VTINX vs. VSCGX
Compare and contrast key facts about Vanguard Target Retirement Income Fund (VTINX) and Vanguard LifeStrategy Conservative Growth Fund (VSCGX).
VTINX is managed by Vanguard. It was launched on Oct 27, 2003. VSCGX is managed by Vanguard. It was launched on Sep 30, 1994.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: VTINX or VSCGX.
Key characteristics
| VTINX | VSCGX | |
|---|---|---|
| YTD Return | 7.73% | 9.03% |
| 1Y Return | 15.01% | 17.70% |
| 3Y Return (Ann) | 1.12% | 1.15% |
| 5Y Return (Ann) | 4.17% | 4.72% |
| 10Y Return (Ann) | 4.34% | 5.05% |
| Sharpe Ratio | 2.79 | 2.76 |
| Sortino Ratio | 4.31 | 4.15 |
| Omega Ratio | 1.55 | 1.52 |
| Calmar Ratio | 1.41 | 1.39 |
| Martin Ratio | 17.70 | 17.43 |
| Ulcer Index | 0.81% | 0.97% |
| Daily Std Dev | 5.12% | 6.12% |
| Max Drawdown | -19.96% | -30.62% |
| Current Drawdown | -0.65% | -0.50% |
Correlation
The correlation between VTINX and VSCGX is 0.93, 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.
Performance
VTINX vs. VSCGX - Performance Comparison
In the year-to-date period, VTINX achieves a 7.73% return, which is significantly lower than VSCGX's 9.03% return. Over the past 10 years, VTINX has underperformed VSCGX with an annualized return of 4.34%, while VSCGX has yielded a comparatively higher 5.05% annualized return. The chart below displays the growth of a $10,000 investment in both assets, with all prices adjusted for splits and dividends.
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VTINX vs. VSCGX - Expense Ratio Comparison
VTINX has a 0.08% expense ratio, which is lower than VSCGX's 0.12% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Risk-Adjusted Performance
VTINX vs. VSCGX - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement Income Fund (VTINX) and Vanguard LifeStrategy Conservative Growth Fund (VSCGX). 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.
Dividends
VTINX vs. VSCGX - Dividend Comparison
VTINX's dividend yield for the trailing twelve months is around 3.25%, more than VSCGX's 3.06% yield.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTINX Vanguard Target Retirement Income Fund | 3.25% | 2.98% | 2.71% | 2.59% | 1.65% | 2.51% | 2.69% | 2.10% | 1.94% | 1.84% | 1.84% | 1.63% |
VSCGX Vanguard LifeStrategy Conservative Growth Fund | 3.06% | 2.93% | 2.05% | 1.98% | 1.73% | 2.58% | 2.70% | 2.21% | 2.22% | 2.19% | 2.16% | 1.96% |
Drawdowns
VTINX vs. VSCGX - Drawdown Comparison
The maximum VTINX drawdown since its inception was -19.96%, smaller than the maximum VSCGX drawdown of -30.62%. Use the drawdown chart below to compare losses from any high point for VTINX and VSCGX. For additional features, visit the drawdowns tool.
Volatility
VTINX vs. VSCGX - Volatility Comparison
The current volatility for Vanguard Target Retirement Income Fund (VTINX) is 1.27%, while Vanguard LifeStrategy Conservative Growth Fund (VSCGX) has a volatility of 1.53%. This indicates that VTINX experiences smaller price fluctuations and is considered to be less risky than VSCGX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.