VTTVX vs. VTHR
VTTVX (Vanguard Target Retirement 2025 Fund) and VTHR (Vanguard Russell 3000 ETF) are both funds - VTTVX is a Diversified Portfolio fund managed by Vanguard, while VTHR is a Large Cap Blend Equities fund tracking the Russell 3000 Index. Over the past 10 years, VTTVX returned 7.98%/yr vs 14.94%/yr for VTHR. Their correlation of 0.90 suggests significant overlap in exposure. VTTVX charges 0.08%/yr vs 0.07%/yr for VTHR.
Performance
VTTVX vs. VTHR - Performance Comparison
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Returns By Period
In the year-to-date period, VTTVX achieves a 5.56% return, which is significantly lower than VTHR's 9.46% return. Over the past 10 years, VTTVX has underperformed VTHR with an annualized return of 7.98%, while VTHR has yielded a comparatively higher 14.94% annualized return.
VTTVX
- 1D
- 1.40%
- 1M
- 0.05%
- YTD
- 5.56%
- 6M
- 6.18%
- 1Y
- 15.21%
- 3Y*
- 12.18%
- 5Y*
- 5.66%
- 10Y*
- 7.98%
VTHR
- 1D
- 0.61%
- 1M
- -0.28%
- YTD
- 9.46%
- 6M
- 9.47%
- 1Y
- 25.83%
- 3Y*
- 20.45%
- 5Y*
- 12.17%
- 10Y*
- 14.94%
VTTVX vs. VTHR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTTVX Vanguard Target Retirement 2025 Fund | 5.56% | 14.63% | 9.23% | 14.76% | -15.57% | 9.78% | 13.31% | 19.63% | -5.14% | 13.68% |
VTHR Vanguard Russell 3000 ETF | 9.46% | 16.99% | 23.57% | 25.92% | -19.20% | 25.49% | 20.93% | 30.82% | -5.65% | 21.06% |
Correlation
The correlation between VTTVX and VTHR is 0.93, 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 | 0.93 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.90 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.92 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.92 |
Correlation (All Time) Calculated using the full available price history since Sep 22, 2010 | 0.90 |
The correlation between VTTVX and VTHR has been stable across timeframes, ranging from 0.90 to 0.93 - a consistent structural relationship.
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Return for Risk
VTTVX vs. VTHR — Risk / Return Rank
VTTVX
VTHR
VTTVX vs. VTHR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2025 Fund (VTTVX) and Vanguard Russell 3000 ETF (VTHR). 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.
| VTTVX | VTHR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.12 | ||
| Sortino ratioReturn per unit of downside risk | +0.27 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.34 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.66 | 2.74 | -0.08 |
| Martin ratioReturn relative to average drawdown | 11.38 | 12.28 | -0.90 |
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Drawdowns
VTTVX vs. VTHR - Drawdown Comparison
The maximum VTTVX drawdown since its inception was -46.03%, which is greater than VTHR's maximum drawdown of -34.61%. Use the drawdown chart below to compare losses from any high point for VTTVX and VTHR.
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Drawdown Indicators
| VTTVX | VTHR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -46.03% | -34.61% | -11.42% |
Max Drawdown (1Y)Largest decline over 1 year | -5.57% | -8.91% | +3.34% |
Max Drawdown (3Y)Largest decline over 3 years | -7.84% | -19.36% | +11.52% |
Max Drawdown (5Y)Largest decline over 5 years | -21.52% | -25.06% | +3.54% |
Max Drawdown (10Y)Largest decline over 10 years | -22.51% | -34.61% | +12.10% |
Current DrawdownCurrent decline from peak | -1.17% | -2.02% | +0.85% |
Average DrawdownAverage peak-to-trough decline | -5.05% | -4.04% | -1.01% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.30% | 1.99% | -0.69% |
Volatility
VTTVX vs. VTHR - Volatility Comparison
The current volatility for Vanguard Target Retirement 2025 Fund (VTTVX) is 3.03%, while Vanguard Russell 3000 ETF (VTHR) has a volatility of 4.33%. This indicates that VTTVX experiences smaller price fluctuations and is considered to be less risky than VTHR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTTVX | VTHR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.03% | 4.33% | -1.30% |
Volatility (6M)Calculated over the trailing 6-month period | 6.01% | 9.87% | -3.86% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.23% | 12.70% | -5.47% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.14% | 17.36% | -8.22% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.96% | 17.86% | -7.90% |
VTTVX vs. VTHR - Expense Ratio Comparison
VTTVX has a 0.08% expense ratio, which is higher than VTHR's 0.07% 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%.
Dividends
VTTVX vs. VTHR - Dividend Comparison
VTTVX's dividend yield for the trailing twelve months is around 7.00%, more than VTHR's 1.02% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTHR Vanguard Russell 3000 ETF | 1.02% | 1.08% | 1.19% | 1.47% | 1.52% | 1.16% | 1.37% | 1.65% | 1.89% | 1.63% | 1.82% | 1.84% |
VTTVX Vanguard Target Retirement 2025 Fund | 7.00% | 7.38% | 7.63% | 3.96% | 2.96% | 16.28% | 4.35% | 2.57% | 3.14% | 0.47% | 2.68% | 4.98% |
Frequently Asked Questions
With a correlation of 0.93, VTTVX and VTHR 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.
VTHR has higher volatility (4.33%) compared to VTTVX (3.03%). In terms of maximum drawdown, VTTVX dropped -46.03% vs VTHR's -34.61%.
VTTVX currently has the higher Sharpe Ratio (2.05 vs 1.92), 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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