VFIJX vs. VFSUX
VFIJX (Vanguard GNMA Fund Admiral Shares) and VFSUX (Vanguard Short-Term Investment-Grade Fund Admiral Shares) are both mutual funds - VFIJX is a Government Bonds fund managed by Vanguard, while VFSUX is a Total Bond Market fund managed by Vanguard. Over the past 10 years, VFIJX returned 1.41%/yr vs 2.64%/yr for VFSUX. A 0.75 correlation means they provide meaningful diversification when combined. VFIJX charges 0.11%/yr vs 0.10%/yr for VFSUX.
Performance
VFIJX vs. VFSUX - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with VFIJX having a 0.83% return and VFSUX slightly lower at 0.82%. Over the past 10 years, VFIJX has underperformed VFSUX with an annualized return of 1.41%, while VFSUX has yielded a comparatively higher 2.64% annualized return.
VFIJX
- 1D
- 0.00%
- 1M
- 0.32%
- YTD
- 0.83%
- 6M
- 0.94%
- 1Y
- 6.46%
- 3Y*
- 4.35%
- 5Y*
- 0.58%
- 10Y*
- 1.41%
VFSUX
- 1D
- 0.00%
- 1M
- 0.31%
- YTD
- 0.82%
- 6M
- 1.11%
- 1Y
- 4.80%
- 3Y*
- 5.63%
- 5Y*
- 2.41%
- 10Y*
- 2.64%
VFIJX vs. VFSUX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VFIJX Vanguard GNMA Fund Admiral Shares | 0.83% | 7.84% | 1.17% | 5.28% | -10.72% | -1.15% | 3.84% | 5.94% | 0.99% | 1.98% |
VFSUX Vanguard Short-Term Investment-Grade Fund Admiral Shares | 0.82% | 6.87% | 5.08% | 6.17% | -5.75% | -0.62% | 5.26% | 5.85% | 0.98% | 2.13% |
Correlation
The correlation between VFIJX and VFSUX is 0.88, 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 | 0.88 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.86 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.86 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.79 |
Correlation (All Time) Calculated using the full available price history since Feb 13, 2001 | 0.75 |
The correlation between VFIJX and VFSUX shifts across timeframes, from 0.75 (all time) to 0.88 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
VFIJX vs. VFSUX — Risk / Return Rank
VFIJX
VFSUX
VFIJX vs. VFSUX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard GNMA Fund Admiral Shares (VFIJX) and Vanguard Short-Term Investment-Grade Fund Admiral Shares (VFSUX). 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.
| VFIJX | VFSUX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.44 | ||
| Sortino ratioReturn per unit of downside risk | -1.24 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.47 | -0.18 |
| Calmar ratioReturn relative to maximum drawdown | 2.39 | 2.83 | -0.44 |
| Martin ratioReturn relative to average drawdown | 7.61 | 11.18 | -3.57 |
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
| VFIJX | VFSUX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.63 | 2.08 | -0.44 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.09 | 0.81 | -0.72 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.30 | 1.06 | -0.76 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.82 | 1.35 | -0.53 |
Drawdowns
VFIJX vs. VFSUX - Drawdown Comparison
The maximum VFIJX drawdown since its inception was -16.06%, which is greater than VFSUX's maximum drawdown of -9.24%. Use the drawdown chart below to compare losses from any high point for VFIJX and VFSUX.
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Drawdown Indicators
| VFIJX | VFSUX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -16.06% | -9.24% | -6.82% |
Max Drawdown (1Y)Largest decline over 1 year | -2.71% | -1.71% | -1.00% |
Max Drawdown (3Y)Largest decline over 3 years | -6.95% | -1.71% | -5.24% |
Max Drawdown (5Y)Largest decline over 5 years | -15.68% | -9.24% | -6.44% |
Max Drawdown (10Y)Largest decline over 10 years | -16.06% | -9.24% | -6.82% |
Current DrawdownCurrent decline from peak | -1.35% | -0.23% | -1.12% |
Average DrawdownAverage peak-to-trough decline | -1.74% | -0.87% | -0.87% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.85% | 0.43% | +0.42% |
Volatility
VFIJX vs. VFSUX - Volatility Comparison
Vanguard GNMA Fund Admiral Shares (VFIJX) has a higher volatility of 1.38% compared to Vanguard Short-Term Investment-Grade Fund Admiral Shares (VFSUX) at 0.75%. This indicates that VFIJX's price experiences larger fluctuations and is considered to be riskier than VFSUX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VFIJX | VFSUX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.38% | 0.75% | +0.63% |
Volatility (6M)Calculated over the trailing 6-month period | 2.84% | 1.66% | +1.18% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.98% | 2.33% | +1.65% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.21% | 2.99% | +3.22% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.70% | 2.49% | +2.21% |
VFIJX vs. VFSUX - Expense Ratio Comparison
VFIJX has a 0.11% expense ratio, which is higher than VFSUX's 0.10% 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
VFIJX vs. VFSUX - Dividend Comparison
VFIJX's dividend yield for the trailing twelve months is around 3.78%, less than VFSUX's 4.72% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VFIJX Vanguard GNMA Fund Admiral Shares | 3.78% | 3.72% | 3.67% | 3.34% | 2.45% | 0.73% | 1.98% | 2.86% | 3.00% | 2.73% | 3.11% | 2.94% |
VFSUX Vanguard Short-Term Investment-Grade Fund Admiral Shares | 4.72% | 4.59% | 4.16% | 3.14% | 2.03% | 1.79% | 2.34% | 2.92% | 2.79% | 2.11% | 2.14% | 2.09% |
Frequently Asked Questions
VFIJX and VFSUX have a correlation of 0.88, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
VFIJX has higher volatility (1.38%) compared to VFSUX (0.75%). In terms of maximum drawdown, VFIJX dropped -16.06% vs VFSUX's -9.24%.
VFSUX currently has the higher Sharpe Ratio (2.08 vs 1.63), 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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