VGRO.TO vs. VRIF.TO
VGRO.TO (Vanguard Growth ETF Portfolio) and VRIF.TO (Vanguard Retirement Income ETF Portfolio) are both Diversified Portfolio funds from Vanguard. Both are actively managed. Over the past 5 years, VGRO.TO returned 10.91%/yr vs 4.62%/yr for VRIF.TO. Their correlation of 0.84 suggests significant overlap in exposure. VGRO.TO charges 0.20%/yr vs 0.29%/yr for VRIF.TO.
Performance
VGRO.TO vs. VRIF.TO - Performance Comparison
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Returns By Period
In the year-to-date period, VGRO.TO achieves a 10.72% return, which is significantly higher than VRIF.TO's 5.29% return.
VGRO.TO
- 1D
- -0.04%
- 1M
- 0.66%
- YTD
- 10.72%
- 6M
- 10.13%
- 1Y
- 24.07%
- 3Y*
- 19.22%
- 5Y*
- 10.91%
- 10Y*
- —
VRIF.TO
- 1D
- 0.11%
- 1M
- 0.58%
- YTD
- 5.29%
- 6M
- 5.06%
- 1Y
- 11.63%
- 3Y*
- 10.10%
- 5Y*
- 4.62%
- 10Y*
- —
VGRO.TO vs. VRIF.TO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
VGRO.TO Vanguard Growth ETF Portfolio | 10.72% | 16.95% | 20.16% | 14.85% | -11.18% | 14.82% | 7.15% |
VRIF.TO Vanguard Retirement Income ETF Portfolio | 5.29% | 10.60% | 8.42% | 8.96% | -11.50% | 7.44% | 5.09% |
Correlation
The correlation between VGRO.TO and VRIF.TO is 0.90, 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 | 0.90 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.81 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.83 |
Correlation (All Time) Calculated using the full available price history since Sep 16, 2020 | 0.84 |
The correlation between VGRO.TO and VRIF.TO has been stable across timeframes, ranging from 0.81 to 0.90 - a consistent structural relationship.
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Return for Risk
VGRO.TO vs. VRIF.TO — Risk / Return Rank
VGRO.TO
VRIF.TO
VGRO.TO vs. VRIF.TO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Growth ETF Portfolio (VGRO.TO) and Vanguard Retirement Income ETF Portfolio (VRIF.TO). 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.
| VGRO.TO | VRIF.TO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.30 | ||
| Sortino ratioReturn per unit of downside risk | +0.25 | ||
| Omega ratioGain probability vs. loss probability | 1.45 | 1.40 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 3.45 | 2.56 | +0.90 |
| Martin ratioReturn relative to average drawdown | 14.81 | 10.52 | +4.29 |
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Drawdowns
VGRO.TO vs. VRIF.TO - Drawdown Comparison
The maximum VGRO.TO drawdown since its inception was -25.36%, which is greater than VRIF.TO's maximum drawdown of -16.19%. Use the drawdown chart below to compare losses from any high point for VGRO.TO and VRIF.TO.
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Drawdown Indicators
| VGRO.TO | VRIF.TO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -25.36% | -16.19% | -9.17% |
Max Drawdown (1Y)Largest decline over 1 year | -7.01% | -4.57% | -2.44% |
Max Drawdown (3Y)Largest decline over 3 years | -12.49% | -5.01% | -7.48% |
Max Drawdown (5Y)Largest decline over 5 years | -17.37% | -16.19% | -1.18% |
Current DrawdownCurrent decline from peak | -1.23% | -0.40% | -0.83% |
Average DrawdownAverage peak-to-trough decline | -3.38% | -3.84% | +0.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.63% | 1.11% | +0.52% |
Volatility
VGRO.TO vs. VRIF.TO - Volatility Comparison
Vanguard Growth ETF Portfolio (VGRO.TO) has a higher volatility of 3.73% compared to Vanguard Retirement Income ETF Portfolio (VRIF.TO) at 1.81%. This indicates that VGRO.TO's price experiences larger fluctuations and is considered to be riskier than VRIF.TO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VGRO.TO | VRIF.TO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.73% | 1.81% | +1.92% |
Volatility (6M)Calculated over the trailing 6-month period | 8.42% | 4.83% | +3.59% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.11% | 5.57% | +4.54% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.71% | 6.26% | +4.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.54% | 6.26% | +6.28% |
VGRO.TO vs. VRIF.TO - Expense Ratio Comparison
VGRO.TO has a 0.20% expense ratio, which is lower than VRIF.TO's 0.29% expense ratio.
Dividends
VGRO.TO vs. VRIF.TO - Dividend Comparison
VGRO.TO's dividend yield for the trailing twelve months is around 1.70%, less than VRIF.TO's 3.71% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
VGRO.TO Vanguard Growth ETF Portfolio | 1.70% | 1.88% | 2.04% | 2.18% | 2.17% | 1.82% | 1.80% | 2.20% | 2.12% |
VRIF.TO Vanguard Retirement Income ETF Portfolio | 3.71% | 3.77% | 3.94% | 4.32% | 4.72% | 3.86% | 1.27% | 0.00% | 0.00% |
Frequently Asked Questions
VGRO.TO and VRIF.TO have a correlation of 0.90, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, VGRO.TO is cheaper at 0.20% per year. The better choice depends on whether you care most about return, fees, risk, or income.
VGRO.TO is cheaper with a 0.20% expense ratio, compared with 0.29% for VRIF.TO.
Their fees differ too: 0.20% for VGRO.TO and 0.29% for VRIF.TO.
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