VTTVX vs. IBIT
VTTVX (Vanguard Target Retirement 2025 Fund) and IBIT (iShares Bitcoin Trust ETF) are both funds - VTTVX is a Diversified Portfolio fund managed by Vanguard, while IBIT is a Cryptocurrency fund tracking the CME CF Bitcoin Reference Rate - New York Variant. Over the past year, VTTVX returned 14.33% vs -40.63% for IBIT. At a 0.39 correlation, their price movements are largely independent. VTTVX charges 0.08%/yr vs 0.25%/yr for IBIT.
Performance
VTTVX vs. IBIT - Performance Comparison
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Returns By Period
In the year-to-date period, VTTVX achieves a 5.56% return, which is significantly higher than IBIT's -27.41% return.
VTTVX
- 1D
- 1.40%
- 1M
- 0.24%
- YTD
- 5.56%
- 6M
- 6.18%
- 1Y
- 14.33%
- 3Y*
- 12.18%
- 5Y*
- 5.66%
- 10Y*
- 7.98%
IBIT
- 1D
- -0.03%
- 1M
- -20.12%
- YTD
- -27.41%
- 6M
- -29.61%
- 1Y
- -40.63%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
VTTVX vs. IBIT - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | |
|---|---|---|---|
VTTVX Vanguard Target Retirement 2025 Fund | 5.56% | 14.63% | 10.19% |
IBIT iShares Bitcoin Trust ETF | -27.41% | -6.41% | 89.87% |
Correlation
The correlation between VTTVX and IBIT is 0.48, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.48 |
Correlation (All Time) Calculated using the full available price history since Jan 11, 2024 | 0.39 |
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Return for Risk
VTTVX vs. IBIT — Risk / Return Rank
VTTVX
IBIT
VTTVX vs. IBIT - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2025 Fund (VTTVX) and iShares Bitcoin Trust ETF (IBIT). 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.
| VTTVX | IBIT | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.97 | ||
| Sortino ratioReturn per unit of downside risk | +4.21 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 0.85 | +0.53 |
| Calmar ratioReturn relative to maximum drawdown | 2.66 | -0.78 | +3.44 |
| Martin ratioReturn relative to average drawdown | 11.38 | -1.37 | +12.75 |
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Drawdowns
VTTVX vs. IBIT - Drawdown Comparison
The maximum VTTVX drawdown since its inception was -46.03%, smaller than the maximum IBIT drawdown of -52.11%. Use the drawdown chart below to compare losses from any high point for VTTVX and IBIT.
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Drawdown Indicators
| VTTVX | IBIT | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -46.03% | -52.11% | +6.08% |
Max Drawdown (1Y)Largest decline over 1 year | -5.57% | -52.11% | +46.54% |
Max Drawdown (3Y)Largest decline over 3 years | -7.84% | — | — |
Max Drawdown (5Y)Largest decline over 5 years | -21.52% | — | — |
Max Drawdown (10Y)Largest decline over 10 years | -22.51% | — | — |
Current DrawdownCurrent decline from peak | -1.17% | -49.45% | +48.28% |
Average DrawdownAverage peak-to-trough decline | -5.05% | -16.53% | +11.48% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.30% | 29.64% | -28.34% |
Volatility
VTTVX vs. IBIT - Volatility Comparison
The current volatility for Vanguard Target Retirement 2025 Fund (VTTVX) is 3.03%, while iShares Bitcoin Trust ETF (IBIT) has a volatility of 12.07%. This indicates that VTTVX experiences smaller price fluctuations and is considered to be less risky than IBIT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTTVX | IBIT | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.03% | 12.07% | -9.04% |
Volatility (6M)Calculated over the trailing 6-month period | 6.01% | 34.45% | -28.44% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.23% | 44.10% | -36.87% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.14% | 50.26% | -41.12% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.96% | 50.26% | -40.30% |
VTTVX vs. IBIT - Expense Ratio Comparison
VTTVX has a 0.08% expense ratio, which is lower than IBIT's 0.25% 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%.
Dividends
VTTVX vs. IBIT - Dividend Comparison
VTTVX's dividend yield for the trailing twelve months is around 7.00%, while IBIT has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IBIT iShares Bitcoin Trust ETF | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VTTVX Vanguard Target Retirement 2025 Fund | 7.00% | 7.38% | 7.63% | 3.96% | 2.96% | 16.28% | 4.35% | 2.57% | 3.14% | 0.47% | 2.68% | 4.98% |
Frequently Asked Questions
VTTVX and IBIT have a correlation of 0.48, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
IBIT has higher volatility (12.07%) compared to VTTVX (3.03%). In terms of maximum drawdown, VTTVX dropped -46.03% vs IBIT's -52.11%.
VTTVX currently has the higher Sharpe Ratio (2.05 vs -0.92), 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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