VFITX vs. SCHR
Compare and contrast key facts about Vanguard Intermediate-Term Treasury Fund Investor Shares (VFITX) and Schwab Intermediate-Term U.S. Treasury ETF (SCHR).
VFITX is managed by Vanguard. It was launched on Oct 28, 1991. SCHR is a passively managed fund by Charles Schwab that tracks the performance of the Bloomberg US Treasury (3-10 Y). It was launched on Aug 5, 2010.
Performance
VFITX vs. SCHR - Performance Comparison
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VFITX vs. SCHR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VFITX Vanguard Intermediate-Term Treasury Fund Investor Shares | -0.58% | 7.54% | 1.39% | 4.08% | -10.43% | -2.38% | 8.20% | 6.29% | 1.01% | 1.57% |
SCHR Schwab Intermediate-Term U.S. Treasury ETF | -0.04% | 7.33% | 1.42% | 4.27% | -10.58% | -2.62% | 7.72% | 6.18% | 1.46% | 1.59% |
Returns By Period
In the year-to-date period, VFITX achieves a -0.58% return, which is significantly lower than SCHR's -0.04% return. Over a longer period, both investments have demonstrated similar performance, with their 10-year annualized returns being quite close: VFITX at 1.32% and SCHR at 1.32%.
VFITX
- 1D
- 0.51%
- 1M
- -2.26%
- YTD
- -0.58%
- 6M
- 0.58%
- 1Y
- 3.63%
- 3Y*
- 3.14%
- 5Y*
- 0.29%
- 10Y*
- 1.32%
SCHR
- 1D
- 0.20%
- 1M
- -1.64%
- YTD
- -0.04%
- 6M
- 1.03%
- 1Y
- 4.13%
- 3Y*
- 3.30%
- 5Y*
- 0.32%
- 10Y*
- 1.32%
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VFITX vs. SCHR - Expense Ratio Comparison
VFITX has a 0.20% expense ratio, which is higher than SCHR's 0.05% 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%.
Return for Risk
VFITX vs. SCHR — Risk / Return Rank
VFITX
SCHR
VFITX vs. SCHR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Intermediate-Term Treasury Fund Investor Shares (VFITX) and Schwab Intermediate-Term U.S. Treasury ETF (SCHR). 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.
| VFITX | SCHR | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.98 | 1.08 | -0.10 |
Sortino ratioReturn per unit of downside risk | 1.49 | 1.64 | -0.15 |
Omega ratioGain probability vs. loss probability | 1.17 | 1.19 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.69 | 1.81 | -0.12 |
Martin ratioReturn relative to average drawdown | 5.21 | 5.65 | -0.44 |
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
| VFITX | SCHR | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.98 | 1.08 | -0.10 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.05 | 0.06 | -0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.28 | 0.30 | -0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.92 | 0.45 | +0.47 |
Correlation
The correlation between VFITX and SCHR is 0.95, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
VFITX vs. SCHR - Dividend Comparison
VFITX's dividend yield for the trailing twelve months is around 3.59%, less than SCHR's 3.86% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VFITX Vanguard Intermediate-Term Treasury Fund Investor Shares | 3.59% | 3.90% | 4.05% | 3.45% | 1.97% | 0.99% | 4.84% | 2.30% | 2.34% | 1.75% | 2.77% | 2.50% |
SCHR Schwab Intermediate-Term U.S. Treasury ETF | 3.86% | 3.85% | 3.77% | 3.16% | 2.02% | 1.00% | 1.62% | 2.31% | 2.11% | 1.65% | 1.45% | 1.56% |
Drawdowns
VFITX vs. SCHR - Drawdown Comparison
The maximum VFITX drawdown since its inception was -15.58%, roughly equal to the maximum SCHR drawdown of -16.11%. Use the drawdown chart below to compare losses from any high point for VFITX and SCHR.
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Drawdown Indicators
| VFITX | SCHR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.58% | -16.11% | +0.53% |
Max Drawdown (1Y)Largest decline over 1 year | -2.85% | -2.39% | -0.46% |
Max Drawdown (5Y)Largest decline over 5 years | -14.98% | -15.07% | +0.09% |
Max Drawdown (10Y)Largest decline over 10 years | -15.58% | -16.11% | +0.53% |
Current DrawdownCurrent decline from peak | -2.26% | -1.98% | -0.28% |
Average DrawdownAverage peak-to-trough decline | -2.65% | -3.66% | +1.01% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.93% | 0.77% | +0.16% |
Volatility
VFITX vs. SCHR - Volatility Comparison
Vanguard Intermediate-Term Treasury Fund Investor Shares (VFITX) has a higher volatility of 1.48% compared to Schwab Intermediate-Term U.S. Treasury ETF (SCHR) at 1.35%. This indicates that VFITX's price experiences larger fluctuations and is considered to be riskier than SCHR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VFITX | SCHR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.48% | 1.35% | +0.13% |
Volatility (6M)Calculated over the trailing 6-month period | 2.57% | 2.32% | +0.25% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.30% | 3.85% | +0.45% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.59% | 5.36% | +0.23% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.65% | 4.47% | +0.18% |