Vanguard Moderate
Recommended portfolio for 65 year old couple, retired, very little debt, no pensions, drawing Social Security.
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Vanguard Moderate, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends. The portfolio is rebalanced every 3 months.
The earliest data available for this chart is Nov 9, 2021, corresponding to the inception date of VAIGX
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -10.18% | -5.91% | -9.57% | 5.19% | 12.98% | 9.68% |
| Vanguard Moderate | -2.93% | -3.81% | -4.53% | 7.10% | N/A | N/A |
| Portfolio components: | ||||||
VTI Vanguard Total Stock Market ETF | -10.40% | -7.07% | -9.83% | 6.09% | 14.30% | 10.94% |
VXUS Vanguard Total International Stock ETF | 4.37% | -4.59% | -2.04% | 9.35% | 10.00% | 4.68% |
BNDX Vanguard Total International Bond ETF | 1.06% | 1.33% | 1.10% | 5.87% | 0.16% | 1.80% |
BLV Vanguard Long-Term Bond ETF | 0.68% | -3.32% | -4.00% | 4.21% | -5.23% | 0.65% |
BIV Vanguard Intermediate-Term Bond ETF | 2.70% | -0.10% | 0.71% | 7.76% | -0.47% | 1.67% |
VAIGX Vanguard Advice Select International Growth Fund | 1.20% | -7.46% | -3.85% | 13.94% | N/A | N/A |
VAGVX Vanguard Advice Select Global Value Fund | -3.65% | -7.99% | -12.23% | 0.08% | N/A | N/A |
VADGX Vanguard Advice Select Dividend Growth Fund | -5.76% | -5.01% | -11.20% | 3.21% | N/A | N/A |
VHCAX Vanguard Capital Opportunity Fund Admiral Shares | -10.53% | -10.51% | -12.21% | -0.98% | 6.67% | 4.28% |
VZICX Vanguard International Core Stock Fund Admiral Shares | 5.37% | -5.08% | -1.25% | 10.29% | 11.97% | N/A |
VNQ Vanguard Real Estate ETF | -1.51% | -3.95% | -9.16% | 15.03% | 6.68% | 4.73% |
AAPL Apple Inc | -21.25% | -8.48% | -15.99% | 18.48% | 23.54% | 21.38% |
BSV Vanguard Short-Term Bond ETF | 2.21% | 0.59% | 2.13% | 6.89% | 1.08% | 1.72% |
Monthly Returns
The table below presents the monthly returns of Vanguard Moderate, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 1.77% | 0.74% | -2.62% | -2.78% | -2.93% | ||||||||
| 2024 | -0.42% | 1.72% | 1.93% | -2.85% | 3.44% | 1.38% | 2.29% | 2.00% | 1.88% | -2.18% | 2.90% | -2.25% | 10.01% |
| 2023 | 5.69% | -2.82% | 3.17% | 0.87% | -0.92% | 3.14% | 1.91% | -1.90% | -3.70% | -2.02% | 6.96% | 4.10% | 14.74% |
| 2022 | -3.58% | -2.21% | -0.32% | -6.09% | 0.11% | -4.98% | 5.34% | -3.73% | -6.79% | 3.04% | 5.64% | -3.47% | -16.61% |
| 2021 | -2.18% | 1.28% | -0.93% |
Expense Ratio
Vanguard Moderate has an expense ratio of 0.10%, which is considered low. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of Vanguard Moderate is 73, indicating average performance compared to other portfolios on our website. Here’s a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
This table presents a comparison of risk-adjusted performance metrics for positions. 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.
| Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|
VTI Vanguard Total Stock Market ETF | 0.27 | 0.52 | 1.08 | 0.27 | 1.20 |
VXUS Vanguard Total International Stock ETF | 0.56 | 0.90 | 1.12 | 0.70 | 2.21 |
BNDX Vanguard Total International Bond ETF | 1.57 | 2.27 | 1.28 | 0.76 | 7.06 |
BLV Vanguard Long-Term Bond ETF | 0.41 | 0.63 | 1.08 | 0.16 | 0.88 |
BIV Vanguard Intermediate-Term Bond ETF | 1.47 | 2.18 | 1.26 | 0.69 | 3.66 |
VAIGX Vanguard Advice Select International Growth Fund | 0.43 | 0.80 | 1.10 | 0.35 | 2.06 |
VAGVX Vanguard Advice Select Global Value Fund | -0.01 | 0.11 | 1.02 | -0.01 | -0.03 |
VADGX Vanguard Advice Select Dividend Growth Fund | 0.24 | 0.45 | 1.06 | 0.23 | 0.89 |
VHCAX Vanguard Capital Opportunity Fund Admiral Shares | -0.10 | 0.01 | 1.00 | -0.10 | -0.40 |
VZICX Vanguard International Core Stock Fund Admiral Shares | 0.62 | 0.96 | 1.13 | 0.77 | 2.56 |
VNQ Vanguard Real Estate ETF | 0.79 | 1.17 | 1.15 | 0.55 | 2.79 |
AAPL Apple Inc | 0.52 | 0.95 | 1.14 | 0.50 | 2.03 |
BSV Vanguard Short-Term Bond ETF | 3.08 | 5.02 | 1.63 | 3.21 | 11.48 |
Dividends
Dividend yield
Vanguard Moderate provided a 2.83% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.83% | 2.77% | 2.58% | 1.97% | 2.23% | 1.90% | 2.29% | 2.37% | 2.00% | 2.03% | 2.07% | 2.18% |
| Portfolio components: | ||||||||||||
VTI Vanguard Total Stock Market ETF | 1.45% | 1.27% | 1.44% | 1.67% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% |
VXUS Vanguard Total International Stock ETF | 3.18% | 3.37% | 3.25% | 3.09% | 3.10% | 2.14% | 3.06% | 3.17% | 2.73% | 2.93% | 2.83% | 3.40% |
BNDX Vanguard Total International Bond ETF | 4.25% | 4.18% | 4.42% | 1.52% | 3.74% | 1.11% | 3.40% | 3.01% | 2.23% | 1.89% | 1.63% | 1.54% |
BLV Vanguard Long-Term Bond ETF | 4.69% | 4.68% | 4.06% | 4.17% | 3.37% | 5.84% | 3.57% | 4.07% | 3.63% | 4.16% | 4.37% | 3.90% |
BIV Vanguard Intermediate-Term Bond ETF | 3.83% | 3.79% | 3.10% | 2.41% | 3.42% | 2.96% | 2.75% | 2.87% | 2.69% | 2.38% | 3.02% | 3.96% |
VAIGX Vanguard Advice Select International Growth Fund | 0.31% | 0.32% | 0.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VAGVX Vanguard Advice Select Global Value Fund | 1.97% | 1.90% | 1.41% | 0.60% | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VADGX Vanguard Advice Select Dividend Growth Fund | 1.32% | 1.25% | 1.21% | 0.81% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VHCAX Vanguard Capital Opportunity Fund Admiral Shares | 0.86% | 0.77% | 0.76% | 0.88% | 0.45% | 0.52% | 0.81% | 0.94% | 0.67% | 0.77% | 0.67% | 0.67% |
VZICX Vanguard International Core Stock Fund Admiral Shares | 2.00% | 2.10% | 2.20% | 2.10% | 2.82% | 1.89% | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VNQ Vanguard Real Estate ETF | 4.18% | 3.85% | 3.95% | 3.91% | 2.56% | 3.93% | 3.39% | 4.74% | 4.23% | 4.82% | 3.92% | 3.60% |
AAPL Apple Inc | 0.51% | 0.40% | 0.49% | 0.70% | 0.49% | 0.61% | 1.04% | 1.79% | 1.45% | 1.93% | 1.93% | 1.67% |
BSV Vanguard Short-Term Bond ETF | 3.51% | 3.38% | 2.46% | 1.50% | 1.36% | 1.79% | 2.29% | 1.99% | 1.65% | 1.49% | 1.40% | 1.45% |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the Vanguard Moderate. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Vanguard Moderate was 22.06%, occurring on Oct 14, 2022. Recovery took 419 trading sessions.
The current Vanguard Moderate drawdown is 5.42%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -22.06% | Nov 10, 2021 | 234 | Oct 14, 2022 | 419 | Jun 17, 2024 | 653 |
| -10.31% | Feb 19, 2025 | 35 | Apr 8, 2025 | — | — | — |
| -4.18% | Dec 9, 2024 | 23 | Jan 13, 2025 | 22 | Feb 13, 2025 | 45 |
| -4.16% | Jul 17, 2024 | 16 | Aug 7, 2024 | 8 | Aug 19, 2024 | 24 |
| -2.23% | Oct 21, 2024 | 10 | Nov 1, 2024 | 18 | Nov 27, 2024 | 28 |
Volatility
Volatility Chart
The current Vanguard Moderate volatility is 7.46%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Diversification
Asset Correlations Table
| BNDX | BSV | BLV | BIV | AAPL | VNQ | VADGX | VAIGX | VZICX | VHCAX | VXUS | VTI | VAGVX | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BNDX | 1.00 | 0.75 | 0.80 | 0.83 | 0.14 | 0.28 | 0.17 | 0.18 | 0.12 | 0.14 | 0.18 | 0.15 | 0.15 |
| BSV | 0.75 | 1.00 | 0.76 | 0.92 | 0.13 | 0.28 | 0.17 | 0.18 | 0.16 | 0.12 | 0.20 | 0.14 | 0.15 |
| BLV | 0.80 | 0.76 | 1.00 | 0.92 | 0.17 | 0.35 | 0.24 | 0.21 | 0.18 | 0.19 | 0.23 | 0.20 | 0.21 |
| BIV | 0.83 | 0.92 | 0.92 | 1.00 | 0.16 | 0.34 | 0.22 | 0.22 | 0.19 | 0.17 | 0.23 | 0.18 | 0.19 |
| AAPL | 0.14 | 0.13 | 0.17 | 0.16 | 1.00 | 0.44 | 0.56 | 0.59 | 0.50 | 0.65 | 0.54 | 0.71 | 0.58 |
| VNQ | 0.28 | 0.28 | 0.35 | 0.34 | 0.44 | 1.00 | 0.72 | 0.52 | 0.56 | 0.63 | 0.62 | 0.68 | 0.71 |
| VADGX | 0.17 | 0.17 | 0.24 | 0.22 | 0.56 | 0.72 | 1.00 | 0.57 | 0.63 | 0.73 | 0.66 | 0.80 | 0.77 |
| VAIGX | 0.18 | 0.18 | 0.21 | 0.22 | 0.59 | 0.52 | 0.57 | 1.00 | 0.78 | 0.85 | 0.82 | 0.81 | 0.79 |
| VZICX | 0.12 | 0.16 | 0.18 | 0.19 | 0.50 | 0.56 | 0.63 | 0.78 | 1.00 | 0.78 | 0.97 | 0.76 | 0.89 |
| VHCAX | 0.14 | 0.12 | 0.19 | 0.17 | 0.65 | 0.63 | 0.73 | 0.85 | 0.78 | 1.00 | 0.81 | 0.95 | 0.88 |
| VXUS | 0.18 | 0.20 | 0.23 | 0.23 | 0.54 | 0.62 | 0.66 | 0.82 | 0.97 | 0.81 | 1.00 | 0.79 | 0.91 |
| VTI | 0.15 | 0.14 | 0.20 | 0.18 | 0.71 | 0.68 | 0.80 | 0.81 | 0.76 | 0.95 | 0.79 | 1.00 | 0.88 |
| VAGVX | 0.15 | 0.15 | 0.21 | 0.19 | 0.58 | 0.71 | 0.77 | 0.79 | 0.89 | 0.88 | 0.91 | 0.88 | 1.00 |