VINIX vs. RLBGX
Compare and contrast key facts about Vanguard Institutional Index Fund Institutional Shares (VINIX) and American Funds American Balanced Fund Class R-6 (RLBGX).
VINIX is managed by Vanguard. It was launched on Jul 31, 1990. RLBGX is managed by American Funds. It was launched on Jul 26, 1975.
Performance
VINIX vs. RLBGX - Performance Comparison
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VINIX vs. RLBGX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VINIX Vanguard Institutional Index Fund Institutional Shares | -4.35% | 17.85% | 26.28% | 25.77% | -18.15% | 28.67% | 18.40% | 31.46% | -4.42% | 21.79% |
RLBGX American Funds American Balanced Fund Class R-6 | -1.07% | 18.83% | 15.35% | 13.92% | -11.85% | 16.10% | 11.20% | 18.95% | -3.07% | 14.97% |
Returns By Period
In the year-to-date period, VINIX achieves a -4.35% return, which is significantly lower than RLBGX's -1.07% return. Over the past 10 years, VINIX has outperformed RLBGX with an annualized return of 14.13%, while RLBGX has yielded a comparatively lower 9.52% annualized return.
VINIX
- 1D
- 2.92%
- 1M
- -5.03%
- YTD
- -4.35%
- 6M
- -2.15%
- 1Y
- 17.32%
- 3Y*
- 18.69%
- 5Y*
- 11.91%
- 10Y*
- 14.13%
RLBGX
- 1D
- 1.76%
- 1M
- -4.85%
- YTD
- -1.07%
- 6M
- 2.20%
- 1Y
- 17.26%
- 3Y*
- 14.51%
- 5Y*
- 8.58%
- 10Y*
- 9.52%
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VINIX vs. RLBGX - Expense Ratio Comparison
VINIX has a 0.04% expense ratio, which is lower than RLBGX's 0.25% expense ratio. Despite the difference, 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
VINIX vs. RLBGX — Risk / Return Rank
VINIX
RLBGX
VINIX vs. RLBGX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Institutional Index Fund Institutional Shares (VINIX) and American Funds American Balanced Fund Class R-6 (RLBGX). 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.
| VINIX | RLBGX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.97 | 1.59 | -0.62 |
Sortino ratioReturn per unit of downside risk | 1.49 | 2.33 | -0.84 |
Omega ratioGain probability vs. loss probability | 1.23 | 1.33 | -0.10 |
Calmar ratioReturn relative to maximum drawdown | 1.52 | 2.48 | -0.96 |
Martin ratioReturn relative to average drawdown | 7.30 | 10.39 | -3.09 |
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
| VINIX | RLBGX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.97 | 1.59 | -0.62 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.71 | 0.83 | -0.12 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.79 | 0.90 | -0.11 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.59 | 0.92 | -0.34 |
Correlation
The correlation between VINIX and RLBGX 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
VINIX vs. RLBGX - Dividend Comparison
VINIX's dividend yield for the trailing twelve months is around 2.80%, less than RLBGX's 8.69% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VINIX Vanguard Institutional Index Fund Institutional Shares | 2.80% | 2.10% | 3.64% | 2.65% | 3.38% | 4.77% | 3.06% | 2.85% | 2.43% | 1.82% | 2.36% | 2.45% |
RLBGX American Funds American Balanced Fund Class R-6 | 8.69% | 8.56% | 7.50% | 2.27% | 2.63% | 4.59% | 4.65% | 3.78% | 5.81% | 4.92% | 4.54% | 5.91% |
Drawdowns
VINIX vs. RLBGX - Drawdown Comparison
The maximum VINIX drawdown since its inception was -55.19%, which is greater than RLBGX's maximum drawdown of -22.33%. Use the drawdown chart below to compare losses from any high point for VINIX and RLBGX.
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Drawdown Indicators
| VINIX | RLBGX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.19% | -22.33% | -32.86% |
Max Drawdown (1Y)Largest decline over 1 year | -12.12% | -7.33% | -4.79% |
Max Drawdown (5Y)Largest decline over 5 years | -24.51% | -18.59% | -5.92% |
Max Drawdown (10Y)Largest decline over 10 years | -33.79% | -22.33% | -11.46% |
Current DrawdownCurrent decline from peak | -6.24% | -5.34% | -0.90% |
Average DrawdownAverage peak-to-trough decline | -8.56% | -2.48% | -6.08% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.52% | 1.75% | +0.77% |
Volatility
VINIX vs. RLBGX - Volatility Comparison
Vanguard Institutional Index Fund Institutional Shares (VINIX) has a higher volatility of 5.35% compared to American Funds American Balanced Fund Class R-6 (RLBGX) at 3.86%. This indicates that VINIX's price experiences larger fluctuations and is considered to be riskier than RLBGX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VINIX | RLBGX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.35% | 3.86% | +1.49% |
Volatility (6M)Calculated over the trailing 6-month period | 9.53% | 6.95% | +2.58% |
Volatility (1Y)Calculated over the trailing 1-year period | 18.32% | 11.19% | +7.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.90% | 10.45% | +6.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 18.04% | 10.63% | +7.41% |