VCIFX vs. SWAGX
Compare and contrast key facts about Vertical Capital Income Fund (VCIFX) and Schwab U.S. Aggregate Bond Index Fund (SWAGX).
VCIFX is managed by VALIC. It was launched on Dec 29, 2011. SWAGX is managed by Charles Schwab.
Performance
VCIFX vs. SWAGX - Performance Comparison
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VCIFX vs. SWAGX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VCIFX Vertical Capital Income Fund | -2.24% | 9.15% | -1.00% | 5.96% | -16.21% | -5.85% | 10.46% | 9.56% | -3.14% | 6.19% |
SWAGX Schwab U.S. Aggregate Bond Index Fund | -0.44% | 7.11% | 1.38% | 5.46% | -13.62% | -2.29% | 7.39% | 8.64% | -0.11% | 2.62% |
Returns By Period
In the year-to-date period, VCIFX achieves a -2.24% return, which is significantly lower than SWAGX's -0.44% return.
VCIFX
- 1D
- 0.10%
- 1M
- -4.09%
- YTD
- -2.24%
- 6M
- -1.24%
- 1Y
- 4.51%
- 3Y*
- 2.95%
- 5Y*
- -1.40%
- 10Y*
- 0.84%
SWAGX
- 1D
- 0.56%
- 1M
- -2.30%
- YTD
- -0.44%
- 6M
- 0.48%
- 1Y
- 3.81%
- 3Y*
- 3.39%
- 5Y*
- 0.01%
- 10Y*
- —
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VCIFX vs. SWAGX - Expense Ratio Comparison
VCIFX has a 0.69% expense ratio, which is higher than SWAGX's 0.04% expense ratio.
Return for Risk
VCIFX vs. SWAGX — Risk / Return Rank
VCIFX
SWAGX
VCIFX vs. SWAGX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vertical Capital Income Fund (VCIFX) and Schwab U.S. Aggregate Bond Index Fund (SWAGX). 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.
| VCIFX | SWAGX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.92 | 0.98 | -0.06 |
Sortino ratioReturn per unit of downside risk | 1.36 | 1.42 | -0.06 |
Omega ratioGain probability vs. loss probability | 1.17 | 1.17 | -0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.18 | 1.75 | -0.57 |
Martin ratioReturn relative to average drawdown | 4.59 | 4.95 | -0.36 |
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
| VCIFX | SWAGX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.92 | 0.98 | -0.06 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.24 | 0.00 | -0.24 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.15 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.01 | 0.30 | -0.30 |
Correlation
The correlation between VCIFX and SWAGX is 0.68, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
Dividends
VCIFX vs. SWAGX - Dividend Comparison
VCIFX's dividend yield for the trailing twelve months is around 1.85%, less than SWAGX's 3.76% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VCIFX Vertical Capital Income Fund | 1.85% | 0.00% | 0.00% | 3.53% | 3.64% | 4.00% | 1.76% | 2.32% | 0.93% | 0.00% |
SWAGX Schwab U.S. Aggregate Bond Index Fund | 3.76% | 4.02% | 3.88% | 3.22% | 1.93% | 1.56% | 2.47% | 2.87% | 2.80% | 1.98% |
Drawdowns
VCIFX vs. SWAGX - Drawdown Comparison
The maximum VCIFX drawdown since its inception was -29.13%, which is greater than SWAGX's maximum drawdown of -19.68%. Use the drawdown chart below to compare losses from any high point for VCIFX and SWAGX.
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Drawdown Indicators
| VCIFX | SWAGX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.13% | -19.68% | -9.45% |
Max Drawdown (1Y)Largest decline over 1 year | -4.19% | -2.84% | -1.35% |
Max Drawdown (5Y)Largest decline over 5 years | -25.58% | -18.76% | -6.82% |
Max Drawdown (10Y)Largest decline over 10 years | -27.38% | — | — |
Current DrawdownCurrent decline from peak | -14.02% | -4.18% | -9.84% |
Average DrawdownAverage peak-to-trough decline | -14.03% | -5.72% | -8.31% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.07% | 1.00% | +0.07% |
Volatility
VCIFX vs. SWAGX - Volatility Comparison
Vertical Capital Income Fund (VCIFX) has a higher volatility of 1.95% compared to Schwab U.S. Aggregate Bond Index Fund (SWAGX) at 1.66%. This indicates that VCIFX's price experiences larger fluctuations and is considered to be riskier than SWAGX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VCIFX | SWAGX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.95% | 1.66% | +0.29% |
Volatility (6M)Calculated over the trailing 6-month period | 2.87% | 2.70% | +0.17% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.92% | 4.48% | +0.44% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.96% | 6.06% | -0.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.71% | 5.13% | +0.58% |