VTTVX vs. VTHRX
VTTVX (Vanguard Target Retirement 2025 Fund) and VTHRX (Vanguard Target Retirement 2030 Fund) are both mutual funds - VTTVX is a Diversified Portfolio fund managed by Vanguard, while VTHRX is a Target Retirement Date fund managed by Vanguard. Over the past 10 years, VTTVX returned 7.98%/yr vs 8.89%/yr for VTHRX. With a 1.00 correlation, they move nearly in lockstep. Both charge a 0.08% expense ratio.
Performance
VTTVX vs. VTHRX - 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 VTHRX's 6.52% return. Over the past 10 years, VTTVX has underperformed VTHRX with an annualized return of 7.98%, while VTHRX has yielded a comparatively higher 8.89% 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%
VTHRX
- 1D
- 1.60%
- 1M
- -0.02%
- YTD
- 6.52%
- 6M
- 7.17%
- 1Y
- 17.56%
- 3Y*
- 13.65%
- 5Y*
- 6.55%
- 10Y*
- 8.89%
VTTVX vs. VTHRX - 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% |
VTHRX Vanguard Target Retirement 2030 Fund | 6.52% | 16.25% | 10.43% | 16.24% | -16.28% | 11.37% | 14.11% | 21.08% | -5.85% | 15.24% |
Correlation
The correlation between VTTVX 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 7, 2006 | 1.00 |
The correlation between VTTVX and VTHRX has been stable across timeframes, ranging from 1.00 to 1.00 - a consistent structural relationship.
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Return for Risk
VTTVX vs. VTHRX — Risk / Return Rank
VTTVX
VTHRX
VTTVX vs. VTHRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2025 Fund (VTTVX) 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.
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 | VTHRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.05 | ||
| Sortino ratioReturn per unit of downside risk | +0.09 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.38 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.66 | 2.60 | +0.06 |
| Martin ratioReturn relative to average drawdown | 11.38 | 11.15 | +0.23 |
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Drawdowns
VTTVX vs. VTHRX - Drawdown Comparison
The maximum VTTVX drawdown since its inception was -46.03%, smaller than the maximum VTHRX drawdown of -49.57%. Use the drawdown chart below to compare losses from any high point for VTTVX and VTHRX.
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Drawdown Indicators
| VTTVX | VTHRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -46.03% | -49.57% | +3.54% |
Max Drawdown (1Y)Largest decline over 1 year | -5.57% | -6.56% | +0.99% |
Max Drawdown (3Y)Largest decline over 3 years | -7.84% | -9.64% | +1.80% |
Max Drawdown (5Y)Largest decline over 5 years | -21.52% | -22.75% | +1.23% |
Max Drawdown (10Y)Largest decline over 10 years | -22.51% | -24.86% | +2.35% |
Current DrawdownCurrent decline from peak | -1.17% | -1.42% | +0.25% |
Average DrawdownAverage peak-to-trough decline | -5.05% | -6.18% | +1.13% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.30% | 1.53% | -0.23% |
Volatility
VTTVX vs. VTHRX - Volatility Comparison
The current volatility for Vanguard Target Retirement 2025 Fund (VTTVX) is 3.03%, while Vanguard Target Retirement 2030 Fund (VTHRX) has a volatility of 3.52%. This indicates that VTTVX experiences smaller price fluctuations and is considered to be less risky 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
| VTTVX | VTHRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.03% | 3.52% | -0.49% |
Volatility (6M)Calculated over the trailing 6-month period | 6.01% | 7.09% | -1.08% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.23% | 8.53% | -1.30% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.14% | 10.43% | -1.29% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.96% | 11.28% | -1.32% |
VTTVX vs. VTHRX - Expense Ratio Comparison
Both VTTVX 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
VTTVX vs. VTHRX - Dividend Comparison
VTTVX's dividend yield for the trailing twelve months is around 7.00%, more than VTHRX's 3.78% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTHRX Vanguard Target Retirement 2030 Fund | 3.78% | 4.03% | 3.63% | 2.59% | 2.53% | 17.56% | 2.56% | 2.38% | 2.71% | 0.06% | 2.38% | 3.72% |
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 1.00, VTTVX 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.
VTHRX has higher volatility (3.52%) compared to VTTVX (3.03%). In terms of maximum drawdown, VTTVX dropped -46.03% vs VTHRX's -49.57%.
VTTVX currently has the higher Sharpe Ratio (2.05 vs 2.00), 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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