VTTHX vs. URSIX
VTTHX (Vanguard Target Retirement 2035 Fund) and URSIX (USAA Target Retirement 2060 Fund) are both Target Retirement Date funds. Over the past 10 years, VTTHX returned 9.30%/yr vs 10.23%/yr for URSIX. Their 0.97 correlation means they have historically moved very closely together. VTTHX charges 0.08%/yr vs 0.10%/yr for URSIX.
Performance
VTTHX vs. URSIX - Performance Comparison
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Returns By Period
In the year-to-date period, VTTHX achieves a 7.38% return, which is significantly lower than URSIX's 13.54% return. Over the past 10 years, VTTHX has underperformed URSIX with an annualized return of 9.30%, while URSIX has yielded a comparatively higher 10.23% annualized return.
VTTHX
- 1D
- 1.41%
- 1M
- -0.54%
- 6M
- 4.96%
- YTD
- 7.38%
- 1Y
- 16.37%
- 3Y*
- 13.45%
- 5Y*
- 7.23%
- 10Y*
- 9.30%
- ALL TIME*
- 7.97%
URSIX
- 1D
- 1.42%
- 1M
- 0.56%
- 6M
- 9.91%
- YTD
- 13.54%
- 1Y
- 25.18%
- 3Y*
- 16.85%
- 5Y*
- 9.74%
- 10Y*
- 10.23%
- ALL TIME*
- 8.97%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
VTTHX vs. URSIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTTHX Vanguard Target Retirement 2035 Fund | 7.38% | 17.55% | 11.56% | 17.37% | -16.64% | 12.96% | 14.80% | 22.44% | -6.57% | 16.81% |
URSIX USAA Target Retirement 2060 Fund | 13.54% | 19.62% | 13.05% | 18.22% | -15.78% | 17.70% | 10.17% | 20.09% | -9.17% | 19.52% |
Correlation
The correlation between VTTHX and URSIX is 0.98 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.98 |
Correlation (3Y) Balances recent behavior with more history. | 0.96 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.97 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.97 |
Correlation (All Time) Calculated using the full available price history since Jul 22, 2013 | 0.97 |
The correlation between VTTHX and URSIX has been stable across timeframes, ranging from 0.96 to 0.98 - a consistent structural relationship.
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Return for Risk
VTTHX vs. URSIX — Risk / Return Rank
VTTHX
URSIX
VTTHX vs. URSIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2035 Fund (VTTHX) and USAA Target Retirement 2060 Fund (URSIX). 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.
| VTTHX | URSIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.32 | ||
| Sortino ratioReturn per unit of downside risk | -0.43 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.34 | -0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.14 | 2.81 | -0.68 |
| Martin ratioReturn relative to average drawdown | 8.86 | 12.09 | -3.23 |
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Drawdowns
VTTHX vs. URSIX - Drawdown Comparison
The maximum VTTHX drawdown since its inception was -51.76%, which is greater than URSIX's maximum drawdown of -30.33%. Use the drawdown chart below to compare losses from any high point for VTTHX and URSIX.
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Drawdown Indicators
| VTTHX | URSIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.76% | -30.33% | -21.43% |
Max Drawdown (1Y)Largest decline over 1 year | -7.17% | -8.32% | +1.15% |
Max Drawdown (3Y)Largest decline over 3 years | -10.87% | -14.35% | +3.48% |
Max Drawdown (5Y)Largest decline over 5 years | -23.53% | -23.85% | +0.32% |
Max Drawdown (10Y)Largest decline over 10 years | -27.15% | -30.33% | +3.18% |
Current DrawdownCurrent decline from peak | -1.61% | -0.28% | -1.33% |
Average DrawdownAverage peak-to-trough decline | -6.06% | -4.40% | -1.66% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.73% | 1.93% | -0.20% |
Volatility
VTTHX vs. URSIX - Volatility Comparison
Vanguard Target Retirement 2035 Fund (VTTHX) and USAA Target Retirement 2060 Fund (URSIX) have volatilities of 2.94% and 3.06%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTTHX | URSIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.94% | 3.06% | -0.12% |
Volatility (6M)Calculated over the trailing 6-month period | 8.25% | 10.34% | -2.09% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.80% | 12.45% | -2.65% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.50% | 14.21% | -2.71% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.41% | 14.52% | -2.11% |
VTTHX vs. URSIX - Expense Ratio Comparison
VTTHX has a 0.08% expense ratio, which is lower than URSIX's 0.10% 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
VTTHX vs. URSIX - Dividend Comparison
VTTHX's dividend yield for the trailing twelve months is around 2.75%, less than URSIX's 4.93% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
URSIX USAA Target Retirement 2060 Fund | 4.93% | 5.60% | 2.55% | 2.89% | 10.97% | 7.07% | 4.79% | 5.88% | 4.77% | 3.82% | 3.01% | 1.73% |
VTTHX Vanguard Target Retirement 2035 Fund | 2.75% | 2.96% | 3.12% | 2.47% | 2.71% | 19.52% | 2.50% | 2.33% | 2.69% | 0.16% | 2.77% | 4.67% |
Frequently Asked Questions
With a correlation of 0.98, VTTHX and URSIX 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.
URSIX has higher volatility (3.06%) compared to VTTHX (2.94%). In terms of maximum drawdown, VTTHX dropped -51.76% vs URSIX's -30.33%.
URSIX currently has the higher Sharpe Ratio (1.88 vs 1.57), 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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