VT vs. TRRCX
VT (Vanguard Total World Stock ETF) and TRRCX (T. Rowe Price Retirement 2030 Fund) are both funds - VT is a Global Equities fund tracking the FTSE Global All Cap Index, while TRRCX is a Target Retirement Date fund managed by T. Rowe Price. Over the past 10 years, VT returned 12.93%/yr vs 8.81%/yr for TRRCX. With a 0.96 correlation, they move nearly in lockstep. VT charges 0.06%/yr vs 0.59%/yr for TRRCX.
Performance
VT vs. TRRCX - Performance Comparison
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Returns By Period
In the year-to-date period, VT achieves a 11.06% return, which is significantly higher than TRRCX's 6.49% return. Over the past 10 years, VT has outperformed TRRCX with an annualized return of 12.93%, while TRRCX has yielded a comparatively lower 8.81% annualized return.
VT
- 1D
- 0.44%
- 1M
- 0.57%
- YTD
- 11.06%
- 6M
- 11.82%
- 1Y
- 25.83%
- 3Y*
- 19.71%
- 5Y*
- 10.65%
- 10Y*
- 12.93%
TRRCX
- 1D
- 1.51%
- 1M
- -0.00%
- YTD
- 6.49%
- 6M
- 1.20%
- 1Y
- 9.28%
- 3Y*
- 11.17%
- 5Y*
- 5.03%
- 10Y*
- 8.81%
VT vs. TRRCX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VT Vanguard Total World Stock ETF | 11.06% | 22.43% | 16.49% | 22.02% | -18.00% | 18.27% | 16.59% | 26.81% | -9.76% | 24.50% |
TRRCX T. Rowe Price Retirement 2030 Fund | 6.49% | 8.23% | 10.73% | 16.36% | -16.89% | 13.70% | 15.90% | 22.50% | -6.36% | 19.46% |
Correlation
The correlation between VT and TRRCX is 0.94, 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 | 0.94 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.94 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.95 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.96 |
Correlation (All Time) Calculated using the full available price history since Jun 26, 2008 | 0.96 |
The correlation between VT and TRRCX has been stable across timeframes, ranging from 0.94 to 0.96 - a consistent structural relationship.
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Return for Risk
VT vs. TRRCX — Risk / Return Rank
VT
TRRCX
VT vs. TRRCX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Total World Stock ETF (VT) and T. Rowe Price Retirement 2030 Fund (TRRCX). 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.
| VT | TRRCX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.94 | ||
| Sortino ratioReturn per unit of downside risk | +1.34 | ||
| Omega ratioGain probability vs. loss probability | 1.35 | 1.21 | +0.15 |
| Calmar ratioReturn relative to maximum drawdown | 2.68 | 1.25 | +1.43 |
| Martin ratioReturn relative to average drawdown | 11.67 | 4.13 | +7.54 |
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Drawdowns
VT vs. TRRCX - Drawdown Comparison
The maximum VT drawdown since its inception was -50.27%, roughly equal to the maximum TRRCX drawdown of -52.28%. Use the drawdown chart below to compare losses from any high point for VT and TRRCX.
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Drawdown Indicators
| VT | TRRCX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -50.27% | -52.28% | +2.01% |
Max Drawdown (1Y)Largest decline over 1 year | -9.67% | -7.93% | -1.74% |
Max Drawdown (3Y)Largest decline over 3 years | -16.51% | -10.46% | -6.05% |
Max Drawdown (5Y)Largest decline over 5 years | -26.38% | -24.07% | -2.31% |
Max Drawdown (10Y)Largest decline over 10 years | -34.24% | -28.55% | -5.69% |
Current DrawdownCurrent decline from peak | -1.92% | -1.34% | -0.58% |
Average DrawdownAverage peak-to-trough decline | -7.01% | -6.07% | -0.94% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.22% | 2.37% | -0.15% |
Volatility
VT vs. TRRCX - Volatility Comparison
Vanguard Total World Stock ETF (VT) has a higher volatility of 5.26% compared to T. Rowe Price Retirement 2030 Fund (TRRCX) at 3.44%. This indicates that VT's price experiences larger fluctuations and is considered to be riskier than TRRCX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VT | TRRCX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.26% | 3.44% | +1.82% |
Volatility (6M)Calculated over the trailing 6-month period | 11.01% | 8.65% | +2.36% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.38% | 9.93% | +3.45% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.15% | 11.40% | +4.75% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 17.27% | 12.26% | +5.01% |
VT vs. TRRCX - Expense Ratio Comparison
VT has a 0.06% expense ratio, which is lower than TRRCX's 0.59% expense ratio.
Dividends
VT vs. TRRCX - Dividend Comparison
VT's dividend yield for the trailing twelve months is around 1.61%, while TRRCX has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRRCX T. Rowe Price Retirement 2030 Fund | 0.00% | 0.00% | 3.38% | 6.16% | 12.05% | 9.43% | 5.45% | 5.44% | 8.83% | 3.82% | 2.66% | 3.76% |
VT Vanguard Total World Stock ETF | 1.61% | 1.82% | 1.95% | 2.08% | 2.20% | 1.82% | 1.66% | 2.32% | 2.53% | 2.11% | 2.39% | 2.45% |
Frequently Asked Questions
With a correlation of 0.94, VT and TRRCX 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.
VT has higher volatility (5.26%) compared to TRRCX (3.44%). In terms of maximum drawdown, VT dropped -50.27% vs TRRCX's -52.28%.
VT currently has the higher Sharpe Ratio (1.94 vs 1.00), 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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