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VTHRX vs. ISF.L
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VTHRX vs. ISF.L

Last updated Jun 14, 2026

VTHRX (Vanguard Target Retirement 2030 Fund) and ISF.L (iShares Core FTSE 100 UCITS ETF (Dist)) are both funds - VTHRX is a Target Retirement Date fund managed by Vanguard, while ISF.L is a Europe Equities fund tracking the FTSE AllSh TR GBP. Over the past 10 years, VTHRX returned 8.89%/yr vs 9.24%/yr for ISF.L. A 0.61 correlation means they provide meaningful diversification when combined. VTHRX charges 0.08%/yr vs 0.07%/yr for ISF.L.

Performance

VTHRX vs. ISF.L - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Target Retirement 2030 Fund (VTHRX) and iShares Core FTSE 100 UCITS ETF (Dist) (ISF.L). The values are adjusted to include any dividend payments, if applicable.

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Different Trading Currencies

VTHRX is traded in USD, while ISF.L is traded in GBp. To make them comparable, the ISF.L values have been converted to USD using the latest available exchange rates.

Returns By Period

The year-to-date returns for both investments are quite close, with VTHRX having a 6.52% return and ISF.L slightly higher at 6.58%. Both investments have delivered pretty close results over the past 10 years, with VTHRX having a 8.89% annualized return and ISF.L not far ahead at 9.24%.

VTHRX

1D
1.60%
1M
-0.02%
YTD
6.52%
6M
7.17%
1Y
17.56%
3Y*
13.65%
5Y*
6.55%
10Y*
8.89%

ISF.L

1D
1.33%
1M
0.88%
YTD
6.58%
6M
10.36%
1Y
20.20%
3Y*
17.57%
5Y*
10.72%
10Y*
9.24%
*Multi-year figures are annualized to reflect compound growth (CAGR)

VTHRX vs. ISF.L - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VTHRX
Vanguard Target Retirement 2030 Fund		6.52%16.25%10.43%16.24%-16.28%11.37%14.11%21.08%-5.85%15.24%
ISF.L
iShares Core FTSE 100 UCITS ETF (Dist)		6.58%35.47%7.46%13.50%-6.37%16.61%-8.97%21.81%-14.11%23.87%

Correlation

The correlation between VTHRX and ISF.L is 0.65, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.65

Correlation (3Y)
Calculated over the trailing 3-year period

0.59

Correlation (5Y)
Calculated over the trailing 5-year period

0.60

Correlation (10Y)
Calculated over the trailing 10-year period

0.59

Correlation (All Time)
Calculated using the full available price history since Jul 11, 2007

0.61

The correlation between VTHRX and ISF.L has been stable across timeframes, ranging from 0.59 to 0.65 - a consistent structural relationship.

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Vanguard Target Retirement 2030 Fund

iShares Core FTSE 100 UCITS ETF (Dist)

Often compared with VTHRX:
VTHRX vs. VTTHXVTHRX vs. FFFEXVTHRX vs. VOOVTHRX vs. VWELXVTHRX vs. SWDRXVTHRX vs. VTHRVTHRX vs. AAETX
Often compared with ISF.L:
ISF.L vs. VUKE.LISF.L vs. HUKX.LISF.L vs. UKDV.LISF.L vs. XDAX.LISF.L vs. VUSA.ASISF.L vs. VOOISF.L vs. FEUI.L

Return for Risk

VTHRX vs. ISF.L — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VTHRX
VTHRX Risk / Return Rank: 7373
Overall Rank
VTHRX Sharpe Ratio Rank: 7373
Sharpe Ratio Rank
VTHRX Sortino Ratio Rank: 7373
Sortino Ratio Rank
VTHRX Omega Ratio Rank: 7373
Omega Ratio Rank
VTHRX Calmar Ratio Rank: 6969
Calmar Ratio Rank
VTHRX Martin Ratio Rank: 7676
Martin Ratio Rank
ISF.L
ISF.L Risk / Return Rank: 6363
Overall Rank
ISF.L Sharpe Ratio Rank: 6969
Sharpe Ratio Rank
ISF.L Sortino Ratio Rank: 6969
Sortino Ratio Rank
ISF.L Omega Ratio Rank: 7171
Omega Ratio Rank
ISF.L Calmar Ratio Rank: 5555
Calmar Ratio Rank
ISF.L Martin Ratio Rank: 5252
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

VTHRX vs. ISF.L - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2030 Fund (VTHRX) and iShares Core FTSE 100 UCITS ETF (Dist) (ISF.L). 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.

VTHRXISF.LDifference
Sharpe ratioReturn per unit of total volatility
2.00
1.43

+0.57

Sortino ratioReturn per unit of downside risk
2.82
2.05

+0.77

Omega ratioGain probability vs. loss probability

1.38

1.26

+0.12

Calmar ratioReturn relative to maximum drawdown

2.60

1.97

+0.63

Martin ratioReturn relative to average drawdown

11.15

6.50

+4.65

VTHRX vs. ISF.L - Sharpe Ratio Comparison

The current VTHRX Sharpe Ratio is 2.00, which is higher than the ISF.L Sharpe Ratio of 1.43. The chart below compares the historical Sharpe Ratios of VTHRX and ISF.L, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Drawdowns

VTHRX vs. ISF.L - Drawdown Comparison

The maximum VTHRX drawdown since its inception was -49.57%, smaller than the maximum ISF.L drawdown of -63.42%. Use the drawdown chart below to compare losses from any high point for VTHRX and ISF.L.

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Drawdown Indicators

VTHRXISF.LDifference

Max Drawdown

Largest peak-to-trough decline

-49.57%

-63.42%

+13.85%

Max Drawdown (1Y)

Largest decline over 1 year

-6.56%

-9.76%

+3.20%

Max Drawdown (3Y)

Largest decline over 3 years

-9.64%

-13.32%

+3.68%

Max Drawdown (5Y)

Largest decline over 5 years

-22.75%

-25.73%

+2.98%

Max Drawdown (10Y)

Largest decline over 10 years

-24.86%

-41.74%

+16.88%

Current Drawdown

Current decline from peak

-1.42%

-3.67%

+2.25%

Average Drawdown

Average peak-to-trough decline

-6.18%

-14.51%

+8.33%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.53%

2.96%

-1.43%

Volatility

VTHRX vs. ISF.L - Volatility Comparison

The current volatility for Vanguard Target Retirement 2030 Fund (VTHRX) is 3.52%, while iShares Core FTSE 100 UCITS ETF (Dist) (ISF.L) has a volatility of 4.33%. This indicates that VTHRX experiences smaller price fluctuations and is considered to be less risky than ISF.L based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

VTHRXISF.LDifference

Volatility (1M)

Calculated over the trailing 1-month period

3.52%

4.33%

-0.81%

Volatility (6M)

Calculated over the trailing 6-month period

7.09%

11.31%

-4.22%

Volatility (1Y)

Calculated over the trailing 1-year period

8.53%

13.41%

-4.88%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

10.43%

16.38%

-5.95%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

11.28%

18.15%

-6.87%

VTHRX vs. ISF.L - Expense Ratio Comparison

VTHRX has a 0.08% expense ratio, which is higher than ISF.L's 0.07% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

VTHRX vs. ISF.L - Dividend Comparison

VTHRX's dividend yield for the trailing twelve months is around 3.78%, more than ISF.L's 1.71% yield.

PositionTTM20252024202320222021202020192018201720162015
ISF.L
iShares Core FTSE 100 UCITS ETF (Dist)		1.71%3.01%3.71%3.86%3.75%3.76%3.11%4.47%4.44%3.96%3.79%4.12%
VTHRX
Vanguard Target Retirement 2030 Fund		3.78%4.03%3.63%2.59%2.53%17.56%2.56%2.38%2.71%0.06%2.38%3.72%

Frequently Asked Questions

VTHRX and ISF.L have a correlation of 0.65, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

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