VBINX vs. VTIAX
VBINX (Vanguard Balanced Index Fund) and VTIAX (Vanguard Total International Stock Index Fund Admiral Shares) are both mutual funds - VBINX is a Diversified Portfolio fund managed by Vanguard, while VTIAX is a Foreign Large Cap Equities fund tracking the FTSE Global All Cap ex US Index. Over the past 10 years, VBINX returned 9.97%/yr vs 9.85%/yr for VTIAX. Their correlation of 0.81 suggests significant overlap in exposure. VBINX charges 0.18%/yr vs 0.09%/yr for VTIAX.
Performance
VBINX vs. VTIAX - Performance Comparison
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Returns By Period
In the year-to-date period, VBINX achieves a 7.32% return, which is significantly lower than VTIAX's 15.40% return. Both investments have delivered pretty close results over the past 10 years, with VBINX having a 9.97% annualized return and VTIAX not far behind at 9.85%.
VBINX
- 1D
- 0.15%
- 1M
- 3.69%
- YTD
- 7.32%
- 6M
- 7.20%
- 1Y
- 19.24%
- 3Y*
- 15.97%
- 5Y*
- 8.48%
- 10Y*
- 9.97%
VTIAX
- 1D
- 0.60%
- 1M
- 5.53%
- YTD
- 15.40%
- 6M
- 18.19%
- 1Y
- 33.34%
- 3Y*
- 19.78%
- 5Y*
- 8.81%
- 10Y*
- 9.85%
VBINX vs. VTIAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VBINX Vanguard Balanced Index Fund | 7.32% | 13.46% | 17.63% | 17.41% | -16.98% | 13.62% | 16.26% | 21.67% | -2.97% | 13.75% |
VTIAX Vanguard Total International Stock Index Fund Admiral Shares | 15.40% | 32.18% | 5.34% | 15.28% | -16.02% | 8.59% | 11.27% | 21.52% | -14.46% | 27.54% |
Correlation
The correlation between VBINX and VTIAX is 0.82, 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 | 0.82 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.77 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.78 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.79 |
Correlation (All Time) Calculated using the full available price history since Nov 30, 2010 | 0.81 |
The correlation between VBINX and VTIAX has been stable across timeframes, ranging from 0.77 to 0.82 - a consistent structural relationship.
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Return for Risk
VBINX vs. VTIAX — Risk / Return Rank
VBINX
VTIAX
VBINX vs. VTIAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Balanced Index Fund (VBINX) and Vanguard Total International Stock Index Fund Admiral Shares (VTIAX). 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.
| VBINX | VTIAX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.19 | ||
| Sortino ratioReturn per unit of downside risk | +0.42 | ||
| Omega ratioGain probability vs. loss probability | 1.46 | 1.43 | +0.04 |
| Calmar ratioReturn relative to maximum drawdown | 3.39 | 2.91 | +0.48 |
| Martin ratioReturn relative to average drawdown | 15.44 | 11.49 | +3.95 |
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
| VBINX | VTIAX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.50 | 2.31 | +0.19 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.77 | 0.59 | +0.18 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.89 | 0.62 | +0.27 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.79 | 0.44 | +0.34 |
Drawdowns
VBINX vs. VTIAX - Drawdown Comparison
The maximum VBINX drawdown since its inception was -35.97%, roughly equal to the maximum VTIAX drawdown of -35.83%. Use the drawdown chart below to compare losses from any high point for VBINX and VTIAX.
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Drawdown Indicators
| VBINX | VTIAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -35.97% | -35.83% | -0.14% |
Max Drawdown (1Y)Largest decline over 1 year | -5.84% | -11.28% | +5.44% |
Max Drawdown (3Y)Largest decline over 3 years | -11.60% | -13.13% | +1.53% |
Max Drawdown (5Y)Largest decline over 5 years | -21.61% | -29.56% | +7.95% |
Max Drawdown (10Y)Largest decline over 10 years | -22.78% | -35.83% | +13.05% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -4.14% | -8.08% | +3.94% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.28% | 2.85% | -1.57% |
Volatility
VBINX vs. VTIAX - Volatility Comparison
The current volatility for Vanguard Balanced Index Fund (VBINX) is 2.26%, while Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) has a volatility of 4.80%. This indicates that VBINX experiences smaller price fluctuations and is considered to be less risky than VTIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VBINX | VTIAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.26% | 4.80% | -2.54% |
Volatility (6M)Calculated over the trailing 6-month period | 6.13% | 11.90% | -5.77% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.91% | 14.22% | -6.31% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.10% | 15.04% | -3.94% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.23% | 15.93% | -4.70% |
VBINX vs. VTIAX - Expense Ratio Comparison
VBINX has a 0.18% expense ratio, which is higher than VTIAX's 0.09% 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
VBINX vs. VTIAX - Dividend Comparison
VBINX's dividend yield for the trailing twelve months is around 5.11%, more than VTIAX's 2.60% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VBINX Vanguard Balanced Index Fund | 5.11% | 5.89% | 7.88% | 4.25% | 2.71% | 2.71% | 2.54% | 2.19% | 2.20% | 1.83% | 1.97% | 1.95% |
VTIAX Vanguard Total International Stock Index Fund Admiral Shares | 2.60% | 3.15% | 3.33% | 3.22% | 3.04% | 3.05% | 2.10% | 3.04% | 3.16% | 2.73% | 2.93% | 2.84% |
Frequently Asked Questions
VBINX and VTIAX have a correlation of 0.82, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
VTIAX has higher volatility (4.80%) compared to VBINX (2.26%). In terms of maximum drawdown, VBINX dropped -35.97% vs VTIAX's -35.83%.
VBINX currently has the higher Sharpe Ratio (2.50 vs 2.31), 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.
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