VTIVX vs. VTTSX
Compare and contrast key facts about Vanguard Target Retirement 2045 Fund (VTIVX) and Vanguard Target Retirement 2060 Fund (VTTSX).
VTIVX is managed by Vanguard. It was launched on Oct 27, 2003. VTTSX is managed by Vanguard. It was launched on Jan 19, 2012.
Performance
VTIVX vs. VTTSX - Performance Comparison
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VTIVX vs. VTTSX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTIVX Vanguard Target Retirement 2045 Fund | -1.30% | 20.01% | 13.68% | 19.72% | -17.38% | 16.16% | 16.31% | 24.94% | -7.89% | 19.16% |
VTTSX Vanguard Target Retirement 2060 Fund | -1.44% | 21.43% | 14.61% | 20.19% | -17.48% | 16.45% | 16.33% | 26.18% | -8.78% | 21.40% |
Returns By Period
In the year-to-date period, VTIVX achieves a -1.30% return, which is significantly higher than VTTSX's -1.44% return. Both investments have delivered pretty close results over the past 10 years, with VTIVX having a 10.30% annualized return and VTTSX not far ahead at 10.77%.
VTIVX
- 1D
- 2.42%
- 1M
- -5.17%
- YTD
- -1.30%
- 6M
- 1.14%
- 1Y
- 18.53%
- 3Y*
- 14.82%
- 5Y*
- 7.92%
- 10Y*
- 10.30%
VTTSX
- 1D
- 2.63%
- 1M
- -5.56%
- YTD
- -1.44%
- 6M
- 1.16%
- 1Y
- 19.93%
- 3Y*
- 15.63%
- 5Y*
- 8.42%
- 10Y*
- 10.77%
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VTIVX vs. VTTSX - Expense Ratio Comparison
Both VTIVX and VTTSX 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%.
Return for Risk
VTIVX vs. VTTSX — Risk / Return Rank
VTIVX
VTTSX
VTIVX vs. VTTSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2045 Fund (VTIVX) and Vanguard Target Retirement 2060 Fund (VTTSX). 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.
| VTIVX | VTTSX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.38 | 1.36 | +0.02 |
Sortino ratioReturn per unit of downside risk | 1.99 | 1.96 | +0.03 |
Omega ratioGain probability vs. loss probability | 1.29 | 1.29 | 0.00 |
Calmar ratioReturn relative to maximum drawdown | 1.94 | 1.93 | +0.01 |
Martin ratioReturn relative to average drawdown | 8.78 | 8.76 | +0.02 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| VTIVX | VTTSX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.38 | 1.36 | +0.02 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.59 | 0.60 | -0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.70 | 0.72 | -0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.52 | 0.73 | -0.21 |
Correlation
The correlation between VTIVX and VTTSX is 0.99, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
VTIVX vs. VTTSX - Dividend Comparison
VTIVX's dividend yield for the trailing twelve months is around 2.53%, more than VTTSX's 2.09% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTIVX Vanguard Target Retirement 2045 Fund | 2.53% | 2.50% | 2.36% | 2.27% | 2.75% | 15.40% | 1.90% | 2.23% | 2.52% | 0.04% | 2.47% | 3.29% |
VTTSX Vanguard Target Retirement 2060 Fund | 2.09% | 2.06% | 2.20% | 2.14% | 2.09% | 5.67% | 1.83% | 2.11% | 2.33% | 1.77% | 1.98% | 1.92% |
Drawdowns
VTIVX vs. VTTSX - Drawdown Comparison
The maximum VTIVX drawdown since its inception was -51.69%, which is greater than VTTSX's maximum drawdown of -31.38%. Use the drawdown chart below to compare losses from any high point for VTIVX and VTTSX.
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Drawdown Indicators
| VTIVX | VTTSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.69% | -31.38% | -20.31% |
Max Drawdown (1Y)Largest decline over 1 year | -9.73% | -10.52% | +0.79% |
Max Drawdown (5Y)Largest decline over 5 years | -25.10% | -25.40% | +0.30% |
Max Drawdown (10Y)Largest decline over 10 years | -31.42% | -31.38% | -0.04% |
Current DrawdownCurrent decline from peak | -6.08% | -6.53% | +0.45% |
Average DrawdownAverage peak-to-trough decline | -6.37% | -4.07% | -2.30% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.16% | 2.32% | -0.16% |
Volatility
VTIVX vs. VTTSX - Volatility Comparison
The current volatility for Vanguard Target Retirement 2045 Fund (VTIVX) is 5.17%, while Vanguard Target Retirement 2060 Fund (VTTSX) has a volatility of 5.62%. This indicates that VTIVX experiences smaller price fluctuations and is considered to be less risky than VTTSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTIVX | VTTSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.17% | 5.62% | -0.45% |
Volatility (6M)Calculated over the trailing 6-month period | 8.20% | 8.97% | -0.77% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.73% | 15.00% | -1.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.45% | 14.12% | -0.67% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.76% | 15.06% | -0.30% |