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VTTHX vs. VTHRX
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VTTHX vs. VTHRX

Last updated Jun 7, 2026

VTTHX (Vanguard Target Retirement 2035 Fund) and VTHRX (Vanguard Target Retirement 2030 Fund) are both Target Retirement Date funds from Vanguard. Over the past 10 years, VTTHX returned 9.69%/yr vs 8.84%/yr for VTHRX. With a 1.00 correlation, they move nearly in lockstep. Both charge a 0.08% expense ratio.

Performance

VTTHX vs. VTHRX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Target Retirement 2035 Fund (VTTHX) and Vanguard Target Retirement 2030 Fund (VTHRX). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, VTTHX achieves a 8.73% return, which is significantly higher than VTHRX's 7.73% return. Over the past 10 years, VTTHX has outperformed VTHRX with an annualized return of 9.69%, while VTHRX has yielded a comparatively lower 8.84% annualized return.

VTTHX

1D
0.24%
1M
1.50%
YTD
8.73%
6M
9.23%
1Y
20.86%
3Y*
15.81%
5Y*
7.74%
10Y*
9.69%

VTHRX

1D
0.24%
1M
1.31%
YTD
7.73%
6M
8.18%
1Y
18.86%
3Y*
14.46%
5Y*
6.89%
10Y*
8.84%
*Multi-year figures are annualized to reflect compound growth (CAGR)

VTTHX vs. VTHRX - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VTTHX
Vanguard Target Retirement 2035 Fund		8.73%17.55%11.56%17.37%-16.64%12.96%14.80%22.44%-6.57%16.81%
VTHRX
Vanguard Target Retirement 2030 Fund		7.73%16.25%10.43%16.24%-16.28%11.37%14.11%21.08%-5.85%15.24%

Correlation

The correlation between VTTHX and VTHRX is 1.00 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

1.00

Correlation (3Y)
Calculated over the trailing 3-year period

1.00

Correlation (5Y)
Calculated over the trailing 5-year period

1.00

Correlation (10Y)
Calculated over the trailing 10-year period

1.00

Correlation (All Time)
Calculated using the full available price history since Jun 8, 2006

1.00

The correlation between VTTHX and VTHRX has been stable across timeframes, ranging from 1.00 to 1.00 - a consistent structural relationship.

VTTHX vs. VTHRX - Sectors Allocation Comparison

Sectors
VTTHX
VTHRX

Technology

27.4%
27.4%

Financial Services

16.1%
16.0%

Industrials

12.3%
12.3%

Consumer Cyclical

9.4%
9.4%

Healthcare

8.3%
8.3%

Communication Services

8.0%
8.0%

Consumer Defensive

4.8%
4.8%

Energy

4.3%
4.3%

Basic Materials

4.2%
4.2%

Utilities

2.7%
2.7%

Real Estate

2.5%
2.5%

Technology

VTTHX
27.4%
VTHRX
27.4%

Financial Services

VTTHX
16.1%
VTHRX
16.0%

Industrials

VTTHX
12.3%
VTHRX
12.3%

Consumer Cyclical

VTTHX
9.4%
VTHRX
9.4%

Healthcare

VTTHX
8.3%
VTHRX
8.3%

Communication Services

VTTHX
8.0%
VTHRX
8.0%

Consumer Defensive

VTTHX
4.8%
VTHRX
4.8%

Energy

VTTHX
4.3%
VTHRX
4.3%

Basic Materials

VTTHX
4.2%
VTHRX
4.2%

Utilities

VTTHX
2.7%
VTHRX
2.7%

Real Estate

VTTHX
2.5%
VTHRX
2.5%

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Vanguard Target Retirement 2035 Fund

Vanguard Target Retirement 2030 Fund

Often compared with VTTHX:
VTTHX vs. VFORXVTTHX vs. FFTHXVTTHX vs. VOOVTTHX vs. FIHFXVTTHX vs. VTIVXVTTHX vs. TRRJXVTTHX vs. SWYFX
Often compared with VTHRX:
VTHRX vs. FFFEXVTHRX vs. VOOVTHRX vs. VWELXVTHRX vs. SWDRXVTHRX vs. VTHRVTHRX vs. AAETXVTHRX vs. ITDB

Return for Risk

VTTHX vs. VTHRX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VTTHX
VTTHX Risk / Return Rank: 6868
Overall Rank
VTTHX Sharpe Ratio Rank: 7070
Sharpe Ratio Rank
VTTHX Sortino Ratio Rank: 7070
Sortino Ratio Rank
VTTHX Omega Ratio Rank: 6868
Omega Ratio Rank
VTTHX Calmar Ratio Rank: 6363
Calmar Ratio Rank
VTTHX Martin Ratio Rank: 7171
Martin Ratio Rank
VTHRX
VTHRX Risk / Return Rank: 6767
Overall Rank
VTHRX Sharpe Ratio Rank: 6969
Sharpe Ratio Rank
VTHRX Sortino Ratio Rank: 6969
Sortino Ratio Rank
VTHRX Omega Ratio Rank: 6868
Omega Ratio Rank
VTHRX Calmar Ratio Rank: 6161
Calmar Ratio Rank
VTHRX Martin Ratio Rank: 6969
Martin Ratio Rank
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.

VTTHX vs. VTHRX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2035 Fund (VTTHX) and Vanguard Target Retirement 2030 Fund (VTHRX). 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.

VTTHXVTHRXDifference
Sharpe ratioReturn per unit of total volatility
2.38
2.36

+0.02

Sortino ratioReturn per unit of downside risk
3.37
3.37

0.00

Omega ratioGain probability vs. loss probability

1.44

1.44

0.00

Calmar ratioReturn relative to maximum drawdown

2.96

2.91

+0.05

Martin ratioReturn relative to average drawdown

13.01

12.74

+0.28

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

VTTHX vs. VTHRX - Sharpe Ratio Comparison

The current VTTHX Sharpe Ratio is 2.38, which is comparable to the VTHRX Sharpe Ratio of 2.36. The chart below compares the historical Sharpe Ratios of VTTHX and VTHRX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Sharpe Ratios by Period

VTTHXVTHRXDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

2.38

2.36

+0.02

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.68

0.67

+0.02

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.78

0.79

-0.01

Sharpe Ratio (All Time)

Calculated using the full available price history

0.53

0.50

+0.03

Drawdowns

VTTHX vs. VTHRX - Drawdown Comparison

The maximum VTTHX drawdown since its inception was -51.76%, roughly equal to the maximum VTHRX drawdown of -49.57%. Use the drawdown chart below to compare losses from any high point for VTTHX and VTHRX.

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Drawdown Indicators

VTTHXVTHRXDifference

Max Drawdown

Largest peak-to-trough decline

-51.76%

-49.57%

-2.19%

Max Drawdown (1Y)

Largest decline over 1 year

-7.17%

-6.56%

-0.61%

Max Drawdown (3Y)

Largest decline over 3 years

-10.87%

-9.64%

-1.23%

Max Drawdown (5Y)

Largest decline over 5 years

-23.53%

-22.75%

-0.78%

Max Drawdown (10Y)

Largest decline over 10 years

-27.15%

-24.86%

-2.29%

Current Drawdown

Current decline from peak

-0.37%

-0.31%

-0.06%

Average Drawdown

Average peak-to-trough decline

-6.09%

-6.18%

+0.09%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.63%

1.49%

+0.14%

Volatility

VTTHX vs. VTHRX - Volatility Comparison

Vanguard Target Retirement 2035 Fund (VTTHX) has a higher volatility of 2.81% compared to Vanguard Target Retirement 2030 Fund (VTHRX) at 2.61%. This indicates that VTTHX's price experiences larger fluctuations and is considered to be riskier than VTHRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

VTTHXVTHRXDifference

Volatility (1M)

Calculated over the trailing 1-month period

2.81%

2.61%

+0.20%

Volatility (6M)

Calculated over the trailing 6-month period

7.19%

6.54%

+0.65%

Volatility (1Y)

Calculated over the trailing 1-year period

8.91%

8.09%

+0.82%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

11.37%

10.36%

+1.01%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

12.46%

11.26%

+1.20%

VTTHX vs. VTHRX - Expense Ratio Comparison

Both VTTHX and VTHRX 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%.

Dividends

VTTHX vs. VTHRX - Dividend Comparison

VTTHX's dividend yield for the trailing twelve months is around 2.72%, less than VTHRX's 3.74% yield.

PositionTTM20252024202320222021202020192018201720162015
VTHRX
Vanguard Target Retirement 2030 Fund		3.74%4.03%3.63%2.59%2.53%17.56%2.56%2.38%2.71%0.06%2.38%3.72%
VTTHX
Vanguard Target Retirement 2035 Fund		2.72%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 1.00, VTTHX and VTHRX 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.

VTTHX has higher volatility (2.81%) compared to VTHRX (2.61%). In terms of maximum drawdown, VTTHX dropped -51.76% vs VTHRX's -49.57%.

VTTHX currently has the higher Sharpe Ratio (2.38 vs 2.36), 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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