VTTHX vs. TRRJX
Compare and contrast key facts about Vanguard Target Retirement 2035 Fund (VTTHX) and T. Rowe Price Retirement 2035 Fund (TRRJX).
VTTHX is managed by Vanguard. It was launched on Oct 27, 2003. TRRJX is managed by T. Rowe Price. It was launched on Feb 27, 2004.
Performance
VTTHX vs. TRRJX - Performance Comparison
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VTTHX vs. TRRJX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTTHX Vanguard Target Retirement 2035 Fund | -3.07% | 17.55% | 11.56% | 17.37% | -16.64% | 12.96% | 14.80% | 22.44% | -6.57% | 16.81% |
TRRJX T. Rowe Price Retirement 2035 Fund | -2.95% | 10.96% | 11.99% | 18.14% | -17.96% | 15.21% | 17.04% | 23.72% | -6.95% | 20.89% |
Returns By Period
The year-to-date returns for both investments are quite close, with VTTHX having a -3.07% return and TRRJX slightly higher at -2.95%. Both investments have delivered pretty close results over the past 10 years, with VTTHX having a 8.73% annualized return and TRRJX not far ahead at 8.76%.
VTTHX
- 1D
- -0.11%
- 1M
- -6.88%
- YTD
- -3.07%
- 6M
- -0.64%
- 1Y
- 13.90%
- 3Y*
- 12.09%
- 5Y*
- 6.37%
- 10Y*
- 8.73%
TRRJX
- 1D
- -0.18%
- 1M
- -7.80%
- YTD
- -2.95%
- 6M
- -5.06%
- 1Y
- 7.08%
- 3Y*
- 10.45%
- 5Y*
- 5.12%
- 10Y*
- 8.76%
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VTTHX vs. TRRJX - Expense Ratio Comparison
VTTHX has a 0.08% expense ratio, which is lower than TRRJX's 0.59% expense ratio.
Return for Risk
VTTHX vs. TRRJX — Risk / Return Rank
VTTHX
TRRJX
VTTHX vs. TRRJX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2035 Fund (VTTHX) and T. Rowe Price Retirement 2035 Fund (TRRJX). 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.
| VTTHX | TRRJX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.25 | 0.55 | +0.70 |
Sortino ratioReturn per unit of downside risk | 1.80 | 0.83 | +0.96 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.13 | +0.13 |
Calmar ratioReturn relative to maximum drawdown | 1.60 | 0.52 | +1.08 |
Martin ratioReturn relative to average drawdown | 7.13 | 2.23 | +4.91 |
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
| VTTHX | TRRJX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.25 | 0.55 | +0.70 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.40 | +0.16 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.71 | 0.65 | +0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.50 | 0.47 | +0.03 |
Correlation
The correlation between VTTHX and TRRJX is 0.98, 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
VTTHX vs. TRRJX - Dividend Comparison
VTTHX's dividend yield for the trailing twelve months is around 3.05%, while TRRJX has not paid dividends to shareholders.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTTHX Vanguard Target Retirement 2035 Fund | 3.05% | 2.96% | 3.12% | 2.47% | 2.71% | 19.52% | 2.50% | 2.33% | 2.69% | 0.16% | 2.77% | 4.67% |
TRRJX T. Rowe Price Retirement 2035 Fund | 0.00% | 0.00% | 2.36% | 4.68% | 9.67% | 6.89% | 4.80% | 5.68% | 8.55% | 3.80% | 2.89% | 4.05% |
Drawdowns
VTTHX vs. TRRJX - Drawdown Comparison
The maximum VTTHX drawdown since its inception was -51.76%, roughly equal to the maximum TRRJX drawdown of -53.57%. Use the drawdown chart below to compare losses from any high point for VTTHX and TRRJX.
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Drawdown Indicators
| VTTHX | TRRJX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.76% | -53.57% | +1.81% |
Max Drawdown (1Y)Largest decline over 1 year | -8.03% | -9.61% | +1.58% |
Max Drawdown (5Y)Largest decline over 5 years | -23.53% | -25.85% | +2.32% |
Max Drawdown (10Y)Largest decline over 10 years | -27.15% | -30.14% | +2.99% |
Current DrawdownCurrent decline from peak | -7.17% | -8.06% | +0.89% |
Average DrawdownAverage peak-to-trough decline | -6.13% | -6.69% | +0.56% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.80% | 2.51% | -0.71% |
Volatility
VTTHX vs. TRRJX - Volatility Comparison
The current volatility for Vanguard Target Retirement 2035 Fund (VTTHX) is 3.81%, while T. Rowe Price Retirement 2035 Fund (TRRJX) has a volatility of 4.14%. This indicates that VTTHX experiences smaller price fluctuations and is considered to be less risky than TRRJX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTTHX | TRRJX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.81% | 4.14% | -0.33% |
Volatility (6M)Calculated over the trailing 6-month period | 6.60% | 8.15% | -1.55% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.21% | 13.42% | -2.21% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.30% | 12.77% | -1.47% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.43% | 13.50% | -1.07% |