VTSMX vs. IRSVX
VTSMX (Vanguard Total Stock Market Index Fund Investor Shares) and IRSVX (Voya Target Retirement 2055 Fund) are both mutual funds - VTSMX is a Large Cap Blend Equities fund managed by Vanguard, while IRSVX is a Target Retirement Date fund managed by Voya. Over the past 10 years, VTSMX returned 14.94%/yr vs 12.11%/yr for IRSVX. With a 0.96 correlation, they move nearly in lockstep. VTSMX charges 0.14%/yr vs 0.24%/yr for IRSVX.
Performance
VTSMX vs. IRSVX - Performance Comparison
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Returns By Period
In the year-to-date period, VTSMX achieves a 11.96% return, which is significantly lower than IRSVX's 13.47% return. Over the past 10 years, VTSMX has outperformed IRSVX with an annualized return of 14.94%, while IRSVX has yielded a comparatively lower 12.11% annualized return.
VTSMX
- 1D
- 0.24%
- 1M
- 5.75%
- YTD
- 11.96%
- 6M
- 11.85%
- 1Y
- 29.00%
- 3Y*
- 21.99%
- 5Y*
- 12.80%
- 10Y*
- 14.94%
IRSVX
- 1D
- 0.40%
- 1M
- 5.83%
- YTD
- 13.47%
- 6M
- 14.34%
- 1Y
- 30.16%
- 3Y*
- 20.40%
- 5Y*
- 10.65%
- 10Y*
- 12.11%
VTSMX vs. IRSVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTSMX Vanguard Total Stock Market Index Fund Investor Shares | 11.96% | 16.63% | 22.76% | 26.38% | -19.60% | 25.59% | 20.87% | 30.63% | -5.27% | 21.05% |
IRSVX Voya Target Retirement 2055 Fund | 13.47% | 20.81% | 15.47% | 20.55% | -18.81% | 18.89% | 17.53% | 25.28% | -9.29% | 21.17% |
Correlation
The correlation between VTSMX and IRSVX is 0.88, 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 | 0.88 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.93 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.95 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.95 |
Correlation (All Time) Calculated using the full available price history since Dec 26, 2012 | 0.96 |
The correlation between VTSMX and IRSVX has been stable across timeframes, ranging from 0.88 to 0.96 - a consistent structural relationship.
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Return for Risk
VTSMX vs. IRSVX — Risk / Return Rank
VTSMX
IRSVX
VTSMX vs. IRSVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) and Voya Target Retirement 2055 Fund (IRSVX). 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.
| VTSMX | IRSVX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.27 | ||
| Sortino ratioReturn per unit of downside risk | -0.54 | ||
| Omega ratioGain probability vs. loss probability | 1.44 | 1.50 | -0.06 |
| Calmar ratioReturn relative to maximum drawdown | 3.36 | 3.54 | -0.18 |
| Martin ratioReturn relative to average drawdown | 15.51 | 17.04 | -1.53 |
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
| VTSMX | IRSVX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.46 | 2.73 | -0.27 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.74 | 0.71 | +0.04 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.81 | 0.75 | +0.06 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.59 | 0.74 | -0.15 |
Drawdowns
VTSMX vs. IRSVX - Drawdown Comparison
The maximum VTSMX drawdown since its inception was -55.38%, which is greater than IRSVX's maximum drawdown of -33.36%. Use the drawdown chart below to compare losses from any high point for VTSMX and IRSVX.
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Drawdown Indicators
| VTSMX | IRSVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.38% | -33.36% | -22.02% |
Max Drawdown (1Y)Largest decline over 1 year | -8.93% | -9.54% | +0.61% |
Max Drawdown (3Y)Largest decline over 3 years | -19.63% | -16.04% | -3.59% |
Max Drawdown (5Y)Largest decline over 5 years | -25.43% | -26.20% | +0.77% |
Max Drawdown (10Y)Largest decline over 10 years | -34.98% | -33.36% | -1.62% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -8.90% | -4.52% | -4.38% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.93% | 1.91% | +0.02% |
Volatility
VTSMX vs. IRSVX - Volatility Comparison
The current volatility for Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) is 2.95%, while Voya Target Retirement 2055 Fund (IRSVX) has a volatility of 3.69%. This indicates that VTSMX experiences smaller price fluctuations and is considered to be less risky than IRSVX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTSMX | IRSVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.95% | 3.69% | -0.74% |
Volatility (6M)Calculated over the trailing 6-month period | 9.19% | 10.11% | -0.92% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.19% | 12.39% | -0.20% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 17.36% | 15.43% | +1.93% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 18.41% | 16.28% | +2.13% |
VTSMX vs. IRSVX - Expense Ratio Comparison
VTSMX has a 0.14% expense ratio, which is lower than IRSVX's 0.24% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
VTSMX vs. IRSVX - Dividend Comparison
VTSMX's dividend yield for the trailing twelve months is around 0.93%, less than IRSVX's 10.33% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IRSVX Voya Target Retirement 2055 Fund | 10.33% | 11.72% | 3.23% | 1.83% | 6.02% | 23.53% | 2.22% | 6.32% | 7.08% | 5.90% | 1.76% | 0.43% |
VTSMX Vanguard Total Stock Market Index Fund Investor Shares | 0.93% | 0.75% | 0.89% | 1.33% | 1.54% | 1.11% | 1.33% | 1.67% | 1.92% | 1.61% | 1.83% | 1.86% |
Frequently Asked Questions
VTSMX and IRSVX have a correlation of 0.88, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
IRSVX has higher volatility (3.69%) compared to VTSMX (2.95%). In terms of maximum drawdown, VTSMX dropped -55.38% vs IRSVX's -33.36%.
IRSVX currently has the higher Sharpe Ratio (2.73 vs 2.46), 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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