VTTVX vs. VOO
Compare and contrast key facts about Vanguard Target Retirement 2025 Fund (VTTVX) and Vanguard S&P 500 ETF (VOO).
VTTVX is managed by Vanguard. It was launched on Oct 27, 2003. VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.
Performance
VTTVX vs. VOO - Performance Comparison
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VTTVX vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTTVX Vanguard Target Retirement 2025 Fund | -2.21% | 14.63% | 9.23% | 14.76% | -15.57% | 9.78% | 13.31% | 19.63% | -5.14% | 13.68% |
VOO Vanguard S&P 500 ETF | -4.42% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Returns By Period
In the year-to-date period, VTTVX achieves a -2.21% return, which is significantly higher than VOO's -4.42% return. Over the past 10 years, VTTVX has underperformed VOO with an annualized return of 7.26%, while VOO has yielded a comparatively higher 14.05% annualized return.
VTTVX
- 1D
- 0.05%
- 1M
- -5.38%
- YTD
- -2.21%
- 6M
- -0.23%
- 1Y
- 11.38%
- 3Y*
- 10.10%
- 5Y*
- 5.04%
- 10Y*
- 7.26%
VOO
- 1D
- 2.86%
- 1M
- -5.01%
- YTD
- -4.42%
- 6M
- -1.84%
- 1Y
- 17.67%
- 3Y*
- 18.27%
- 5Y*
- 11.75%
- 10Y*
- 14.05%
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VTTVX vs. VOO - Expense Ratio Comparison
VTTVX has a 0.08% expense ratio, which is higher than VOO's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
VTTVX vs. VOO — Risk / Return Rank
VTTVX
VOO
VTTVX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2025 Fund (VTTVX) and Vanguard S&P 500 ETF (VOO). 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.
| VTTVX | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.37 | 0.98 | +0.39 |
Sortino ratioReturn per unit of downside risk | 1.95 | 1.50 | +0.45 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.23 | +0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.77 | 1.53 | +0.24 |
Martin ratioReturn relative to average drawdown | 7.76 | 7.29 | +0.46 |
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
| VTTVX | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.37 | 0.98 | +0.39 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.70 | -0.14 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | 0.78 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.54 | 0.83 | -0.30 |
Correlation
The correlation between VTTVX and VOO is 0.94, 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
VTTVX vs. VOO - Dividend Comparison
VTTVX's dividend yield for the trailing twelve months is around 7.55%, more than VOO's 1.19% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTTVX Vanguard Target Retirement 2025 Fund | 7.55% | 7.38% | 7.63% | 3.96% | 2.96% | 16.28% | 4.35% | 2.57% | 3.14% | 0.47% | 2.68% | 4.98% |
VOO Vanguard S&P 500 ETF | 1.19% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Drawdowns
VTTVX vs. VOO - Drawdown Comparison
The maximum VTTVX drawdown since its inception was -46.03%, which is greater than VOO's maximum drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for VTTVX and VOO.
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Drawdown Indicators
| VTTVX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -46.03% | -33.99% | -12.04% |
Max Drawdown (1Y)Largest decline over 1 year | -6.08% | -11.98% | +5.90% |
Max Drawdown (5Y)Largest decline over 5 years | -21.52% | -24.52% | +3.00% |
Max Drawdown (10Y)Largest decline over 10 years | -22.51% | -33.99% | +11.48% |
Current DrawdownCurrent decline from peak | -5.52% | -6.29% | +0.77% |
Average DrawdownAverage peak-to-trough decline | -5.09% | -3.72% | -1.37% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.39% | 2.52% | -1.13% |
Volatility
VTTVX vs. VOO - Volatility Comparison
The current volatility for Vanguard Target Retirement 2025 Fund (VTTVX) is 2.99%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.29%. This indicates that VTTVX experiences smaller price fluctuations and is considered to be less risky than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTTVX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.99% | 5.29% | -2.30% |
Volatility (6M)Calculated over the trailing 6-month period | 5.01% | 9.44% | -4.43% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.43% | 18.10% | -9.67% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.04% | 16.82% | -7.78% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.91% | 17.99% | -8.08% |