VTINX vs. TIBIX
Compare and contrast key facts about Vanguard Target Retirement Income Fund (VTINX) and Thornburg Investment Income Builder Fund Class I (TIBIX).
VTINX is managed by Vanguard. It was launched on Oct 27, 2003. TIBIX is an actively managed fund by Thornburg. It was launched on Dec 24, 2002.
Performance
VTINX vs. TIBIX - Performance Comparison
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VTINX vs. TIBIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTINX Vanguard Target Retirement Income Fund | -0.46% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
TIBIX Thornburg Investment Income Builder Fund Class I | 9.82% | 37.01% | 13.48% | 18.28% | -7.69% | 20.36% | -0.40% | 18.01% | -4.31% | 15.23% |
Returns By Period
In the year-to-date period, VTINX achieves a -0.46% return, which is significantly lower than TIBIX's 9.82% return. Over the past 10 years, VTINX has underperformed TIBIX with an annualized return of 4.94%, while TIBIX has yielded a comparatively higher 12.18% annualized return.
VTINX
- 1D
- 0.96%
- 1M
- -2.70%
- YTD
- -0.46%
- 6M
- 0.80%
- 1Y
- 9.06%
- 3Y*
- 7.86%
- 5Y*
- 3.59%
- 10Y*
- 4.94%
TIBIX
- 1D
- 1.69%
- 1M
- -2.43%
- YTD
- 9.82%
- 6M
- 16.92%
- 1Y
- 38.14%
- 3Y*
- 24.21%
- 5Y*
- 15.48%
- 10Y*
- 12.18%
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VTINX vs. TIBIX - Expense Ratio Comparison
VTINX has a 0.08% expense ratio, which is lower than TIBIX's 0.93% expense ratio.
Return for Risk
VTINX vs. TIBIX — Risk / Return Rank
VTINX
TIBIX
VTINX vs. TIBIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement Income Fund (VTINX) and Thornburg Investment Income Builder Fund Class I (TIBIX). 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.
| VTINX | TIBIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.67 | 3.57 | -1.89 |
Sortino ratioReturn per unit of downside risk | 2.39 | 4.54 | -2.15 |
Omega ratioGain probability vs. loss probability | 1.34 | 1.79 | -0.45 |
Calmar ratioReturn relative to maximum drawdown | 2.29 | 4.43 | -2.15 |
Martin ratioReturn relative to average drawdown | 9.59 | 21.79 | -12.20 |
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
| VTINX | TIBIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.67 | 3.57 | -1.89 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.60 | 1.40 | -0.80 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.87 | 0.91 | -0.04 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.90 | 0.75 | +0.15 |
Correlation
The correlation between VTINX and TIBIX is 0.72, 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
VTINX vs. TIBIX - Dividend Comparison
VTINX's dividend yield for the trailing twelve months is around 5.05%, less than TIBIX's 5.40% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTINX Vanguard Target Retirement Income Fund | 5.05% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
TIBIX Thornburg Investment Income Builder Fund Class I | 5.40% | 5.83% | 5.67% | 4.89% | 5.89% | 5.33% | 4.31% | 4.46% | 4.77% | 4.52% | 4.14% | 4.66% |
Drawdowns
VTINX vs. TIBIX - Drawdown Comparison
The maximum VTINX drawdown since its inception was -19.96%, smaller than the maximum TIBIX drawdown of -48.88%. Use the drawdown chart below to compare losses from any high point for VTINX and TIBIX.
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Drawdown Indicators
| VTINX | TIBIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.96% | -48.88% | +28.92% |
Max Drawdown (1Y)Largest decline over 1 year | -4.14% | -8.58% | +4.44% |
Max Drawdown (5Y)Largest decline over 5 years | -17.02% | -20.79% | +3.77% |
Max Drawdown (10Y)Largest decline over 10 years | -17.02% | -34.85% | +17.83% |
Current DrawdownCurrent decline from peak | -3.04% | -3.47% | +0.43% |
Average DrawdownAverage peak-to-trough decline | -2.21% | -6.00% | +3.79% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.99% | 1.75% | -0.76% |
Volatility
VTINX vs. TIBIX - Volatility Comparison
The current volatility for Vanguard Target Retirement Income Fund (VTINX) is 2.50%, while Thornburg Investment Income Builder Fund Class I (TIBIX) has a volatility of 3.68%. This indicates that VTINX experiences smaller price fluctuations and is considered to be less risky than TIBIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTINX | TIBIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.50% | 3.68% | -1.18% |
Volatility (6M)Calculated over the trailing 6-month period | 3.59% | 6.57% | -2.98% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.60% | 10.83% | -5.23% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.01% | 11.11% | -5.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.69% | 13.48% | -7.79% |