VTINX vs. VOO
Compare and contrast key facts about Vanguard Target Retirement Income Fund (VTINX) and Vanguard S&P 500 ETF (VOO).
VTINX is managed by Vanguard. It was launched on Oct 27, 2003. VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.
Performance
VTINX vs. VOO - Performance Comparison
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VTINX vs. VOO - 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% |
VOO Vanguard S&P 500 ETF | -3.66% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Returns By Period
In the year-to-date period, VTINX achieves a -0.46% return, which is significantly higher than VOO's -3.66% return. Over the past 10 years, VTINX has underperformed VOO with an annualized return of 4.94%, while VOO has yielded a comparatively higher 14.14% 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%
VOO
- 1D
- 0.79%
- 1M
- -4.29%
- YTD
- -3.66%
- 6M
- -1.41%
- 1Y
- 18.17%
- 3Y*
- 18.58%
- 5Y*
- 11.93%
- 10Y*
- 14.14%
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VTINX vs. VOO - Expense Ratio Comparison
VTINX has a 0.08% expense ratio, which is higher than VOO's 0.03% 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
VTINX vs. VOO — Risk / Return Rank
VTINX
VOO
VTINX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement Income Fund (VTINX) and Vanguard S&P 500 ETF (VOO). 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 | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.67 | 1.01 | +0.66 |
Sortino ratioReturn per unit of downside risk | 2.39 | 1.53 | +0.86 |
Omega ratioGain probability vs. loss probability | 1.34 | 1.23 | +0.11 |
Calmar ratioReturn relative to maximum drawdown | 2.29 | 1.55 | +0.73 |
Martin ratioReturn relative to average drawdown | 9.59 | 7.31 | +2.28 |
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 | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.67 | 1.01 | +0.66 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.60 | 0.71 | -0.11 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.87 | 0.79 | +0.08 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.90 | 0.83 | +0.06 |
Correlation
The correlation between VTINX and VOO is 0.81, 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. VOO - Dividend Comparison
VTINX's dividend yield for the trailing twelve months is around 5.05%, more than VOO's 1.18% 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% |
VOO Vanguard S&P 500 ETF | 1.18% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Drawdowns
VTINX vs. VOO - Drawdown Comparison
The maximum VTINX drawdown since its inception was -19.96%, smaller than the maximum VOO drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for VTINX and VOO.
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Drawdown Indicators
| VTINX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.96% | -33.99% | +14.03% |
Max Drawdown (1Y)Largest decline over 1 year | -4.14% | -11.98% | +7.84% |
Max Drawdown (5Y)Largest decline over 5 years | -17.02% | -24.52% | +7.50% |
Max Drawdown (10Y)Largest decline over 10 years | -17.02% | -33.99% | +16.97% |
Current DrawdownCurrent decline from peak | -3.04% | -5.55% | +2.51% |
Average DrawdownAverage peak-to-trough decline | -2.21% | -3.72% | +1.51% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.99% | 2.55% | -1.56% |
Volatility
VTINX vs. VOO - Volatility Comparison
The current volatility for Vanguard Target Retirement Income Fund (VTINX) is 2.50%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.34%. This indicates that VTINX experiences smaller price fluctuations and is considered to be less risky than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTINX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.50% | 5.34% | -2.84% |
Volatility (6M)Calculated over the trailing 6-month period | 3.59% | 9.47% | -5.88% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.60% | 18.11% | -12.51% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.01% | 16.82% | -10.81% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.69% | 17.99% | -12.30% |