VTHRX vs. VTTVX
VTHRX (Vanguard Target Retirement 2030 Fund) and VTTVX (Vanguard Target Retirement 2025 Fund) are both mutual funds - VTHRX is a Target Retirement Date fund managed by Vanguard, while VTTVX is a Diversified Portfolio fund managed by Vanguard. Over the past 10 years, VTHRX returned 8.89%/yr vs 7.98%/yr for VTTVX. With a 1.00 correlation, they move nearly in lockstep. Both charge a 0.08% expense ratio.
Performance
VTHRX vs. VTTVX - Performance Comparison
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Returns By Period
In the year-to-date period, VTHRX achieves a 6.52% return, which is significantly higher than VTTVX's 5.56% return. Over the past 10 years, VTHRX has outperformed VTTVX with an annualized return of 8.89%, while VTTVX has yielded a comparatively lower 7.98% annualized return.
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%
VTTVX
- 1D
- 1.40%
- 1M
- 0.05%
- YTD
- 5.56%
- 6M
- 6.18%
- 1Y
- 15.21%
- 3Y*
- 12.18%
- 5Y*
- 5.66%
- 10Y*
- 7.98%
VTHRX vs. VTTVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
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% |
VTTVX Vanguard Target Retirement 2025 Fund | 5.56% | 14.63% | 9.23% | 14.76% | -15.57% | 9.78% | 13.31% | 19.63% | -5.14% | 13.68% |
Correlation
The correlation between VTHRX and VTTVX is 1.00 - 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 | 1.00 |
Correlation (3Y) Calculated over the trailing 3-year period | 1.00 |
Correlation (5Y) Calculated over the trailing 5-year period | 1.00 |
Correlation (10Y) Calculated over the trailing 10-year period | 1.00 |
Correlation (All Time) Calculated using the full available price history since Jun 7, 2006 | 1.00 |
The correlation between VTHRX and VTTVX has been stable across timeframes, ranging from 1.00 to 1.00 - a consistent structural relationship.
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Return for Risk
VTHRX vs. VTTVX — Risk / Return Rank
VTHRX
VTTVX
VTHRX vs. VTTVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2030 Fund (VTHRX) and Vanguard Target Retirement 2025 Fund (VTTVX). 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.
| VTHRX | VTTVX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.05 | ||
| Sortino ratioReturn per unit of downside risk | -0.09 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.39 | -0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.60 | 2.66 | -0.06 |
| Martin ratioReturn relative to average drawdown | 11.15 | 11.38 | -0.23 |
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Drawdowns
VTHRX vs. VTTVX - Drawdown Comparison
The maximum VTHRX drawdown since its inception was -49.57%, which is greater than VTTVX's maximum drawdown of -46.03%. Use the drawdown chart below to compare losses from any high point for VTHRX and VTTVX.
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Drawdown Indicators
| VTHRX | VTTVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -49.57% | -46.03% | -3.54% |
Max Drawdown (1Y)Largest decline over 1 year | -6.56% | -5.57% | -0.99% |
Max Drawdown (3Y)Largest decline over 3 years | -9.64% | -7.84% | -1.80% |
Max Drawdown (5Y)Largest decline over 5 years | -22.75% | -21.52% | -1.23% |
Max Drawdown (10Y)Largest decline over 10 years | -24.86% | -22.51% | -2.35% |
Current DrawdownCurrent decline from peak | -1.42% | -1.17% | -0.25% |
Average DrawdownAverage peak-to-trough decline | -6.18% | -5.05% | -1.13% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.53% | 1.30% | +0.23% |
Volatility
VTHRX vs. VTTVX - Volatility Comparison
Vanguard Target Retirement 2030 Fund (VTHRX) has a higher volatility of 3.52% compared to Vanguard Target Retirement 2025 Fund (VTTVX) at 3.03%. This indicates that VTHRX's price experiences larger fluctuations and is considered to be riskier than VTTVX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTHRX | VTTVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.52% | 3.03% | +0.49% |
Volatility (6M)Calculated over the trailing 6-month period | 7.09% | 6.01% | +1.08% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.53% | 7.23% | +1.30% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.43% | 9.14% | +1.29% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.28% | 9.96% | +1.32% |
VTHRX vs. VTTVX - Expense Ratio Comparison
Both VTHRX and VTTVX have an expense ratio of 0.08%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Dividends
VTHRX vs. VTTVX - Dividend Comparison
VTHRX's dividend yield for the trailing twelve months is around 3.78%, less than VTTVX's 7.00% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
VTTVX Vanguard Target Retirement 2025 Fund | 7.00% | 7.38% | 7.63% | 3.96% | 2.96% | 16.28% | 4.35% | 2.57% | 3.14% | 0.47% | 2.68% | 4.98% |
Frequently Asked Questions
With a correlation of 1.00, VTHRX and VTTVX 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.
VTHRX has higher volatility (3.52%) compared to VTTVX (3.03%). In terms of maximum drawdown, VTHRX dropped -49.57% vs VTTVX's -46.03%.
VTTVX currently has the higher Sharpe Ratio (2.05 vs 2.00), 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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