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VTTVX vs. VUSXX
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VTTVX vs. VUSXX

Last updated Jun 13, 2026

VTTVX (Vanguard Target Retirement 2025 Fund) and VUSXX (Vanguard Treasury Money Market Fund) are both mutual funds - VTTVX is a Diversified Portfolio fund managed by Vanguard, while VUSXX is a Money Market fund actively managed by Vanguard. Over the past 5 years, VTTVX returned 5.66%/yr vs 1.56%/yr for VUSXX. At a 0.02 correlation, their price movements are largely independent. VTTVX charges 0.08%/yr vs 0.07%/yr for VUSXX.

Performance

VTTVX vs. VUSXX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Target Retirement 2025 Fund (VTTVX) and Vanguard Treasury Money Market Fund (VUSXX). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, VTTVX achieves a 5.56% return, which is significantly higher than VUSXX's 1.51% return.

VTTVX

1D
1.40%
1M
0.24%
YTD
5.56%
6M
6.18%
1Y
14.33%
3Y*
12.18%
5Y*
5.66%
10Y*
7.98%

VUSXX

1D
0.00%
1M
0.31%
YTD
1.51%
6M
1.84%
1Y
3.98%
3Y*
2.61%
5Y*
1.56%
10Y*
—
*Multi-year figures are annualized to reflect compound growth (CAGR)

VTTVX vs. VUSXX - Yearly Performance Comparison

2026 (YTD)20252024202320222021
VTTVX
Vanguard Target Retirement 2025 Fund		5.56%14.63%9.23%14.76%-15.57%4.45%
VUSXX
Vanguard Treasury Money Market Fund		1.51%4.25%1.65%0.43%0.00%0.00%

Correlation

The correlation between VTTVX and VUSXX is -0.00, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

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

-0.00

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

0.01

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

0.02

Correlation (All Time)
Calculated using the full available price history since May 25, 2021

0.02

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Vanguard Target Retirement 2025 Fund

Vanguard Treasury Money Market Fund

Often compared with VTTVX:
VTTVX vs. VTSAXVTTVX vs. TRRHXVTTVX vs. FFTWXVTTVX vs. VOOVTTVX vs. VFIAXVTTVX vs. VTWNXVTTVX vs. SCHD
Often compared with VUSXX:
VUSXX vs. VMFXXVUSXX vs. SGOVVUSXX vs. VMRXXVUSXX vs. VBILVUSXX vs. VGSHVUSXX vs. USFRVUSXX vs. VOO

Return for Risk

VTTVX vs. VUSXX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VTTVX
VTTVX Risk / Return Rank: 7575
Overall Rank
VTTVX Sharpe Ratio Rank: 7575
Sharpe Ratio Rank
VTTVX Sortino Ratio Rank: 7575
Sortino Ratio Rank
VTTVX Omega Ratio Rank: 7575
Omega Ratio Rank
VTTVX Calmar Ratio Rank: 7171
Calmar Ratio Rank
VTTVX Martin Ratio Rank: 7878
Martin Ratio Rank
VUSXX

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

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.

VTTVX vs. VUSXX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2025 Fund (VTTVX) and Vanguard Treasury Money Market Fund (VUSXX). 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.

VTTVXVUSXXDifference
Sharpe ratioReturn per unit of total volatility
2.05
3.68

-1.63

Sortino ratioReturn per unit of downside risk
2.91

—

—

Omega ratioGain probability vs. loss probability

1.39

—

—

Calmar ratioReturn relative to maximum drawdown

2.66

—

—

Martin ratioReturn relative to average drawdown

11.38

—

—

VTTVX vs. VUSXX - Sharpe Ratio Comparison

The current VTTVX Sharpe Ratio is 2.05, which is lower than the VUSXX Sharpe Ratio of 3.68. The chart below compares the historical Sharpe Ratios of VTTVX and VUSXX, 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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Drawdowns

VTTVX vs. VUSXX - Drawdown Comparison

The maximum VTTVX drawdown since its inception was -46.03%, which is greater than VUSXX's maximum drawdown of 0.00%. Use the drawdown chart below to compare losses from any high point for VTTVX and VUSXX.

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Drawdown Indicators

VTTVXVUSXXDifference

Max Drawdown

Largest peak-to-trough decline

-46.03%

0.00%

-46.03%

Max Drawdown (1Y)

Largest decline over 1 year

-5.57%

0.00%

-5.57%

Max Drawdown (3Y)

Largest decline over 3 years

-7.84%

0.00%

-7.84%

Max Drawdown (5Y)

Largest decline over 5 years

-21.52%

0.00%

-21.52%

Max Drawdown (10Y)

Largest decline over 10 years

-22.51%

—

—

Current Drawdown

Current decline from peak

-1.17%

0.00%

-1.17%

Average Drawdown

Average peak-to-trough decline

-5.05%

0.00%

-5.05%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.30%

0.00%

+1.30%

Volatility

VTTVX vs. VUSXX - Volatility Comparison

Vanguard Target Retirement 2025 Fund (VTTVX) has a higher volatility of 3.03% compared to Vanguard Treasury Money Market Fund (VUSXX) at 0.31%. This indicates that VTTVX's price experiences larger fluctuations and is considered to be riskier than VUSXX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

VTTVXVUSXXDifference

Volatility (1M)

Calculated over the trailing 1-month period

3.03%

0.31%

+2.72%

Volatility (6M)

Calculated over the trailing 6-month period

6.01%

0.79%

+5.22%

Volatility (1Y)

Calculated over the trailing 1-year period

7.23%

1.12%

+6.11%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

9.14%

0.75%

+8.39%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

9.96%

0.74%

+9.22%

VTTVX vs. VUSXX - Expense Ratio Comparison

VTTVX has a 0.08% expense ratio, which is higher than VUSXX'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. VUSXX - Dividend Comparison

VTTVX's dividend yield for the trailing twelve months is around 7.00%, more than VUSXX's 3.89% yield.

PositionTTM20252024202320222021202020192018201720162015
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%
VUSXX
Vanguard Treasury Money Market Fund		3.89%4.15%1.63%0.43%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Frequently Asked Questions

VTTVX and VUSXX have a correlation of -0.00, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

VTTVX has higher volatility (3.03%) compared to VUSXX (0.31%). In terms of maximum drawdown, VTTVX dropped -46.03% vs VUSXX's 0.00%.

VUSXX currently has the higher Sharpe Ratio (3.68 vs 2.05), 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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