USIBX vs. VTI
Compare and contrast key facts about USAA Intermediate Term Bond Fund (USIBX) and Vanguard Total Stock Market ETF (VTI).
USIBX is managed by Victory Capital. It was launched on Aug 2, 1999. VTI is a passively managed fund by Vanguard that tracks the performance of the CRSP US Total Market Index. It was launched on May 24, 2001.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: USIBX or VTI.
Key characteristics
| USIBX | VTI | |
|---|---|---|
| YTD Return | 3.21% | 26.70% |
| 1Y Return | 9.57% | 38.81% |
| 3Y Return (Ann) | -1.95% | 8.86% |
| 5Y Return (Ann) | -0.00% | 15.46% |
| 10Y Return (Ann) | 1.85% | 12.95% |
| Sharpe Ratio | 1.78 | 3.23 |
| Sortino Ratio | 2.62 | 4.29 |
| Omega Ratio | 1.32 | 1.60 |
| Calmar Ratio | 0.61 | 4.77 |
| Martin Ratio | 6.87 | 21.07 |
| Ulcer Index | 1.41% | 1.94% |
| Daily Std Dev | 5.47% | 12.59% |
| Max Drawdown | -20.24% | -55.45% |
| Current Drawdown | -7.83% | 0.00% |
Correlation
The correlation between USIBX and VTI is -0.14. This indicates that the assets' prices tend to move in opposite directions. Negative correlation can be particularly beneficial for diversification and risk management, as one asset may offset the losses of the other during market fluctuations.
Performance
USIBX vs. VTI - Performance Comparison
In the year-to-date period, USIBX achieves a 3.21% return, which is significantly lower than VTI's 26.70% return. Over the past 10 years, USIBX has underperformed VTI with an annualized return of 1.85%, while VTI has yielded a comparatively higher 12.95% annualized return. The chart below displays the growth of a $10,000 investment in both assets, with all prices adjusted for splits and dividends.
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USIBX vs. VTI - Expense Ratio Comparison
USIBX has a 0.63% expense ratio, which is higher than VTI's 0.03% expense ratio.
Risk-Adjusted Performance
USIBX vs. VTI - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Intermediate Term Bond Fund (USIBX) 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.
Dividends
USIBX vs. VTI - Dividend Comparison
USIBX's dividend yield for the trailing twelve months is around 4.44%, more than VTI's 1.26% yield.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USIBX USAA Intermediate Term Bond Fund | 4.44% | 4.09% | 3.19% | 2.32% | 3.01% | 3.58% | 3.68% | 3.45% | 3.86% | 4.23% | 4.11% | 4.38% |
VTI Vanguard Total Stock Market ETF | 1.26% | 1.44% | 1.67% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% | 1.74% |
Drawdowns
USIBX vs. VTI - Drawdown Comparison
The maximum USIBX drawdown since its inception was -20.24%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for USIBX and VTI. For additional features, visit the drawdowns tool.
Volatility
USIBX vs. VTI - Volatility Comparison
The current volatility for USAA Intermediate Term Bond Fund (USIBX) is 1.67%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 4.07%. This indicates that USIBX 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.