REDWX vs. VTSAX

Last updated Jun 24, 2026

REDWX (Aspiration Redwood Fund) and VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) are both Large Cap Blend Equities funds. Over the past 10 years, REDWX returned 13.49%/yr vs 15.29%/yr for VTSAX. Their correlation of 0.93 suggests significant overlap in exposure. REDWX charges 2.50%/yr vs 0.04%/yr for VTSAX.

Performance

REDWX vs. VTSAX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Aspiration Redwood Fund (REDWX) and Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, REDWX achieves a 5.56% return, which is significantly lower than VTSAX's 10.33% return. Over the past 10 years, REDWX has underperformed VTSAX with an annualized return of 13.49%, while VTSAX has yielded a comparatively higher 15.29% annualized return.

REDWX

• 1D: -1.12%
• 1M: -0.37%
• YTD: 5.56%
• 6M: 4.73%
• 1Y: 18.11%
• 3Y*: 14.45%
• 5Y*: 8.18%
• 10Y*: 13.49%

VTSAX

• 1D: -0.34%
• 1M: 0.55%
• YTD: 10.33%
• 6M: 9.19%
• 1Y: 25.93%
• 3Y*: 21.17%
• 5Y*: 12.36%
• 10Y*: 15.29%

*Multi-year figures are annualized to reflect compound growth (CAGR)

REDWX vs. VTSAX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
REDWX Aspiration Redwood Fund	5.56%	18.06%	7.91%	23.24%	-20.30%	26.83%	15.89%	37.29%	-8.58%	22.53%
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares	10.33%	17.12%	23.23%	26.51%	-19.52%	25.72%	20.98%	30.79%	-5.18%	21.16%

Correlation

The correlation between REDWX and VTSAX is 0.91, 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	0.91
Correlation (3Y) Calculated over the trailing 3-year period	0.91
Correlation (5Y) Calculated over the trailing 5-year period	0.94
Correlation (10Y) Calculated over the trailing 10-year period	0.93
Correlation (All Time) Calculated using the full available price history since Jan 4, 2016	0.93

The correlation between REDWX and VTSAX has been stable across timeframes, ranging from 0.91 to 0.94 - a consistent structural relationship.

Return for Risk

REDWX vs. VTSAX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

REDWX

REDWX Risk / Return Rank: 26
REDWX Sharpe Ratio Rank: 30
REDWX Sortino Ratio Rank: 30
REDWX Omega Ratio Rank: 27
REDWX Calmar Ratio Rank: 19
REDWX Martin Ratio Rank: 24

VTSAX

VTSAX Risk / Return Rank: 65
VTSAX Sharpe Ratio Rank: 62
VTSAX Sortino Ratio Rank: 56
VTSAX Omega Ratio Rank: 57
VTSAX Calmar Ratio Rank: 70
VTSAX Martin Ratio Rank: 79

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.

REDWX vs. VTSAX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Aspiration Redwood Fund (REDWX) and Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX). 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.

	REDWX	VTSAX	Difference
Sharpe ratio: Return per unit of total volatility	1.47	2.13	-0.66
Sortino ratio: Return per unit of downside risk	2.10	2.88	-0.78
Omega ratio: Gain probability vs. loss probability	1.25	1.38	-0.13
Calmar ratio: Return relative to maximum drawdown	1.45	3.05	-1.60
Martin ratio: Return relative to average drawdown	5.39	13.67	-8.28

REDWX vs. VTSAX - Sharpe Ratio Comparison

The current REDWX Sharpe Ratio is 1.47, which is lower than the VTSAX Sharpe Ratio of 2.13. The chart below compares the historical Sharpe Ratios of REDWX and VTSAX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

REDWX vs. VTSAX - Drawdown Comparison

The maximum REDWX drawdown since its inception was -41.09%, smaller than the maximum VTSAX drawdown of -55.33%. Use the drawdown chart below to compare losses from any high point for REDWX and VTSAX.

Drawdown Indicators

	REDWX	VTSAX	Difference
Max Drawdown Largest peak-to-trough decline	-41.09%	-55.33%	+14.24%
Max Drawdown (1Y) Largest decline over 1 year	-13.47%	-8.92%	-4.55%
Max Drawdown (3Y) Largest decline over 3 years	-18.23%	-19.36%	+1.13%
Max Drawdown (5Y) Largest decline over 5 years	-26.04%	-25.36%	-0.68%
Max Drawdown (10Y) Largest decline over 10 years	-41.09%	-34.97%	-6.12%
Current Drawdown Current decline from peak	-3.17%	-1.47%	-1.70%
Average Drawdown Average peak-to-trough decline	-5.56%	-8.99%	+3.43%
Ulcer Index Depth and duration of drawdowns from previous peaks	3.61%	1.99%	+1.62%

Volatility

REDWX vs. VTSAX - Volatility Comparison

Aspiration Redwood Fund (REDWX) has a higher volatility of 5.30% compared to Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) at 4.77%. This indicates that REDWX's price experiences larger fluctuations and is considered to be riskier than VTSAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	REDWX	VTSAX	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.30%	4.77%	+0.53%
Volatility (6M) Calculated over the trailing 6-month period	10.71%	10.05%	+0.66%
Volatility (1Y) Calculated over the trailing 1-year period	13.37%	12.83%	+0.54%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	18.01%	17.45%	+0.56%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	20.41%	18.46%	+1.95%

REDWX vs. VTSAX - Expense Ratio Comparison

REDWX has a 2.50% expense ratio, which is higher than VTSAX's 0.04% expense ratio.

Dividends

REDWX vs. VTSAX - Dividend Comparison

REDWX's dividend yield for the trailing twelve months is around 11.92%, more than VTSAX's 1.01% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
REDWX Aspiration Redwood Fund	11.92%	12.59%	7.55%	0.44%	2.40%	9.99%	0.00%	9.08%	9.75%	4.66%	5.17%	0.00%
VTSAX Vanguard Total Stock Market Index Fund Admiral Shares	1.01%	1.11%	1.26%	1.42%	1.65%	1.20%	1.41%	1.76%	2.03%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both REDWX and VTSAX in my portfolio?

With a correlation of 0.91, REDWX and VTSAX 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.

Which is riskier, REDWX or VTSAX?

REDWX has higher volatility (5.30%) compared to VTSAX (4.77%). In terms of maximum drawdown, REDWX dropped -41.09% vs VTSAX's -55.33%.

Which has better risk-adjusted returns?

VTSAX currently has the higher Sharpe Ratio (2.13 vs 1.47), 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.