VGIAX vs. VTIAX

Last updated Aug 2, 2026

VGIAX (Vanguard Growth and Income Fund Admiral Shares) and VTIAX (Vanguard Total International Stock Index Fund Admiral Shares) are both mutual funds - VGIAX is a Large Cap Blend Equities fund actively managed by Vanguard, while VTIAX is a Foreign Large Cap Equities fund tracking the FTSE Global All Cap ex US Index. VGIAX is actively managed, while VTIAX is passively managed. Over the past 10 years, VGIAX returned 14.73%/yr vs 9.37%/yr for VTIAX. Their correlation of 0.80 means they have usually moved in the same direction. VGIAX charges 0.28%/yr vs 0.09%/yr for VTIAX.

Performance

VGIAX vs. VTIAX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Growth and Income Fund Admiral Shares (VGIAX) and Vanguard Total International Stock Index Fund Admiral Shares (VTIAX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, VGIAX achieves a 7.91% return, which is significantly lower than VTIAX's 12.79% return. Over the past 10 years, VGIAX has outperformed VTIAX with an annualized return of 14.73%, while VTIAX has yielded a comparatively lower 9.37% annualized return.

VGIAX

• 1D: 1.97%
• 1M: -0.59%
• 6M: 6.62%
• YTD: 7.91%
• 1Y: 19.37%
• 3Y*: 19.27%
• 5Y*: 12.80%
• 10Y*: 14.73%
• ALL TIME*: 9.09%

VTIAX

• 1D: 2.76%
• 1M: 0.11%
• 6M: 6.66%
• YTD: 12.79%
• 1Y: 27.69%
• 3Y*: 16.78%
• 5Y*: 8.80%
• 10Y*: 9.37%
• ALL TIME*: 6.96%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
VGIAX Vanguard Growth and Income Fund Admiral Shares	$0.00	$0.00	$0.00
VTIAX Vanguard Total International Stock Index Fund Admiral Shares	$0.00	$0.00	$0.00

VGIAX vs. VTIAX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
VGIAX Vanguard Growth and Income Fund Admiral Shares	7.91%	19.26%	25.84%	24.83%	-17.18%	28.86%	18.04%	29.77%	-4.61%	19.87%
VTIAX Vanguard Total International Stock Index Fund Admiral Shares	12.79%	32.18%	5.34%	15.28%	-16.02%	8.59%	11.27%	21.52%	-14.46%	27.54%

Correlation

The correlation between VGIAX and VTIAX is 0.83, meaning they have usually moved in the same direction, including during past declines.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.83
Correlation (3Y) Balances recent behavior with more history.	0.74
Correlation (5Y) Shows whether the relationship held over a longer period.	0.77
Correlation (10Y) Provides a long-term view across more market conditions.	0.78
Correlation (All Time) Calculated using the full available price history since Nov 29, 2010	0.80

The correlation between VGIAX and VTIAX has been stable across timeframes, ranging from 0.74 to 0.83 - a consistent structural relationship.

VGIAX vs. VTIAX - Sectors Allocation Comparison

Sectors	VGIAX	VTIAX
Technology	30.6%	25.6%
Financial Services	12.5%	24.2%
Consumer Cyclical	11.2%	6.4%
Healthcare	10.6%	6.9%
Communication Services	10.1%	3.9%
Industrials	8.9%	13.8%
Energy	5.8%	4.4%
Consumer Defensive	3.6%	4.6%
Basic Materials	2.9%	5.9%
Utilities	2.4%	2.6%
Real Estate	1.6%	0.9%

Return for Risk

VGIAX vs. VTIAX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

VGIAX

VGIAX Risk / Return Rank: 48
VGIAX Sharpe Ratio Rank: 47
VGIAX Sortino Ratio Rank: 44
VGIAX Omega Ratio Rank: 44
VGIAX Calmar Ratio Rank: 49
VGIAX Martin Ratio Rank: 59

VTIAX

VTIAX Risk / Return Rank: 72
VTIAX Sharpe Ratio Rank: 73
VTIAX Sortino Ratio Rank: 69
VTIAX Omega Ratio Rank: 72
VTIAX Calmar Ratio Rank: 74
VTIAX Martin Ratio Rank: 74

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

VGIAX vs. VTIAX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Growth and Income Fund Admiral Shares (VGIAX) and Vanguard Total International Stock Index Fund Admiral Shares (VTIAX). 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.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	VGIAX	VTIAX	Difference
Sharpe ratio: Return per unit of total volatility	1.25	1.65	-0.39
Sortino ratio: Return per unit of downside risk	1.77	2.27	-0.50
Omega ratio: Gain probability vs. loss probability	1.22	1.30	-0.08
Calmar ratio: Return relative to maximum drawdown	1.78	2.33	-0.55
Martin ratio: Return relative to average drawdown	7.48	8.64	-1.16

VGIAX vs. VTIAX - Sharpe Ratio Comparison

The current VGIAX Sharpe Ratio is 1.25, which is comparable to the VTIAX Sharpe Ratio of 1.65. The chart below compares the historical Sharpe Ratios of VGIAX and VTIAX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

VGIAX vs. VTIAX - Drawdown Comparison

The maximum VGIAX drawdown since its inception was -56.85%, which is greater than VTIAX's maximum drawdown of -35.83%. Use the drawdown chart below to compare losses from any high point for VGIAX and VTIAX.

Drawdown Indicators

	VGIAX	VTIAX	Difference
Max Drawdown Largest peak-to-trough decline	-56.85%	-35.83%	-21.02%
Max Drawdown (1Y) Largest decline over 1 year	-9.73%	-11.28%	+1.55%
Max Drawdown (3Y) Largest decline over 3 years	-19.66%	-13.13%	-6.53%
Max Drawdown (5Y) Largest decline over 5 years	-23.30%	-29.52%	+6.22%
Max Drawdown (10Y) Largest decline over 10 years	-34.33%	-35.83%	+1.50%
Current Drawdown Current decline from peak	-2.32%	-2.61%	+0.29%
Average Drawdown Average peak-to-trough decline	-9.29%	-8.02%	-1.27%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.31%	3.03%	-0.72%

Volatility

VGIAX vs. VTIAX - Volatility Comparison

The current volatility for Vanguard Growth and Income Fund Admiral Shares (VGIAX) is 3.88%, while Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) has a volatility of 5.45%. This indicates that VGIAX experiences smaller price fluctuations and is considered to be less risky than VTIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	VGIAX	VTIAX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.88%	5.45%	-1.57%
Volatility (6M) Calculated over the trailing 6-month period	10.86%	14.12%	-3.26%
Volatility (1Y) Calculated over the trailing 1-year period	13.80%	15.98%	-2.18%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	17.27%	15.37%	+1.90%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	18.24%	15.82%	+2.42%

VGIAX vs. VTIAX - Expense Ratio Comparison

VGIAX has a 0.28% expense ratio, which is higher than VTIAX's 0.09% expense ratio.

Dividends

VGIAX vs. VTIAX - Dividend Comparison

VGIAX's dividend yield for the trailing twelve months is around 10.04%, more than VTIAX's 2.55% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
VGIAX Vanguard Growth and Income Fund Admiral Shares	10.04%	10.72%	11.67%	8.70%	9.81%	15.28%	6.63%	4.19%	8.05%	5.06%	7.01%	7.72%
VTIAX Vanguard Total International Stock Index Fund Admiral Shares	2.55%	3.15%	3.33%	3.22%	3.04%	3.05%	2.10%	3.04%	3.16%	2.73%	2.93%	2.84%

Frequently Asked Questions

Can I hold both VGIAX and VTIAX in my portfolio?

VGIAX and VTIAX have a correlation of 0.83, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, VGIAX or VTIAX?

VTIAX has higher volatility (5.45%) compared to VGIAX (3.88%). In terms of maximum drawdown, VGIAX dropped -56.85% vs VTIAX's -35.83%.

Which has better risk-adjusted returns?

VTIAX currently has the higher Sharpe Ratio (1.65 vs 1.25), 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.