VBIAX vs. SWOBX
Compare and contrast key facts about Vanguard Balanced Index Fund Admiral Shares (VBIAX) and Schwab Balanced Fund™ (SWOBX).
VBIAX is managed by Vanguard. It was launched on Nov 13, 2000. SWOBX is managed by Charles Schwab. It was launched on Nov 17, 1996.
Performance
VBIAX vs. SWOBX - Performance Comparison
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VBIAX vs. SWOBX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VBIAX Vanguard Balanced Index Fund Admiral Shares | -4.19% | 13.61% | 14.58% | 17.54% | -16.90% | 14.21% | 16.40% | 21.78% | -2.86% | 13.89% |
SWOBX Schwab Balanced Fund™ | -4.75% | 12.76% | 12.51% | 18.25% | -18.86% | 14.76% | 14.73% | 20.13% | -4.35% | 15.52% |
Returns By Period
In the year-to-date period, VBIAX achieves a -4.19% return, which is significantly higher than SWOBX's -4.75% return. Over the past 10 years, VBIAX has outperformed SWOBX with an annualized return of 8.77%, while SWOBX has yielded a comparatively lower 7.90% annualized return.
VBIAX
- 1D
- -0.06%
- 1M
- -5.43%
- YTD
- -4.19%
- 6M
- -2.40%
- 1Y
- 10.89%
- 3Y*
- 11.56%
- 5Y*
- 6.33%
- 10Y*
- 8.77%
SWOBX
- 1D
- -0.06%
- 1M
- -6.07%
- YTD
- -4.75%
- 6M
- -2.83%
- 1Y
- 9.96%
- 3Y*
- 10.26%
- 5Y*
- 5.35%
- 10Y*
- 7.90%
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VBIAX vs. SWOBX - Expense Ratio Comparison
VBIAX has a 0.07% expense ratio, which is higher than SWOBX's 0.00% 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%.
Return for Risk
VBIAX vs. SWOBX — Risk / Return Rank
VBIAX
SWOBX
VBIAX vs. SWOBX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Balanced Index Fund Admiral Shares (VBIAX) and Schwab Balanced Fund™ (SWOBX). 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.
| VBIAX | SWOBX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.01 | 0.90 | +0.10 |
Sortino ratioReturn per unit of downside risk | 1.51 | 1.37 | +0.14 |
Omega ratioGain probability vs. loss probability | 1.22 | 1.19 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.31 | 1.23 | +0.08 |
Martin ratioReturn relative to average drawdown | 6.22 | 5.34 | +0.88 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| VBIAX | SWOBX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.01 | 0.90 | +0.10 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.58 | 0.39 | +0.19 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.79 | 0.62 | +0.17 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.60 | 0.58 | +0.02 |
Correlation
The correlation between VBIAX and SWOBX is 0.97, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
VBIAX vs. SWOBX - Dividend Comparison
VBIAX's dividend yield for the trailing twelve months is around 5.84%, more than SWOBX's 5.75% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VBIAX Vanguard Balanced Index Fund Admiral Shares | 5.84% | 6.00% | 5.27% | 4.35% | 2.83% | 3.19% | 2.65% | 2.28% | 2.32% | 1.95% | 2.09% | 2.09% |
SWOBX Schwab Balanced Fund™ | 5.75% | 5.47% | 4.94% | 5.67% | 10.21% | 6.47% | 2.97% | 5.21% | 7.11% | 3.20% | 7.83% | 7.66% |
Drawdowns
VBIAX vs. SWOBX - Drawdown Comparison
The maximum VBIAX drawdown since its inception was -35.90%, roughly equal to the maximum SWOBX drawdown of -35.99%. Use the drawdown chart below to compare losses from any high point for VBIAX and SWOBX.
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Drawdown Indicators
| VBIAX | SWOBX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -35.90% | -35.99% | +0.09% |
Max Drawdown (1Y)Largest decline over 1 year | -7.78% | -7.36% | -0.42% |
Max Drawdown (5Y)Largest decline over 5 years | -21.53% | -28.30% | +6.77% |
Max Drawdown (10Y)Largest decline over 10 years | -22.78% | -28.30% | +5.52% |
Current DrawdownCurrent decline from peak | -5.83% | -6.58% | +0.75% |
Average DrawdownAverage peak-to-trough decline | -4.47% | -6.25% | +1.78% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.64% | 1.69% | -0.05% |
Volatility
VBIAX vs. SWOBX - Volatility Comparison
The current volatility for Vanguard Balanced Index Fund Admiral Shares (VBIAX) is 3.07%, while Schwab Balanced Fund™ (SWOBX) has a volatility of 3.45%. This indicates that VBIAX experiences smaller price fluctuations and is considered to be less risky than SWOBX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VBIAX | SWOBX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.07% | 3.45% | -0.38% |
Volatility (6M)Calculated over the trailing 6-month period | 5.93% | 6.32% | -0.39% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.27% | 11.23% | +0.04% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.02% | 13.91% | -2.89% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.17% | 12.83% | -1.66% |