TDIFX vs. VTI

Last updated Jun 3, 2026

TDIFX (Dimensional Retirement Income Fund) and VTI (Vanguard Total Stock Market ETF) are both funds - TDIFX is a Target Retirement Date fund managed by Dimensional, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Over the past 10 years, TDIFX returned 5.11%/yr vs 15.13%/yr for VTI. A 0.68 correlation means they provide meaningful diversification when combined. TDIFX charges 0.06%/yr vs 0.03%/yr for VTI.

Performance

TDIFX vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Dimensional Retirement Income Fund (TDIFX) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, TDIFX achieves a 3.79% return, which is significantly lower than VTI's 12.01% return. Over the past 10 years, TDIFX has underperformed VTI with an annualized return of 5.11%, while VTI has yielded a comparatively higher 15.13% annualized return.

TDIFX

• 1D: 0.00%
• 1M: 0.97%
• YTD: 3.79%
• 6M: 3.97%
• 1Y: 8.35%
• 3Y*: 7.12%
• 5Y*: 5.06%
• 10Y*: 5.11%

VTI

• 1D: 0.26%
• 1M: 5.37%
• YTD: 12.01%
• 6M: 12.40%
• 1Y: 30.01%
• 3Y*: 22.37%
• 5Y*: 13.05%
• 10Y*: 15.13%

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

TDIFX vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
TDIFX Dimensional Retirement Income Fund	3.79%	7.22%	6.21%	7.76%	-9.37%	14.53%	9.33%	9.96%	-1.98%	5.17%
VTI Vanguard Total Stock Market ETF	12.01%	17.10%	23.81%	26.05%	-19.52%	25.68%	21.08%	30.67%	-5.23%	21.21%

Correlation

The correlation between TDIFX and VTI is 0.70, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.70
Correlation (3Y) Calculated over the trailing 3-year period	0.72
Correlation (5Y) Calculated over the trailing 5-year period	0.70
Correlation (10Y) Calculated over the trailing 10-year period	0.68
Correlation (All Time) Calculated using the full available price history since Jan 5, 2016	0.68

The correlation between TDIFX and VTI has been stable across timeframes, ranging from 0.68 to 0.72 - a consistent structural relationship.

Return for Risk

TDIFX vs. VTI — Risk / Return Rank

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

TDIFX

TDIFX Risk / Return Rank: 85
TDIFX Sharpe Ratio Rank: 87
TDIFX Sortino Ratio Rank: 86
TDIFX Omega Ratio Rank: 85
TDIFX Calmar Ratio Rank: 81
TDIFX Martin Ratio Rank: 87

VTI

VTI Risk / Return Rank: 74
VTI Sharpe Ratio Rank: 75
VTI Sortino Ratio Rank: 74
VTI Omega Ratio Rank: 74
VTI Calmar Ratio Rank: 68
VTI Martin Ratio Rank: 80

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.

TDIFX vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Dimensional Retirement Income Fund (TDIFX) and Vanguard Total Stock Market ETF (VTI). 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.

	TDIFX	VTI	Difference
Sharpe ratio Return per unit of total volatility	2.82	2.48	+0.34
Sortino ratio Return per unit of downside risk	4.10	3.37	+0.72
Omega ratio Gain probability vs. loss probability	1.57	1.45	+0.13
Calmar ratio Return relative to maximum drawdown	3.71	3.44	+0.27
Martin ratio Return relative to average drawdown	16.77	15.88	+0.89
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

TDIFX vs. VTI - Sharpe Ratio Comparison

The current TDIFX Sharpe Ratio is 2.82, which is comparable to the VTI Sharpe Ratio of 2.48. The chart below compares the historical Sharpe Ratios of TDIFX and VTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	TDIFX	VTI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.82	2.48	+0.34
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.88	0.75	+0.13
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	1.02	0.83	+0.19
Sharpe Ratio (All Time) Calculated using the full available price history	1.06	0.51	+0.55

Drawdowns

TDIFX vs. VTI - Drawdown Comparison

The maximum TDIFX drawdown since its inception was -12.21%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for TDIFX and VTI.

Drawdown Indicators

	TDIFX	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-12.21%	-55.45%	+43.24%
Max Drawdown (1Y) Largest decline over 1 year	-2.61%	-8.92%	+6.31%
Max Drawdown (3Y) Largest decline over 3 years	-3.51%	-19.30%	+15.79%
Max Drawdown (5Y) Largest decline over 5 years	-12.21%	-25.36%	+13.15%
Max Drawdown (10Y) Largest decline over 10 years	-12.21%	-35.00%	+22.79%
Current Drawdown Current decline from peak	0.00%	0.00%	0.00%
Average Drawdown Average peak-to-trough decline	-1.75%	-8.03%	+6.28%
Ulcer Index Depth and duration of drawdowns from previous peaks	0.58%	1.93%	-1.35%

Volatility

TDIFX vs. VTI - Volatility Comparison

The current volatility for Dimensional Retirement Income Fund (TDIFX) is 1.01%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 2.86%. This indicates that TDIFX experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	TDIFX	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.01%	2.86%	-1.85%
Volatility (6M) Calculated over the trailing 6-month period	2.50%	9.11%	-6.61%
Volatility (1Y) Calculated over the trailing 1-year period	3.34%	12.15%	-8.81%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	5.89%	17.40%	-11.51%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	5.06%	18.30%	-13.24%

TDIFX vs. VTI - Expense Ratio Comparison

TDIFX has a 0.06% expense ratio, which is higher than VTI's 0.03% 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

TDIFX vs. VTI - Dividend Comparison

TDIFX's dividend yield for the trailing twelve months is around 1.99%, more than VTI's 1.01% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
TDIFX Dimensional Retirement Income Fund	1.99%	1.77%	3.11%	3.09%	4.66%	9.39%	1.39%	1.98%	2.11%	0.98%	0.89%	0.00%
VTI Vanguard Total Stock Market ETF	1.01%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both TDIFX and VTI in my portfolio?

TDIFX and VTI have a correlation of 0.70, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, TDIFX or VTI?

VTI has higher volatility (2.86%) compared to TDIFX (1.01%). In terms of maximum drawdown, TDIFX dropped -12.21% vs VTI's -55.45%.

Which has better risk-adjusted returns?

TDIFX currently has the higher Sharpe Ratio (2.82 vs 2.48), 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.