VSCGX vs. INPAX
VSCGX (Vanguard LifeStrategy 40/60 Fund) and INPAX (American Funds Conservative Growth and Income Portfolio) are both Diversified Portfolio funds. Over the past 10 years, VSCGX returned 6.28%/yr vs 6.95%/yr for INPAX. Their correlation of 0.91 means they have usually moved in the same direction. VSCGX charges 0.10%/yr vs 0.33%/yr for INPAX.
Performance
VSCGX vs. INPAX - Performance Comparison
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Returns By Period
In the year-to-date period, VSCGX achieves a 4.37% return, which is significantly lower than INPAX's 5.00% return. Over the past 10 years, VSCGX has underperformed INPAX with an annualized return of 6.28%, while INPAX has yielded a comparatively higher 6.95% annualized return.
VSCGX
- 1D
- 0.04%
- 1M
- -0.62%
- 6M
- 2.73%
- YTD
- 4.37%
- 1Y
- 10.41%
- 3Y*
- 11.16%
- 5Y*
- 4.94%
- 10Y*
- 6.28%
- ALL TIME*
- 6.72%
INPAX
- 1D
- 0.00%
- 1M
- 0.14%
- 6M
- 2.76%
- YTD
- 5.00%
- 1Y
- 11.10%
- 3Y*
- 10.75%
- 5Y*
- 6.20%
- 10Y*
- 6.95%
- ALL TIME*
- 7.18%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
VSCGX vs. INPAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VSCGX Vanguard LifeStrategy 40/60 Fund | 4.37% | 12.87% | 11.65% | 12.72% | -15.00% | 6.04% | 11.51% | 15.69% | -2.95% | 10.02% |
INPAX American Funds Conservative Growth and Income Portfolio | 5.00% | 13.33% | 9.26% | 9.53% | -8.71% | 12.96% | 5.72% | 15.82% | -3.60% | 11.57% |
Correlation
The correlation between VSCGX and INPAX is 0.91, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.91 |
Correlation (3Y) Balances recent behavior with more history. | 0.90 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.91 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.90 |
Correlation (All Time) Calculated using the full available price history since May 21, 2012 | 0.91 |
The correlation between VSCGX and INPAX has been stable across timeframes, ranging from 0.90 to 0.91 - a consistent structural relationship.
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Return for Risk
VSCGX vs. INPAX — Risk / Return Rank
VSCGX
INPAX
VSCGX vs. INPAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard LifeStrategy 40/60 Fund (VSCGX) and American Funds Conservative Growth and Income Portfolio (INPAX). 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.
| VSCGX | INPAX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.22 | ||
| Sortino ratioReturn per unit of downside risk | -0.25 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.33 | -0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.00 | 1.85 | +0.14 |
| Martin ratioReturn relative to average drawdown | 8.25 | 8.00 | +0.25 |
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Drawdowns
VSCGX vs. INPAX - Drawdown Comparison
The maximum VSCGX drawdown since its inception was -30.62%, which is greater than INPAX's maximum drawdown of -21.25%. Use the drawdown chart below to compare losses from any high point for VSCGX and INPAX.
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Drawdown Indicators
| VSCGX | INPAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -30.62% | -21.25% | -9.37% |
Max Drawdown (1Y)Largest decline over 1 year | -5.19% | -5.89% | +0.70% |
Max Drawdown (3Y)Largest decline over 3 years | -6.17% | -7.77% | +1.60% |
Max Drawdown (5Y)Largest decline over 5 years | -20.15% | -15.36% | -4.79% |
Max Drawdown (10Y)Largest decline over 10 years | -20.15% | -21.25% | +1.10% |
Current DrawdownCurrent decline from peak | -1.21% | -0.14% | -1.07% |
Average DrawdownAverage peak-to-trough decline | -2.99% | -2.29% | -0.70% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.25% | 1.36% | -0.11% |
Volatility
VSCGX vs. INPAX - Volatility Comparison
Vanguard LifeStrategy 40/60 Fund (VSCGX) has a higher volatility of 2.03% compared to American Funds Conservative Growth and Income Portfolio (INPAX) at 1.38%. This indicates that VSCGX's price experiences larger fluctuations and is considered to be riskier than INPAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VSCGX | INPAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.03% | 1.38% | +0.65% |
Volatility (6M)Calculated over the trailing 6-month period | 5.77% | 5.05% | +0.72% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.74% | 6.24% | +0.50% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.81% | 7.56% | +0.25% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.40% | 8.31% | -0.91% |
VSCGX vs. INPAX - Expense Ratio Comparison
VSCGX has a 0.10% expense ratio, which is lower than INPAX's 0.33% expense ratio.
Dividends
VSCGX vs. INPAX - Dividend Comparison
VSCGX's dividend yield for the trailing twelve months is around 5.33%, more than INPAX's 4.79% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
INPAX American Funds Conservative Growth and Income Portfolio | 4.79% | 4.87% | 5.21% | 4.82% | 4.90% | 4.43% | 5.59% | 4.57% | 4.85% | 3.29% | 3.58% | 3.90% |
VSCGX Vanguard LifeStrategy 40/60 Fund | 5.33% | 5.50% | 11.03% | 5.23% | 2.79% | 4.18% | 3.28% | 2.62% | 3.81% | 1.65% | 2.43% | 3.21% |
Frequently Asked Questions
With a correlation of 0.91, VSCGX and INPAX 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.
VSCGX has higher volatility (2.03%) compared to INPAX (1.38%). In terms of maximum drawdown, VSCGX dropped -30.62% vs INPAX's -21.25%.
INPAX currently has the higher Sharpe Ratio (1.75 vs 1.54), 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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