compared to Voya Target Retirement 2040 Fund (IRSOX) at 4.38%. This indicates that VSIPX's price experiences larger fluctuations and is considered to be riskier than IRSOX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VSIPX | IRSOX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.00% | 4.38% | +0.62% |
Volatility (6M)Calculated over the trailing 6-month period | 10.62% | 9.34% | +1.28% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.94% | 11.38% | +1.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.56% | 13.96% | +1.60% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.60% | 14.84% | +1.76% |
VSIPX vs. IRSOX - Expense Ratio Comparison
VSIPX has a 0.20% expense ratio, which is lower than IRSOX's 0.23% 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
VSIPX vs. IRSOX - Dividend Comparison
VSIPX's dividend yield for the trailing twelve months is around 7.69%, less than IRSOX's 12.33% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IRSOX Voya Target Retirement 2040 Fund | 12.33% | 13.71% | 2.25% | 2.13% | 6.01% | 17.52% | 3.71% | 4.14% | 5.84% | 5.86% | 1.98% | 0.41% |
VSIPX Voya Solution 2060 Portfolio | 7.69% | 8.60% | 1.86% | 5.17% | 30.72% | 2.93% | 5.21% | 7.29% | 6.77% | 2.10% | 0.90% | 0.00% |
Frequently Asked Questions
With a correlation of 0.99, VSIPX and IRSOX 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.
VSIPX has higher volatility (5.00%) compared to IRSOX (4.38%). In terms of maximum drawdown, VSIPX dropped -34.55% vs IRSOX's -31.25%.
IRSOX currently has the higher Sharpe Ratio (2.46 vs 2.28), 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.
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