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VFIDX vs. VTI
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VFIDX vs. VTI

Last updated Jun 4, 2026

VFIDX (Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares) and VTI (Vanguard Total Stock Market ETF) are both funds - VFIDX is a Total Bond Market fund managed by Vanguard, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Over the past 10 years, VFIDX returned 2.79%/yr vs 15.05%/yr for VTI. At a correlation of -0.15, they often move in opposite directions. VFIDX charges 0.10%/yr vs 0.03%/yr for VTI.

Performance

VFIDX vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares (VFIDX) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, VFIDX achieves a 0.42% return, which is significantly lower than VTI's 11.20% return. Over the past 10 years, VFIDX has underperformed VTI with an annualized return of 2.79%, while VTI has yielded a comparatively higher 15.05% annualized return.

VFIDX

1D
0.11%
1M
0.66%
YTD
0.42%
6M
0.50%
1Y
6.64%
3Y*
6.17%
5Y*
1.43%
10Y*
2.79%

VTI

1D
-0.72%
1M
4.99%
YTD
11.20%
6M
11.09%
1Y
28.18%
3Y*
22.07%
5Y*
12.69%
10Y*
15.05%
*Multi-year figures are annualized to reflect compound growth (CAGR)

VFIDX vs. VTI - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VFIDX
Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares		0.42%9.67%3.29%8.63%-13.77%-1.51%10.44%10.50%-0.44%4.28%
VTI
Vanguard Total Stock Market ETF		11.20%17.10%23.81%26.05%-19.52%25.68%21.08%30.67%-5.23%21.21%

Correlation

The correlation between VFIDX and VTI is 0.34, which is low. Their price movements are largely independent, making them effective diversification partners.

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

0.34

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

0.27

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

0.21

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

0.05

Correlation (All Time)
Calculated using the full available price history since Jun 1, 2001

-0.15

The correlation between VFIDX and VTI shifts across timeframes, from -0.15 (all time) to 0.34 (1 year), reflecting how their relationship changes across market environments.

VFIDX vs. VTI - Sectors Allocation Comparison

Sectors
VFIDX
VTI

Financial Services

0.4%
12.0%

Real Estate

0.0%
2.4%

Basic Materials

-

2.0%

Communication Services

-

10.3%

Consumer Cyclical

-

10.0%

Consumer Defensive

-

4.7%

Healthcare

-

9.2%

Industrials

-

9.8%

Technology

-

33.5%

Utilities

-

2.3%

Energy

-0.0%
3.7%

Financial Services

VFIDX
0.4%
VTI
12.0%

Real Estate

VFIDX
0.0%
VTI
2.4%

Basic Materials

VFIDX

-

VTI
2.0%

Communication Services

VFIDX

-

VTI
10.3%

Consumer Cyclical

VFIDX

-

VTI
10.0%

Consumer Defensive

VFIDX

-

VTI
4.7%

Healthcare

VFIDX

-

VTI
9.2%

Industrials

VFIDX

-

VTI
9.8%

Technology

VFIDX

-

VTI
33.5%

Utilities

VFIDX

-

VTI
2.3%

Energy

VFIDX
-0.0%
VTI
3.7%

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Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares

Vanguard Total Stock Market ETF

Often compared with VFIDX:
VFIDX vs. VFSUXVFIDX vs. BNDXVFIDX vs. FTHRXVFIDX vs. VBLAXVFIDX vs. IGSBVFIDX vs. VFIJXVFIDX vs. FSRIX
Often compared with VTI:
VTI vs. VOOVTI vs. VXUSVTI vs. SPYVTI vs. VTVTI vs. SCHDVTI vs. FZROXVTI vs. QQQ

Return for Risk

VFIDX vs. VTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VFIDX
VFIDX Risk / Return Rank: 3131
Overall Rank
VFIDX Sharpe Ratio Rank: 3131
Sharpe Ratio Rank
VFIDX Sortino Ratio Rank: 3333
Sortino Ratio Rank
VFIDX Omega Ratio Rank: 3131
Omega Ratio Rank
VFIDX Calmar Ratio Rank: 2929
Calmar Ratio Rank
VFIDX Martin Ratio Rank: 3030
Martin Ratio Rank
VTI
VTI Risk / Return Rank: 6868
Overall Rank
VTI Sharpe Ratio Rank: 6969
Sharpe Ratio Rank
VTI Sortino Ratio Rank: 6868
Sortino Ratio Rank
VTI Omega Ratio Rank: 6767
Omega Ratio Rank
VTI Calmar Ratio Rank: 6262
Calmar Ratio Rank
VTI Martin Ratio Rank: 7575
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.

VFIDX vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares (VFIDX) 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.

VFIDXVTIDifference
Sharpe ratioReturn per unit of total volatility
1.59
2.33

-0.74

Sortino ratioReturn per unit of downside risk
2.40
3.18

-0.79

Omega ratioGain probability vs. loss probability

1.29

1.42

-0.13

Calmar ratioReturn relative to maximum drawdown

2.04

3.17

-1.14

Martin ratioReturn relative to average drawdown

7.00

14.62

-7.62

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

VFIDX vs. VTI - Sharpe Ratio Comparison

The current VFIDX Sharpe Ratio is 1.59, which is lower than the VTI Sharpe Ratio of 2.33. The chart below compares the historical Sharpe Ratios of VFIDX and VTI, 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

VFIDXVTIDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

1.59

2.33

-0.74

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.23

0.73

-0.51

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.54

0.82

-0.29

Sharpe Ratio (All Time)

Calculated using the full available price history

0.88

0.51

+0.37

Drawdowns

VFIDX vs. VTI - Drawdown Comparison

The maximum VFIDX drawdown since its inception was -20.14%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for VFIDX and VTI.

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Drawdown Indicators

VFIDXVTIDifference

Max Drawdown

Largest peak-to-trough decline

-20.14%

-55.45%

+35.31%

Max Drawdown (1Y)

Largest decline over 1 year

-3.34%

-8.92%

+5.58%

Max Drawdown (3Y)

Largest decline over 3 years

-6.08%

-19.30%

+13.22%

Max Drawdown (5Y)

Largest decline over 5 years

-20.14%

-25.36%

+5.22%

Max Drawdown (10Y)

Largest decline over 10 years

-20.14%

-35.00%

+14.86%

Current Drawdown

Current decline from peak

-1.06%

-0.72%

-0.34%

Average Drawdown

Average peak-to-trough decline

-2.60%

-8.03%

+5.43%

Ulcer Index

Depth and duration of drawdowns from previous peaks

0.97%

1.93%

-0.96%

Volatility

VFIDX vs. VTI - Volatility Comparison

The current volatility for Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares (VFIDX) is 1.56%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 2.96%. This indicates that VFIDX 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.

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Volatility by Period

VFIDXVTIDifference

Volatility (1M)

Calculated over the trailing 1-month period

1.56%

2.96%

-1.40%

Volatility (6M)

Calculated over the trailing 6-month period

3.12%

9.13%

-6.01%

Volatility (1Y)

Calculated over the trailing 1-year period

4.29%

12.17%

-7.88%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

6.39%

17.40%

-11.01%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

5.20%

18.30%

-13.10%

VFIDX vs. VTI - Expense Ratio Comparison

VFIDX has a 0.10% expense ratio, which is higher than VTI's 0.03% 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

VFIDX vs. VTI - Dividend Comparison

VFIDX's dividend yield for the trailing twelve months is around 5.09%, more than VTI's 1.01% yield.

PositionTTM20252024202320222021202020192018201720162015
VFIDX
Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares		5.09%4.91%4.65%3.90%3.20%3.61%5.80%3.13%3.32%3.06%3.94%3.64%
VTI
Vanguard Total Stock Market ETF		1.01%1.12%1.27%1.44%1.66%1.21%1.42%1.78%2.04%1.71%1.92%1.98%

Frequently Asked Questions

VFIDX and VTI have a correlation of 0.34, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

VTI has higher volatility (2.96%) compared to VFIDX (1.56%). In terms of maximum drawdown, VFIDX dropped -20.14% vs VTI's -55.45%.

VTI currently has the higher Sharpe Ratio (2.33 vs 1.59), 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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