INPAX vs. VSCGX
INPAX (American Funds Conservative Growth and Income Portfolio) and VSCGX (Vanguard LifeStrategy 40/60 Fund) are both Diversified Portfolio funds. Over the past 10 years, INPAX returned 6.91%/yr vs 6.24%/yr for VSCGX. Their correlation of 0.91 means they have usually moved in the same direction. INPAX charges 0.33%/yr vs 0.10%/yr for VSCGX.
Performance
INPAX vs. VSCGX - Performance Comparison
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Returns By Period
In the year-to-date period, INPAX achieves a 5.00% return, which is significantly higher than VSCGX's 4.33% return. Over the past 10 years, INPAX has outperformed VSCGX with an annualized return of 6.91%, while VSCGX has yielded a comparatively lower 6.24% annualized return.
INPAX
- 1D
- 0.48%
- 1M
- 0.14%
- 6M
- 2.97%
- YTD
- 5.00%
- 1Y
- 11.10%
- 3Y*
- 10.60%
- 5Y*
- 6.20%
- 10Y*
- 6.91%
- ALL TIME*
- 7.18%
VSCGX
- 1D
- 0.90%
- 1M
- -0.66%
- 6M
- 2.82%
- YTD
- 4.33%
- 1Y
- 10.37%
- 3Y*
- 10.94%
- 5Y*
- 4.93%
- 10Y*
- 6.24%
- ALL TIME*
- 6.72%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
INPAX vs. VSCGX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
INPAX American Funds Conservative Growth and Income Portfolio | 5.00% | 13.33% | 9.26% | 9.53% | -8.71% | 12.96% | 5.72% | 15.82% | -3.60% | 11.57% |
VSCGX Vanguard LifeStrategy 40/60 Fund | 4.33% | 12.87% | 11.65% | 12.72% | -15.00% | 6.04% | 11.51% | 15.69% | -2.95% | 10.02% |
Correlation
The correlation between INPAX and VSCGX is 0.91, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.91 |
Correlation (3Y) Balances recent behavior with more history. | 0.90 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.91 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.90 |
Correlation (All Time) Calculated using the full available price history since May 21, 2012 | 0.91 |
The correlation between INPAX and VSCGX has been stable across timeframes, ranging from 0.90 to 0.91 - a consistent structural relationship.
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Return for Risk
INPAX vs. VSCGX — Risk / Return Rank
INPAX
VSCGX
INPAX vs. VSCGX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds Conservative Growth and Income Portfolio (INPAX) and Vanguard LifeStrategy 40/60 Fund (VSCGX). 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.
| INPAX | VSCGX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.19 | ||
| Sortino ratioReturn per unit of downside risk | +0.22 | ||
| Omega ratioGain probability vs. loss probability | 1.32 | 1.28 | +0.04 |
| Calmar ratioReturn relative to maximum drawdown | 1.78 | 1.94 | -0.15 |
| Martin ratioReturn relative to average drawdown | 7.71 | 8.03 | -0.32 |
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Drawdowns
INPAX vs. VSCGX - Drawdown Comparison
The maximum INPAX drawdown since its inception was -21.25%, smaller than the maximum VSCGX drawdown of -30.62%. Use the drawdown chart below to compare losses from any high point for INPAX and VSCGX.
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Drawdown Indicators
| INPAX | VSCGX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -21.25% | -30.62% | +9.37% |
Max Drawdown (1Y)Largest decline over 1 year | -5.89% | -5.19% | -0.70% |
Max Drawdown (3Y)Largest decline over 3 years | -7.77% | -6.17% | -1.60% |
Max Drawdown (5Y)Largest decline over 5 years | -15.36% | -20.15% | +4.79% |
Max Drawdown (10Y)Largest decline over 10 years | -21.25% | -20.15% | -1.10% |
Current DrawdownCurrent decline from peak | -0.14% | -1.25% | +1.11% |
Average DrawdownAverage peak-to-trough decline | -2.29% | -2.99% | +0.70% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.36% | 1.25% | +0.11% |
Volatility
INPAX vs. VSCGX - Volatility Comparison
The current volatility for American Funds Conservative Growth and Income Portfolio (INPAX) is 1.40%, while Vanguard LifeStrategy 40/60 Fund (VSCGX) has a volatility of 2.06%. This indicates that INPAX experiences smaller price fluctuations and is considered to be less risky than VSCGX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| INPAX | VSCGX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.40% | 2.06% | -0.66% |
Volatility (6M)Calculated over the trailing 6-month period | 5.05% | 5.77% | -0.72% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.25% | 6.75% | -0.50% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.57% | 7.81% | -0.24% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.31% | 7.40% | +0.91% |
INPAX vs. VSCGX - Expense Ratio Comparison
INPAX has a 0.33% expense ratio, which is higher than VSCGX's 0.10% expense ratio.
Dividends
INPAX vs. VSCGX - Dividend Comparison
INPAX's dividend yield for the trailing twelve months is around 4.79%, less than VSCGX's 5.33% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
INPAX American Funds Conservative Growth and Income Portfolio | 4.79% | 4.87% | 5.21% | 4.82% | 4.90% | 4.43% | 5.59% | 4.57% | 4.85% | 3.29% | 3.58% | 3.90% |
VSCGX Vanguard LifeStrategy 40/60 Fund | 5.33% | 5.50% | 11.03% | 5.23% | 2.79% | 4.18% | 3.28% | 2.62% | 3.81% | 1.65% | 2.43% | 3.21% |
Frequently Asked Questions
With a correlation of 0.91, INPAX and VSCGX 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.
VSCGX has higher volatility (2.06%) compared to INPAX (1.40%). In terms of maximum drawdown, INPAX dropped -21.25% vs VSCGX's -30.62%.
INPAX currently has the higher Sharpe Ratio (1.69 vs 1.49), 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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