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VFFVX vs. VT
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VFFVX vs. VT

Last updated Jun 4, 2026

VFFVX (Vanguard Target Retirement 2055 Fund) and VT (Vanguard Total World Stock ETF) are both funds - VFFVX is a Target Retirement Date fund managed by Vanguard, while VT is a Global Equities fund tracking the FTSE Global All Cap Index. Over the past 10 years, VFFVX returned 11.96%/yr vs 12.74%/yr for VT. With a 0.99 correlation, they move nearly in lockstep. VFFVX charges 0.08%/yr vs 0.06%/yr for VT.

Performance

VFFVX vs. VT - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Target Retirement 2055 Fund (VFFVX) and Vanguard Total World Stock ETF (VT). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

The year-to-date returns for both investments are quite close, with VFFVX having a 12.17% return and VT slightly higher at 12.24%. Over the past 10 years, VFFVX has underperformed VT with an annualized return of 11.96%, while VT has yielded a comparatively higher 12.74% annualized return.

VFFVX

1D
0.37%
1M
5.19%
YTD
12.17%
6M
13.09%
1Y
28.26%
3Y*
19.73%
5Y*
10.39%
10Y*
11.96%

VT

1D
-0.88%
1M
4.91%
YTD
12.24%
6M
13.14%
1Y
29.24%
3Y*
20.93%
5Y*
10.99%
10Y*
12.74%
*Multi-year figures are annualized to reflect compound growth (CAGR)

VFFVX vs. VT - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VFFVX
Vanguard Target Retirement 2055 Fund		12.17%21.44%14.50%20.39%-17.48%16.44%16.33%24.98%-7.88%21.39%
VT
Vanguard Total World Stock ETF		12.24%22.43%16.49%22.02%-18.00%18.27%16.59%26.81%-9.76%24.50%

Correlation

The correlation between VFFVX and VT is 0.99 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.99

Correlation (3Y)
Calculated over the trailing 3-year period

0.99

Correlation (5Y)
Calculated over the trailing 5-year period

0.99

Correlation (10Y)
Calculated over the trailing 10-year period

0.99

Correlation (All Time)
Calculated using the full available price history since Aug 19, 2010

0.99

The correlation between VFFVX and VT has been stable across timeframes, ranging from 0.99 to 0.99 - a consistent structural relationship.

VFFVX vs. VT - Sectors Allocation Comparison

Sectors
VFFVX
VT

Technology

27.3%
27.8%

Financial Services

16.1%
15.9%

Industrials

12.4%
12.0%

Consumer Cyclical

9.4%
9.5%

Healthcare

8.3%
8.1%

Communication Services

8.0%
8.3%

Consumer Defensive

4.8%
4.8%

Energy

4.3%
4.3%

Basic Materials

4.3%
4.2%

Utilities

2.7%
2.7%

Real Estate

2.5%
2.4%

Technology

VFFVX
27.3%
VT
27.8%

Financial Services

VFFVX
16.1%
VT
15.9%

Industrials

VFFVX
12.4%
VT
12.0%

Consumer Cyclical

VFFVX
9.4%
VT
9.5%

Healthcare

VFFVX
8.3%
VT
8.1%

Communication Services

VFFVX
8.0%
VT
8.3%

Consumer Defensive

VFFVX
4.8%
VT
4.8%

Energy

VFFVX
4.3%
VT
4.3%

Basic Materials

VFFVX
4.3%
VT
4.2%

Utilities

VFFVX
2.7%
VT
2.7%

Real Estate

VFFVX
2.5%
VT
2.4%

Compare stocks, funds, or ETFs

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Vanguard Target Retirement 2055 Fund

Vanguard Total World Stock ETF

Often compared with VFFVX:
VFFVX vs. VOOVFFVX vs. FXAIXVFFVX vs. FDEWXVFFVX vs. SPYVFFVX vs. FDEEXVFFVX vs. VTIVFFVX vs. SWYJX
Often compared with VT:
VT vs. VOOVT vs. VTIVT vs. VXUSVT vs. SPYVT vs. ACWIVT vs. VWRA.LVT vs. VWCE.DE

Return for Risk

VFFVX vs. VT — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VFFVX
VFFVX Risk / Return Rank: 7171
Overall Rank
VFFVX Sharpe Ratio Rank: 7575
Sharpe Ratio Rank
VFFVX Sortino Ratio Rank: 6969
Sortino Ratio Rank
VFFVX Omega Ratio Rank: 6767
Omega Ratio Rank
VFFVX Calmar Ratio Rank: 6969
Calmar Ratio Rank
VFFVX Martin Ratio Rank: 7575
Martin Ratio Rank
VT
VT Risk / Return Rank: 6767
Overall Rank
VT Sharpe Ratio Rank: 6868
Sharpe Ratio Rank
VT Sortino Ratio Rank: 6868
Sortino Ratio Rank
VT Omega Ratio Rank: 6767
Omega Ratio Rank
VT Calmar Ratio Rank: 6060
Calmar Ratio Rank
VT Martin Ratio Rank: 7171
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

VFFVX vs. VT - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2055 Fund (VFFVX) and Vanguard Total World Stock ETF (VT). 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.

VFFVXVTDifference
Sharpe ratioReturn per unit of total volatility
2.51
2.31

+0.20

Sortino ratioReturn per unit of downside risk
3.46
3.20

+0.26

Omega ratioGain probability vs. loss probability

1.46

1.42

+0.04

Calmar ratioReturn relative to maximum drawdown

3.21

3.04

+0.17

Martin ratioReturn relative to average drawdown

14.23

13.53

+0.70

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

VFFVX vs. VT - Sharpe Ratio Comparison

The current VFFVX Sharpe Ratio is 2.51, which is comparable to the VT Sharpe Ratio of 2.31. The chart below compares the historical Sharpe Ratios of VFFVX and VT, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Sharpe Ratios by Period

VFFVXVTDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

2.51

2.31

+0.20

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.74

0.69

+0.05

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.80

0.74

+0.05

Sharpe Ratio (All Time)

Calculated using the full available price history

0.77

0.44

+0.33

Drawdowns

VFFVX vs. VT - Drawdown Comparison

The maximum VFFVX drawdown since its inception was -31.40%, smaller than the maximum VT drawdown of -50.27%. Use the drawdown chart below to compare losses from any high point for VFFVX and VT.

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Drawdown Indicators

VFFVXVTDifference

Max Drawdown

Largest peak-to-trough decline

-31.40%

-50.27%

+18.87%

Max Drawdown (1Y)

Largest decline over 1 year

-8.93%

-9.67%

+0.74%

Max Drawdown (3Y)

Largest decline over 3 years

-14.52%

-16.51%

+1.99%

Max Drawdown (5Y)

Largest decline over 5 years

-25.39%

-26.38%

+0.99%

Max Drawdown (10Y)

Largest decline over 10 years

-31.40%

-34.24%

+2.84%

Current Drawdown

Current decline from peak

0.00%

-0.88%

+0.88%

Average Drawdown

Average peak-to-trough decline

-4.14%

-7.02%

+2.88%

Ulcer Index

Depth and duration of drawdowns from previous peaks

2.01%

2.17%

-0.16%

Volatility

VFFVX vs. VT - Volatility Comparison

The current volatility for Vanguard Target Retirement 2055 Fund (VFFVX) is 3.37%, while Vanguard Total World Stock ETF (VT) has a volatility of 3.83%. This indicates that VFFVX experiences smaller price fluctuations and is considered to be less risky than VT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

VFFVXVTDifference

Volatility (1M)

Calculated over the trailing 1-month period

3.37%

3.83%

-0.46%

Volatility (6M)

Calculated over the trailing 6-month period

9.08%

10.17%

-1.09%

Volatility (1Y)

Calculated over the trailing 1-year period

11.42%

12.70%

-1.28%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

14.18%

16.05%

-1.87%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

15.10%

17.23%

-2.13%

VFFVX vs. VT - Expense Ratio Comparison

VFFVX has a 0.08% expense ratio, which is higher than VT's 0.06% 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

VFFVX vs. VT - Dividend Comparison

VFFVX's dividend yield for the trailing twelve months is around 1.85%, more than VT's 1.59% yield.

PositionTTM20252024202320222021202020192018201720162015
VFFVX
Vanguard Target Retirement 2055 Fund		1.85%2.08%2.31%2.18%2.19%10.03%1.82%2.15%2.35%1.83%1.99%1.98%
VT
Vanguard Total World Stock ETF		1.59%1.82%1.95%2.08%2.20%1.82%1.66%2.32%2.53%2.11%2.39%2.45%

Frequently Asked Questions

With a correlation of 0.99, VFFVX and VT move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

VT has higher volatility (3.83%) compared to VFFVX (3.37%). In terms of maximum drawdown, VFFVX dropped -31.40% vs VT's -50.27%.

VFFVX currently has the higher Sharpe Ratio (2.51 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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