VTHRX vs. VBTIX
Compare and contrast key facts about Vanguard Target Retirement 2030 Fund (VTHRX) and Vanguard Total Bond Market Index Fund Institutional Shares (VBTIX).
VTHRX is managed by Vanguard. It was launched on Jun 7, 2006. VBTIX is managed by Vanguard. It was launched on Sep 18, 1995.
Performance
VTHRX vs. VBTIX - Performance Comparison
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VTHRX vs. VBTIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTHRX Vanguard Target Retirement 2030 Fund | -1.04% | 16.25% | 10.43% | 16.24% | -16.28% | 11.37% | 14.11% | 21.08% | -5.85% | 15.24% |
VBTIX Vanguard Total Bond Market Index Fund Institutional Shares | -0.28% | 7.18% | 1.27% | 5.75% | -13.15% | -1.95% | 7.75% | 8.74% | -0.24% | 3.56% |
Returns By Period
In the year-to-date period, VTHRX achieves a -1.04% return, which is significantly lower than VBTIX's -0.28% return. Over the past 10 years, VTHRX has outperformed VBTIX with an annualized return of 8.19%, while VBTIX has yielded a comparatively lower 1.61% annualized return.
VTHRX
- 1D
- 1.80%
- 1M
- -4.21%
- YTD
- -1.04%
- 6M
- 0.92%
- 1Y
- 14.44%
- 3Y*
- 11.80%
- 5Y*
- 5.88%
- 10Y*
- 8.19%
VBTIX
- 1D
- 0.21%
- 1M
- -1.63%
- YTD
- -0.28%
- 6M
- 0.40%
- 1Y
- 3.67%
- 3Y*
- 3.52%
- 5Y*
- 0.20%
- 10Y*
- 1.61%
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VTHRX vs. VBTIX - Expense Ratio Comparison
VTHRX has a 0.08% expense ratio, which is higher than VBTIX's 0.04% expense ratio. However, 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
VTHRX vs. VBTIX — Risk / Return Rank
VTHRX
VBTIX
VTHRX vs. VBTIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2030 Fund (VTHRX) and Vanguard Total Bond Market Index Fund Institutional Shares (VBTIX). 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.
| VTHRX | VBTIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.46 | 0.93 | +0.53 |
Sortino ratioReturn per unit of downside risk | 2.09 | 1.34 | +0.75 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.16 | +0.14 |
Calmar ratioReturn relative to maximum drawdown | 2.05 | 1.67 | +0.38 |
Martin ratioReturn relative to average drawdown | 8.88 | 4.72 | +4.16 |
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
| VTHRX | VBTIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.46 | 0.93 | +0.53 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.03 | +0.54 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | 0.33 | +0.41 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.47 | 0.95 | -0.47 |
Correlation
The correlation between VTHRX and VBTIX is -0.10. 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
VTHRX vs. VBTIX - Dividend Comparison
VTHRX's dividend yield for the trailing twelve months is around 4.07%, more than VBTIX's 3.62% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTHRX Vanguard Target Retirement 2030 Fund | 4.07% | 4.03% | 3.63% | 2.59% | 2.53% | 17.56% | 2.56% | 2.38% | 2.71% | 0.06% | 2.38% | 3.72% |
VBTIX Vanguard Total Bond Market Index Fund Institutional Shares | 3.62% | 3.88% | 3.69% | 3.12% | 2.61% | 1.81% | 2.41% | 2.75% | 2.58% | 2.56% | 2.54% | 2.84% |
Drawdowns
VTHRX vs. VBTIX - Drawdown Comparison
The maximum VTHRX drawdown since its inception was -49.57%, which is greater than VBTIX's maximum drawdown of -18.90%. Use the drawdown chart below to compare losses from any high point for VTHRX and VBTIX.
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Drawdown Indicators
| VTHRX | VBTIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -49.57% | -18.90% | -30.67% |
Max Drawdown (1Y)Largest decline over 1 year | -7.25% | -2.73% | -4.52% |
Max Drawdown (5Y)Largest decline over 5 years | -22.75% | -18.13% | -4.62% |
Max Drawdown (10Y)Largest decline over 10 years | -24.86% | -18.90% | -5.96% |
Current DrawdownCurrent decline from peak | -4.88% | -2.94% | -1.94% |
Average DrawdownAverage peak-to-trough decline | -6.23% | -2.32% | -3.91% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.67% | 0.97% | +0.70% |
Volatility
VTHRX vs. VBTIX - Volatility Comparison
Vanguard Target Retirement 2030 Fund (VTHRX) has a higher volatility of 4.07% compared to Vanguard Total Bond Market Index Fund Institutional Shares (VBTIX) at 1.55%. This indicates that VTHRX's price experiences larger fluctuations and is considered to be riskier than VBTIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTHRX | VBTIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.07% | 1.55% | +2.52% |
Volatility (6M)Calculated over the trailing 6-month period | 6.19% | 2.58% | +3.61% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.19% | 4.36% | +5.83% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.33% | 5.99% | +4.34% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.24% | 4.97% | +6.27% |