VTIUX vs. VOOG

Last updated Jun 4, 2026

VTIUX (Voya Target Retirement 2065 Fund) and VOOG (Vanguard S&P 500 Growth ETF) are both funds - VTIUX is a Target Retirement Date fund managed by Voya, while VOOG is a S&P 500 fund tracking the S&P 500 Growth Index. Over the past 5 years, VTIUX returned 8.56%/yr vs 16.03%/yr for VOOG. Their correlation of 0.87 suggests significant overlap in exposure. VTIUX charges 0.23%/yr vs 0.07%/yr for VOOG.

Performance

VTIUX vs. VOOG - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Voya Target Retirement 2065 Fund (VTIUX) and Vanguard S&P 500 Growth ETF (VOOG). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both investments are quite close, with VTIUX having a 13.57% return and VOOG slightly higher at 13.78%.

VTIUX

• 1D: 0.42%
• 1M: 5.92%
• YTD: 13.57%
• 6M: 14.50%
• 1Y: 30.43%
• 3Y*: 20.62%
• 5Y*: 8.56%
• 10Y*: —

VOOG

• 1D: -0.93%
• 1M: 7.44%
• YTD: 13.78%
• 6M: 13.58%
• 1Y: 34.04%
• 3Y*: 28.13%
• 5Y*: 16.03%
• 10Y*: 18.15%

*Multi-year figures are annualized to reflect compound growth (CAGR)

VTIUX vs. VOOG - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
VTIUX Voya Target Retirement 2065 Fund	13.57%	21.00%	15.64%	20.89%	-18.91%	7.64%	17.84%
VOOG Vanguard S&P 500 Growth ETF	13.78%	22.11%	35.89%	29.96%	-29.48%	31.95%	17.36%

Correlation

The correlation between VTIUX and VOOG is 0.80, 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	0.80
Correlation (3Y) Calculated over the trailing 3-year period	0.83
Correlation (5Y) Calculated over the trailing 5-year period	0.87
Correlation (All Time) Calculated using the full available price history since Jul 30, 2020	0.87

The correlation between VTIUX and VOOG has been stable across timeframes, ranging from 0.80 to 0.87 - a consistent structural relationship.

Return for Risk

VTIUX vs. VOOG — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

VTIUX

VTIUX Risk / Return Rank: 82
VTIUX Sharpe Ratio Rank: 84
VTIUX Sortino Ratio Rank: 82
VTIUX Omega Ratio Rank: 77
VTIUX Calmar Ratio Rank: 78
VTIUX Martin Ratio Rank: 88

VOOG

VOOG Risk / Return Rank: 58
VOOG Sharpe Ratio Rank: 63
VOOG Sortino Ratio Rank: 61
VOOG Omega Ratio Rank: 59
VOOG Calmar Ratio Rank: 50
VOOG Martin Ratio Rank: 58

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.

VTIUX vs. VOOG - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Voya Target Retirement 2065 Fund (VTIUX) and Vanguard S&P 500 Growth ETF (VOOG). 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.

	VTIUX	VOOG	Difference
Sharpe ratio: Return per unit of total volatility	2.74	2.16	+0.58
Sortino ratio: Return per unit of downside risk	3.89	2.91	+0.98
Omega ratio: Gain probability vs. loss probability	1.50	1.37	+0.13
Calmar ratio: Return relative to maximum drawdown	3.55	2.49	+1.06
Martin ratio: Return relative to average drawdown	17.15	10.32	+6.84
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

VTIUX vs. VOOG - Sharpe Ratio Comparison

The current VTIUX Sharpe Ratio is 2.74, which is comparable to the VOOG Sharpe Ratio of 2.16. The chart below compares the historical Sharpe Ratios of VTIUX and VOOG, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	VTIUX	VOOG	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.74	2.16	+0.58
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.54	0.76	-0.22
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.88	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.79	0.91	-0.12

Drawdowns

VTIUX vs. VOOG - Drawdown Comparison

The maximum VTIUX drawdown since its inception was -33.42%, roughly equal to the maximum VOOG drawdown of -32.73%. Use the drawdown chart below to compare losses from any high point for VTIUX and VOOG.

Drawdown Indicators

	VTIUX	VOOG	Difference
Max Drawdown Largest peak-to-trough decline	-33.42%	-32.73%	-0.69%
Max Drawdown (1Y) Largest decline over 1 year	-9.54%	-13.71%	+4.17%
Max Drawdown (3Y) Largest decline over 3 years	-16.10%	-22.18%	+6.08%
Max Drawdown (5Y) Largest decline over 5 years	-33.42%	-32.73%	-0.69%
Max Drawdown (10Y) Largest decline over 10 years	—	-32.73%	—
Current Drawdown Current decline from peak	0.00%	-1.08%	+1.08%
Average Drawdown Average peak-to-trough decline	-9.06%	-4.97%	-4.09%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.91%	3.31%	-1.40%

Volatility

VTIUX vs. VOOG - Volatility Comparison

The current volatility for Voya Target Retirement 2065 Fund (VTIUX) is 3.66%, while Vanguard S&P 500 Growth ETF (VOOG) has a volatility of 4.32%. This indicates that VTIUX experiences smaller price fluctuations and is considered to be less risky than VOOG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	VTIUX	VOOG	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.66%	4.32%	-0.66%
Volatility (6M) Calculated over the trailing 6-month period	10.15%	12.41%	-2.26%
Volatility (1Y) Calculated over the trailing 1-year period	12.39%	15.85%	-3.46%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	16.19%	21.19%	-5.00%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	15.97%	20.73%	-4.76%

VTIUX vs. VOOG - Expense Ratio Comparison

VTIUX has a 0.23% expense ratio, which is higher than VOOG'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

VTIUX vs. VOOG - Dividend Comparison

VTIUX's dividend yield for the trailing twelve months is around 12.99%, more than VOOG's 0.44% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
VOOG Vanguard S&P 500 Growth ETF	0.44%	0.49%	0.49%	1.12%	0.93%	0.53%	0.88%	1.26%	1.34%	1.32%	1.47%	1.56%
VTIUX Voya Target Retirement 2065 Fund	12.99%	14.75%	3.18%	1.82%	5.43%	8.07%	1.41%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both VTIUX and VOOG in my portfolio?

VTIUX and VOOG have a correlation of 0.80, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, VTIUX or VOOG?

VOOG has higher volatility (4.32%) compared to VTIUX (3.66%). In terms of maximum drawdown, VTIUX dropped -33.42% vs VOOG's -32.73%.

Which has better risk-adjusted returns?

VTIUX currently has the higher Sharpe Ratio (2.74 vs 2.16), 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.