VGIAX vs. VTIVX
Compare and contrast key facts about Vanguard Growth and Income Fund Admiral Shares (VGIAX) and Vanguard Target Retirement 2045 Fund (VTIVX).
VGIAX is managed by Vanguard. It was launched on May 14, 2001. VTIVX is managed by Vanguard. It was launched on Oct 27, 2003.
Performance
VGIAX vs. VTIVX - Performance Comparison
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VGIAX vs. VTIVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VGIAX Vanguard Growth and Income Fund Admiral Shares | -7.82% | 19.26% | 25.84% | 24.83% | -17.18% | 28.86% | 18.04% | 29.77% | -4.61% | 19.87% |
VTIVX Vanguard Target Retirement 2045 Fund | -3.63% | 20.01% | 13.68% | 19.72% | -17.38% | 16.16% | 16.31% | 24.94% | -7.89% | 19.16% |
Returns By Period
In the year-to-date period, VGIAX achieves a -7.82% return, which is significantly lower than VTIVX's -3.63% return. Over the past 10 years, VGIAX has outperformed VTIVX with an annualized return of 13.51%, while VTIVX has yielded a comparatively lower 10.04% annualized return.
VGIAX
- 1D
- -0.56%
- 1M
- -7.86%
- YTD
- -7.82%
- 6M
- -4.57%
- 1Y
- 16.31%
- 3Y*
- 17.49%
- 5Y*
- 11.51%
- 10Y*
- 13.51%
VTIVX
- 1D
- -0.24%
- 1M
- -7.90%
- YTD
- -3.63%
- 6M
- -0.85%
- 1Y
- 16.12%
- 3Y*
- 13.91%
- 5Y*
- 7.66%
- 10Y*
- 10.04%
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VGIAX vs. VTIVX - Expense Ratio Comparison
VGIAX has a 0.22% expense ratio, which is higher than VTIVX's 0.08% 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
VGIAX vs. VTIVX — Risk / Return Rank
VGIAX
VTIVX
VGIAX vs. VTIVX - 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 Target Retirement 2045 Fund (VTIVX). 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.
| VGIAX | VTIVX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.93 | 1.20 | -0.27 |
Sortino ratioReturn per unit of downside risk | 1.40 | 1.72 | -0.32 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.25 | -0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.22 | 1.50 | -0.28 |
Martin ratioReturn relative to average drawdown | 5.62 | 6.90 | -1.28 |
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
| VGIAX | VTIVX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.93 | 1.20 | -0.27 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.68 | 0.57 | +0.10 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.75 | 0.68 | +0.06 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.44 | 0.51 | -0.07 |
Correlation
The correlation between VGIAX and VTIVX is 0.96, 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
VGIAX vs. VTIVX - Dividend Comparison
VGIAX's dividend yield for the trailing twelve months is around 11.63%, more than VTIVX's 2.59% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VGIAX Vanguard Growth and Income Fund Admiral Shares | 11.63% | 10.72% | 11.67% | 8.70% | 9.81% | 15.28% | 6.63% | 4.19% | 8.05% | 5.06% | 7.01% | 7.72% |
VTIVX Vanguard Target Retirement 2045 Fund | 2.59% | 2.50% | 2.36% | 2.27% | 2.75% | 15.40% | 1.90% | 2.23% | 2.52% | 0.04% | 2.47% | 3.29% |
Drawdowns
VGIAX vs. VTIVX - Drawdown Comparison
The maximum VGIAX drawdown since its inception was -56.85%, which is greater than VTIVX's maximum drawdown of -51.69%. Use the drawdown chart below to compare losses from any high point for VGIAX and VTIVX.
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Drawdown Indicators
| VGIAX | VTIVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -56.85% | -51.69% | -5.16% |
Max Drawdown (1Y)Largest decline over 1 year | -11.91% | -9.73% | -2.18% |
Max Drawdown (5Y)Largest decline over 5 years | -23.30% | -25.10% | +1.80% |
Max Drawdown (10Y)Largest decline over 10 years | -34.33% | -31.42% | -2.91% |
Current DrawdownCurrent decline from peak | -9.73% | -8.30% | -1.43% |
Average DrawdownAverage peak-to-trough decline | -9.40% | -6.37% | -3.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.59% | 2.12% | +0.47% |
Volatility
VGIAX vs. VTIVX - Volatility Comparison
Vanguard Growth and Income Fund Admiral Shares (VGIAX) and Vanguard Target Retirement 2045 Fund (VTIVX) have volatilities of 4.37% and 4.36%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VGIAX | VTIVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.37% | 4.36% | +0.01% |
Volatility (6M)Calculated over the trailing 6-month period | 9.74% | 7.85% | +1.89% |
Volatility (1Y)Calculated over the trailing 1-year period | 18.19% | 13.55% | +4.64% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 17.06% | 13.41% | +3.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 18.16% | 14.75% | +3.41% |