TGRO.TO vs. VRIF.TO
TGRO.TO (TD Growth ETF Portfolio) and VRIF.TO (Vanguard Retirement Income ETF Portfolio) are both Diversified Portfolio funds. Both are actively managed. Over the past 5 years, TGRO.TO returned 12.56%/yr vs 4.62%/yr for VRIF.TO. A 0.75 correlation means they provide meaningful diversification when combined. TGRO.TO charges 0.17%/yr vs 0.29%/yr for VRIF.TO.
Performance
TGRO.TO vs. VRIF.TO - Performance Comparison
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Returns By Period
In the year-to-date period, TGRO.TO achieves a 10.16% return, which is significantly higher than VRIF.TO's 5.29% return.
TGRO.TO
- 1D
- -0.24%
- 1M
- -0.20%
- YTD
- 10.16%
- 6M
- 9.50%
- 1Y
- 24.12%
- 3Y*
- 19.83%
- 5Y*
- 12.56%
- 10Y*
- —
VRIF.TO
- 1D
- 0.11%
- 1M
- 0.58%
- YTD
- 5.29%
- 6M
- 5.06%
- 1Y
- 11.63%
- 3Y*
- 10.10%
- 5Y*
- 4.62%
- 10Y*
- —
TGRO.TO vs. VRIF.TO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
TGRO.TO TD Growth ETF Portfolio | 10.16% | 18.03% | 21.06% | 18.36% | -11.39% | 20.64% | 7.77% |
VRIF.TO Vanguard Retirement Income ETF Portfolio | 5.29% | 10.60% | 8.42% | 8.96% | -11.50% | 7.44% | 5.09% |
Correlation
The correlation between TGRO.TO and VRIF.TO is 0.89, 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 | 0.89 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.77 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.74 |
Correlation (All Time) Calculated using the full available price history since Sep 16, 2020 | 0.75 |
The correlation between TGRO.TO and VRIF.TO shifts across timeframes, from 0.74 (5 years) to 0.89 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
TGRO.TO vs. VRIF.TO — Risk / Return Rank
TGRO.TO
VRIF.TO
TGRO.TO vs. VRIF.TO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TD Growth ETF Portfolio (TGRO.TO) and Vanguard Retirement Income ETF Portfolio (VRIF.TO). 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.
| TGRO.TO | VRIF.TO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.24 | ||
| Sortino ratioReturn per unit of downside risk | +0.19 | ||
| Omega ratioGain probability vs. loss probability | 1.43 | 1.40 | +0.03 |
| Calmar ratioReturn relative to maximum drawdown | 3.36 | 2.56 | +0.81 |
| Martin ratioReturn relative to average drawdown | 14.57 | 10.52 | +4.05 |
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Drawdowns
TGRO.TO vs. VRIF.TO - Drawdown Comparison
The maximum TGRO.TO drawdown since its inception was -18.37%, which is greater than VRIF.TO's maximum drawdown of -16.19%. Use the drawdown chart below to compare losses from any high point for TGRO.TO and VRIF.TO.
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Drawdown Indicators
| TGRO.TO | VRIF.TO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.37% | -16.19% | -2.18% |
Max Drawdown (1Y)Largest decline over 1 year | -7.21% | -4.57% | -2.64% |
Max Drawdown (3Y)Largest decline over 3 years | -13.53% | -5.01% | -8.52% |
Max Drawdown (5Y)Largest decline over 5 years | -18.37% | -16.19% | -2.18% |
Current DrawdownCurrent decline from peak | -1.16% | -0.40% | -0.76% |
Average DrawdownAverage peak-to-trough decline | -3.46% | -3.84% | +0.38% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.66% | 1.11% | +0.55% |
Volatility
TGRO.TO vs. VRIF.TO - Volatility Comparison
TD Growth ETF Portfolio (TGRO.TO) has a higher volatility of 3.51% compared to Vanguard Retirement Income ETF Portfolio (VRIF.TO) at 1.81%. This indicates that TGRO.TO's price experiences larger fluctuations and is considered to be riskier than VRIF.TO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TGRO.TO | VRIF.TO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.51% | 1.81% | +1.70% |
Volatility (6M)Calculated over the trailing 6-month period | 8.60% | 4.83% | +3.77% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.39% | 5.57% | +4.82% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.80% | 6.26% | +5.54% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.62% | 6.26% | +5.36% |
TGRO.TO vs. VRIF.TO - Expense Ratio Comparison
TGRO.TO has a 0.17% expense ratio, which is lower than VRIF.TO's 0.29% expense ratio.
Dividends
TGRO.TO vs. VRIF.TO - Dividend Comparison
TGRO.TO's dividend yield for the trailing twelve months is around 1.77%, less than VRIF.TO's 3.71% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
TGRO.TO TD Growth ETF Portfolio | 1.77% | 2.03% | 2.06% | 2.16% | 2.46% | 1.71% | 0.83% |
VRIF.TO Vanguard Retirement Income ETF Portfolio | 3.71% | 3.77% | 3.94% | 4.32% | 4.72% | 3.86% | 1.27% |
Frequently Asked Questions
TGRO.TO and VRIF.TO have a correlation of 0.89, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, TGRO.TO is cheaper at 0.17% per year. The better choice depends on whether you care most about return, fees, risk, or income.
TGRO.TO is cheaper with a 0.17% expense ratio, compared with 0.29% for VRIF.TO.
They also come from different issuers: TD and Vanguard. Their fees differ too: 0.17% for TGRO.TO and 0.29% for VRIF.TO.
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