VRIF.TO vs. XSTP.TO
Compare and contrast key facts about Vanguard Retirement Income ETF Portfolio (VRIF.TO) and iShares 0-5 Year TIPS Bond Index ETF (XSTP.TO).
VRIF.TO and XSTP.TO are both exchange-traded funds (ETFs), meaning they are traded on stock exchanges and can be bought and sold throughout the day. VRIF.TO is an actively managed fund by Vanguard. It was launched on Sep 9, 2020. XSTP.TO is a passively managed fund by iShares that tracks the performance of the Morningstar Gbl Core Bd GR CAD. It was launched on Jul 6, 2021.
Performance
VRIF.TO vs. XSTP.TO - Performance Comparison
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VRIF.TO vs. XSTP.TO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
VRIF.TO Vanguard Retirement Income ETF Portfolio | 0.63% | 10.58% | 8.44% | 8.97% | -11.50% | 1.88% |
XSTP.TO iShares 0-5 Year TIPS Bond Index ETF | 2.42% | 0.64% | 13.59% | 2.31% | 9.51% | 4.71% |
Returns By Period
In the year-to-date period, VRIF.TO achieves a 0.63% return, which is significantly lower than XSTP.TO's 2.42% return.
VRIF.TO
- 1D
- 1.19%
- 1M
- -2.84%
- YTD
- 0.63%
- 6M
- 1.95%
- 1Y
- 9.14%
- 3Y*
- 8.19%
- 5Y*
- 4.12%
- 10Y*
- —
XSTP.TO
- 1D
- 0.00%
- 1M
- 2.14%
- YTD
- 2.42%
- 6M
- 0.89%
- 1Y
- 0.05%
- 3Y*
- 5.46%
- 5Y*
- —
- 10Y*
- —
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VRIF.TO vs. XSTP.TO - Expense Ratio Comparison
VRIF.TO has a 0.29% expense ratio, which is higher than XSTP.TO's 0.16% expense ratio.
Return for Risk
VRIF.TO vs. XSTP.TO — Risk / Return Rank
VRIF.TO
XSTP.TO
VRIF.TO vs. XSTP.TO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Retirement Income ETF Portfolio (VRIF.TO) and iShares 0-5 Year TIPS Bond Index ETF (XSTP.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.
| VRIF.TO | XSTP.TO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.52 | 0.01 | +1.51 |
Sortino ratioReturn per unit of downside risk | 2.13 | 0.05 | +2.08 |
Omega ratioGain probability vs. loss probability | 1.31 | 1.01 | +0.30 |
Calmar ratioReturn relative to maximum drawdown | 2.05 | 0.13 | +1.92 |
Martin ratioReturn relative to average drawdown | 7.91 | 0.24 | +7.67 |
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
| VRIF.TO | XSTP.TO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.52 | 0.01 | +1.51 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.67 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.83 | 1.01 | -0.18 |
Correlation
The correlation between VRIF.TO and XSTP.TO is -0.06. This indicates that the assets' prices tend to move in opposite directions. Negative correlation can be particularly beneficial for diversification and risk management, as one asset may offset the losses of the other during market fluctuations.
Dividends
VRIF.TO vs. XSTP.TO - Dividend Comparison
VRIF.TO's dividend yield for the trailing twelve months is around 3.80%, less than XSTP.TO's 4.03% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
VRIF.TO Vanguard Retirement Income ETF Portfolio | 3.49% | 3.77% | 3.96% | 4.33% | 4.72% | 3.86% | 1.27% |
XSTP.TO iShares 0-5 Year TIPS Bond Index ETF | 4.03% | 4.06% | 2.41% | 3.08% | 5.70% | 2.19% | 0.00% |
Drawdowns
VRIF.TO vs. XSTP.TO - Drawdown Comparison
The maximum VRIF.TO drawdown since its inception was -16.19%, which is greater than XSTP.TO's maximum drawdown of -5.68%. Use the drawdown chart below to compare losses from any high point for VRIF.TO and XSTP.TO.
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Drawdown Indicators
| VRIF.TO | XSTP.TO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -16.19% | -5.68% | -10.51% |
Max Drawdown (1Y)Largest decline over 1 year | -4.55% | -5.05% | +0.50% |
Max Drawdown (5Y)Largest decline over 5 years | -16.19% | — | — |
Current DrawdownCurrent decline from peak | -2.90% | -1.22% | -1.68% |
Average DrawdownAverage peak-to-trough decline | -3.96% | -1.66% | -2.30% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.18% | 2.91% | -1.73% |
Volatility
VRIF.TO vs. XSTP.TO - Volatility Comparison
Vanguard Retirement Income ETF Portfolio (VRIF.TO) has a higher volatility of 3.04% compared to iShares 0-5 Year TIPS Bond Index ETF (XSTP.TO) at 1.35%. This indicates that VRIF.TO's price experiences larger fluctuations and is considered to be riskier than XSTP.TO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VRIF.TO | XSTP.TO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.04% | 1.35% | +1.69% |
Volatility (6M)Calculated over the trailing 6-month period | 4.02% | 3.96% | +0.06% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.03% | 5.67% | +0.36% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.19% | 7.18% | -0.99% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.23% | 7.18% | -0.95% |