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VITSX vs. VBIAX
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VITSX vs. VBIAX

Last updated Jun 4, 2026

VITSX (Vanguard Total Stock Market Index Fund Institutional Shares) and VBIAX (Vanguard Balanced Index Fund Admiral Shares) are both mutual funds - VITSX is a Large Cap Blend Equities fund managed by Vanguard, while VBIAX is a Diversified Portfolio fund tracking the 60% CRSP US Total Market Index / 40% Bloomberg U.S. Aggregate Float Adjusted Index. Over the past 10 years, VITSX returned 15.13%/yr vs 9.83%/yr for VBIAX. With a 0.98 correlation, they move nearly in lockstep. VITSX charges 0.03%/yr vs 0.07%/yr for VBIAX.

Performance

VITSX vs. VBIAX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Total Stock Market Index Fund Institutional Shares (VITSX) and Vanguard Balanced Index Fund Admiral Shares (VBIAX). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, VITSX achieves a 11.98% return, which is significantly higher than VBIAX's 7.35% return. Over the past 10 years, VITSX has outperformed VBIAX with an annualized return of 15.13%, while VBIAX has yielded a comparatively lower 9.83% annualized return.

VITSX

1D
0.24%
1M
5.76%
YTD
11.98%
6M
11.88%
1Y
29.11%
3Y*
22.36%
5Y*
13.05%
10Y*
15.13%

VBIAX

1D
0.15%
1M
3.71%
YTD
7.35%
6M
7.26%
1Y
19.35%
3Y*
15.04%
5Y*
8.01%
10Y*
9.83%
*Multi-year figures are annualized to reflect compound growth (CAGR)

VITSX vs. VBIAX - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VITSX
Vanguard Total Stock Market Index Fund Institutional Shares		11.98%17.14%23.25%26.51%-19.51%25.74%20.99%30.80%-5.18%21.16%
VBIAX
Vanguard Balanced Index Fund Admiral Shares		7.35%13.61%14.58%17.54%-16.90%14.21%16.40%21.78%-2.86%13.89%

Correlation

The correlation between VITSX and VBIAX is 0.98 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.98

Correlation (3Y)
Calculated over the trailing 3-year period

0.97

Correlation (5Y)
Calculated over the trailing 5-year period

0.97

Correlation (10Y)
Calculated over the trailing 10-year period

0.97

Correlation (All Time)
Calculated using the full available price history since Nov 14, 2000

0.98

The correlation between VITSX and VBIAX has been stable across timeframes, ranging from 0.97 to 0.98 - a consistent structural relationship.

VITSX vs. VBIAX - Sectors Allocation Comparison

Sectors
VITSX
VBIAX

Technology

33.3%
33.5%

Financial Services

11.9%
12.0%

Communication Services

10.1%
10.3%

Consumer Cyclical

9.8%
10.0%

Industrials

9.5%
9.8%

Healthcare

9.1%
9.2%

Consumer Defensive

4.7%
4.7%

Energy

3.8%
3.7%

Utilities

2.7%
2.3%

Real Estate

2.4%
2.4%

Basic Materials

2.0%
2.0%

Technology

VITSX
33.3%
VBIAX
33.5%

Financial Services

VITSX
11.9%
VBIAX
12.0%

Communication Services

VITSX
10.1%
VBIAX
10.3%

Consumer Cyclical

VITSX
9.8%
VBIAX
10.0%

Industrials

VITSX
9.5%
VBIAX
9.8%

Healthcare

VITSX
9.1%
VBIAX
9.2%

Consumer Defensive

VITSX
4.7%
VBIAX
4.7%

Energy

VITSX
3.8%
VBIAX
3.7%

Utilities

VITSX
2.7%
VBIAX
2.3%

Real Estate

VITSX
2.4%
VBIAX
2.4%

Basic Materials

VITSX
2.0%
VBIAX
2.0%

Compare stocks, funds, or ETFs

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Vanguard Total Stock Market Index Fund Institutional Shares

Vanguard Balanced Index Fund Admiral Shares

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Return for Risk

VITSX vs. VBIAX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VITSX
VITSX Risk / Return Rank: 7171
Overall Rank
VITSX Sharpe Ratio Rank: 7272
Sharpe Ratio Rank
VITSX Sortino Ratio Rank: 6565
Sortino Ratio Rank
VITSX Omega Ratio Rank: 6363
Omega Ratio Rank
VITSX Calmar Ratio Rank: 7575
Calmar Ratio Rank
VITSX Martin Ratio Rank: 8383
Martin Ratio Rank
VBIAX
VBIAX Risk / Return Rank: 7676
Overall Rank
VBIAX Sharpe Ratio Rank: 7676
Sharpe Ratio Rank
VBIAX Sortino Ratio Rank: 7474
Sortino Ratio Rank
VBIAX Omega Ratio Rank: 7070
Omega Ratio Rank
VBIAX Calmar Ratio Rank: 7575
Calmar Ratio Rank
VBIAX Martin Ratio Rank: 8383
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

VITSX vs. VBIAX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Total Stock Market Index Fund Institutional Shares (VITSX) and Vanguard Balanced Index Fund Admiral Shares (VBIAX). 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.

VITSXVBIAXDifference
Sharpe ratioReturn per unit of total volatility
2.47
2.52

-0.05

Sortino ratioReturn per unit of downside risk
3.36
3.59

-0.23

Omega ratioGain probability vs. loss probability

1.44

1.47

-0.02

Calmar ratioReturn relative to maximum drawdown

3.37

3.42

-0.05

Martin ratioReturn relative to average drawdown

15.58

15.60

-0.02

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

VITSX vs. VBIAX - Sharpe Ratio Comparison

The current VITSX Sharpe Ratio is 2.47, which is comparable to the VBIAX Sharpe Ratio of 2.52. The chart below compares the historical Sharpe Ratios of VITSX and VBIAX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Sharpe Ratios by Period

VITSXVBIAXDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

2.47

2.52

-0.05

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.76

0.73

+0.03

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.82

0.88

-0.06

Sharpe Ratio (All Time)

Calculated using the full available price history

0.49

0.64

-0.15

Drawdowns

VITSX vs. VBIAX - Drawdown Comparison

The maximum VITSX drawdown since its inception was -55.30%, which is greater than VBIAX's maximum drawdown of -35.90%. Use the drawdown chart below to compare losses from any high point for VITSX and VBIAX.

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Drawdown Indicators

VITSXVBIAXDifference

Max Drawdown

Largest peak-to-trough decline

-55.30%

-35.90%

-19.40%

Max Drawdown (1Y)

Largest decline over 1 year

-8.92%

-5.83%

-3.09%

Max Drawdown (3Y)

Largest decline over 3 years

-19.36%

-11.70%

-7.66%

Max Drawdown (5Y)

Largest decline over 5 years

-25.36%

-21.53%

-3.83%

Max Drawdown (10Y)

Largest decline over 10 years

-34.97%

-22.78%

-12.19%

Current Drawdown

Current decline from peak

0.00%

0.00%

0.00%

Average Drawdown

Average peak-to-trough decline

-10.07%

-4.44%

-5.63%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.93%

1.27%

+0.66%

Volatility

VITSX vs. VBIAX - Volatility Comparison

Vanguard Total Stock Market Index Fund Institutional Shares (VITSX) has a higher volatility of 2.95% compared to Vanguard Balanced Index Fund Admiral Shares (VBIAX) at 2.26%. This indicates that VITSX's price experiences larger fluctuations and is considered to be riskier than VBIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

VITSXVBIAXDifference

Volatility (1M)

Calculated over the trailing 1-month period

2.95%

2.26%

+0.69%

Volatility (6M)

Calculated over the trailing 6-month period

9.19%

6.11%

+3.08%

Volatility (1Y)

Calculated over the trailing 1-year period

12.19%

7.90%

+4.29%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

17.36%

11.05%

+6.31%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

18.41%

11.21%

+7.20%

VITSX vs. VBIAX - Expense Ratio Comparison

VITSX has a 0.03% expense ratio, which is lower than VBIAX's 0.07% 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%.

Dividends

VITSX vs. VBIAX - Dividend Comparison

VITSX's dividend yield for the trailing twelve months is around 1.01%, less than VBIAX's 5.21% yield.

PositionTTM20252024202320222021202020192018201720162015
VBIAX
Vanguard Balanced Index Fund Admiral Shares		5.21%6.00%5.27%4.35%2.83%3.19%2.65%2.28%2.32%1.95%2.09%2.09%
VITSX
Vanguard Total Stock Market Index Fund Institutional Shares		1.01%1.12%1.27%1.43%1.66%1.21%1.42%1.77%2.04%1.71%1.93%1.99%

Frequently Asked Questions

With a correlation of 0.98, VITSX and VBIAX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

VITSX has higher volatility (2.95%) compared to VBIAX (2.26%). In terms of maximum drawdown, VITSX dropped -55.30% vs VBIAX's -35.90%.

VBIAX currently has the higher Sharpe Ratio (2.52 vs 2.47), 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.

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