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VTTVX vs. VTSAX
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VTTVX vs. VTSAX

Last updated Jun 4, 2026

VTTVX (Vanguard Target Retirement 2025 Fund) and VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) are both mutual funds - VTTVX is a Diversified Portfolio fund managed by Vanguard, while VTSAX is a Large Cap Blend Equities fund managed by Vanguard. Over the past 10 years, VTTVX returned 7.99%/yr vs 15.12%/yr for VTSAX. With a 0.95 correlation, they move nearly in lockstep. VTTVX charges 0.08%/yr vs 0.04%/yr for VTSAX.

Performance

VTTVX vs. VTSAX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Target Retirement 2025 Fund (VTTVX) and Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, VTTVX achieves a 6.82% return, which is significantly lower than VTSAX's 11.98% return. Over the past 10 years, VTTVX has underperformed VTSAX with an annualized return of 7.99%, while VTSAX has yielded a comparatively higher 15.12% annualized return.

VTTVX

1D
0.19%
1M
3.00%
YTD
6.82%
6M
7.29%
1Y
16.99%
3Y*
12.88%
5Y*
6.14%
10Y*
7.99%

VTSAX

1D
0.24%
1M
5.76%
YTD
11.98%
6M
11.87%
1Y
29.09%
3Y*
22.34%
5Y*
13.04%
10Y*
15.12%
*Multi-year figures are annualized to reflect compound growth (CAGR)

VTTVX vs. VTSAX - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VTTVX
Vanguard Target Retirement 2025 Fund		6.82%14.63%9.23%14.76%-15.57%9.78%13.31%19.63%-5.14%13.68%
VTSAX
Vanguard Total Stock Market Index Fund Admiral Shares		11.98%17.12%23.23%26.51%-19.52%25.72%20.98%30.79%-5.18%21.16%

Correlation

The correlation between VTTVX and VTSAX is 0.93, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.93

Correlation (3Y)
Calculated over the trailing 3-year period

0.91

Correlation (5Y)
Calculated over the trailing 5-year period

0.92

Correlation (10Y)
Calculated over the trailing 10-year period

0.93

Correlation (All Time)
Calculated using the full available price history since Oct 28, 2003

0.96

The correlation between VTTVX and VTSAX has been stable across timeframes, ranging from 0.91 to 0.95 - a consistent structural relationship.

VTTVX vs. VTSAX - Sectors Allocation Comparison

Sectors
VTTVX
VTSAX

Technology

27.4%
33.3%

Financial Services

16.1%
11.9%

Industrials

12.3%
9.5%

Consumer Cyclical

9.4%
9.8%

Healthcare

8.3%
9.1%

Communication Services

8.0%
10.1%

Consumer Defensive

4.8%
4.7%

Energy

4.3%
3.8%

Basic Materials

4.2%
2.0%

Utilities

2.7%
2.7%

Real Estate

2.5%
2.4%

Technology

VTTVX
27.4%
VTSAX
33.3%

Financial Services

VTTVX
16.1%
VTSAX
11.9%

Industrials

VTTVX
12.3%
VTSAX
9.5%

Consumer Cyclical

VTTVX
9.4%
VTSAX
9.8%

Healthcare

VTTVX
8.3%
VTSAX
9.1%

Communication Services

VTTVX
8.0%
VTSAX
10.1%

Consumer Defensive

VTTVX
4.8%
VTSAX
4.7%

Energy

VTTVX
4.3%
VTSAX
3.8%

Basic Materials

VTTVX
4.2%
VTSAX
2.0%

Utilities

VTTVX
2.7%
VTSAX
2.7%

Real Estate

VTTVX
2.5%
VTSAX
2.4%

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Vanguard Target Retirement 2025 Fund

Vanguard Total Stock Market Index Fund Admiral Shares

Often compared with VTTVX:
VTTVX vs. TRRHXVTTVX vs. FFTWXVTTVX vs. VOOVTTVX vs. VFIAXVTTVX vs. VTWNXVTTVX vs. SCHDVTTVX vs. FQIFX
Often compared with VTSAX:
VTSAX vs. VOOVTSAX vs. VTIAXVTSAX vs. SWTSXVTSAX vs. FSKAXVTSAX vs. VTIVTSAX vs. SPYVTSAX vs. VTWAX

Return for Risk

VTTVX vs. VTSAX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VTTVX
VTTVX Risk / Return Rank: 7171
Overall Rank
VTTVX Sharpe Ratio Rank: 7575
Sharpe Ratio Rank
VTTVX Sortino Ratio Rank: 7575
Sortino Ratio Rank
VTTVX Omega Ratio Rank: 7373
Omega Ratio Rank
VTTVX Calmar Ratio Rank: 6464
Calmar Ratio Rank
VTTVX Martin Ratio Rank: 7070
Martin Ratio Rank
VTSAX
VTSAX Risk / Return Rank: 7171
Overall Rank
VTSAX Sharpe Ratio Rank: 7272
Sharpe Ratio Rank
VTSAX Sortino Ratio Rank: 6565
Sortino Ratio Rank
VTSAX Omega Ratio Rank: 6363
Omega Ratio Rank
VTSAX Calmar Ratio Rank: 7474
Calmar Ratio Rank
VTSAX Martin Ratio Rank: 8383
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

VTTVX vs. VTSAX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2025 Fund (VTTVX) and Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX). 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.

VTTVXVTSAXDifference
Sharpe ratioReturn per unit of total volatility
2.52
2.47

+0.05

Sortino ratioReturn per unit of downside risk
3.62
3.36

+0.26

Omega ratioGain probability vs. loss probability

1.48

1.44

+0.04

Calmar ratioReturn relative to maximum drawdown

3.09

3.37

-0.29

Martin ratioReturn relative to average drawdown

13.50

15.56

-2.07

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

VTTVX vs. VTSAX - Sharpe Ratio Comparison

The current VTTVX Sharpe Ratio is 2.52, which is comparable to the VTSAX Sharpe Ratio of 2.47. The chart below compares the historical Sharpe Ratios of VTTVX and VTSAX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Sharpe Ratios by Period

VTTVXVTSAXDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

2.52

2.47

+0.05

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.68

0.76

-0.08

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.81

0.82

-0.02

Sharpe Ratio (All Time)

Calculated using the full available price history

0.57

0.47

+0.09

Drawdowns

VTTVX vs. VTSAX - Drawdown Comparison

The maximum VTTVX drawdown since its inception was -46.03%, smaller than the maximum VTSAX drawdown of -55.33%. Use the drawdown chart below to compare losses from any high point for VTTVX and VTSAX.

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Drawdown Indicators

VTTVXVTSAXDifference

Max Drawdown

Largest peak-to-trough decline

-46.03%

-55.33%

+9.30%

Max Drawdown (1Y)

Largest decline over 1 year

-5.57%

-8.92%

+3.35%

Max Drawdown (3Y)

Largest decline over 3 years

-7.84%

-19.36%

+11.52%

Max Drawdown (5Y)

Largest decline over 5 years

-21.52%

-25.36%

+3.84%

Max Drawdown (10Y)

Largest decline over 10 years

-22.51%

-34.97%

+12.46%

Current Drawdown

Current decline from peak

0.00%

0.00%

0.00%

Average Drawdown

Average peak-to-trough decline

-5.05%

-9.01%

+3.96%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.27%

1.93%

-0.66%

Volatility

VTTVX vs. VTSAX - Volatility Comparison

The current volatility for Vanguard Target Retirement 2025 Fund (VTTVX) is 2.24%, while Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) has a volatility of 2.95%. This indicates that VTTVX experiences smaller price fluctuations and is considered to be less risky than VTSAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

VTTVXVTSAXDifference

Volatility (1M)

Calculated over the trailing 1-month period

2.24%

2.95%

-0.71%

Volatility (6M)

Calculated over the trailing 6-month period

5.53%

9.19%

-3.66%

Volatility (1Y)

Calculated over the trailing 1-year period

6.83%

12.19%

-5.36%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

9.09%

17.36%

-8.27%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

9.94%

18.41%

-8.47%

VTTVX vs. VTSAX - Expense Ratio Comparison

VTTVX has a 0.08% expense ratio, which is higher than VTSAX'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%.

Dividends

VTTVX vs. VTSAX - Dividend Comparison

VTTVX's dividend yield for the trailing twelve months is around 6.91%, more than VTSAX's 1.00% yield.

PositionTTM20252024202320222021202020192018201720162015
VTSAX
Vanguard Total Stock Market Index Fund Admiral Shares		1.00%1.11%1.26%1.42%1.65%1.20%1.41%1.76%2.03%1.71%1.92%1.98%
VTTVX
Vanguard Target Retirement 2025 Fund		6.91%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

With a correlation of 0.93, VTTVX and VTSAX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

VTSAX has higher volatility (2.95%) compared to VTTVX (2.24%). In terms of maximum drawdown, VTTVX dropped -46.03% vs VTSAX's -55.33%.

VTTVX currently has the higher Sharpe Ratio (2.52 vs 2.47), 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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