VWINX vs. SWJRX
Compare and contrast key facts about Vanguard Wellesley Income Fund Investor Shares (VWINX) and Schwab Monthly Income Fund - Moderate Payout (SWJRX).
VWINX is managed by Vanguard. It was launched on Jul 1, 1970. SWJRX is managed by Charles Schwab. It was launched on Mar 27, 2008.
Performance
VWINX vs. SWJRX - Performance Comparison
Loading graphics...
VWINX vs. SWJRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VWINX Vanguard Wellesley Income Fund Investor Shares | 0.26% | 10.98% | 5.86% | 6.99% | -9.09% | 8.48% | 8.44% | 16.39% | -2.54% | 9.29% |
SWJRX Schwab Monthly Income Fund - Moderate Payout | 3.47% | 12.17% | 3.83% | 8.79% | -12.81% | 9.23% | 5.32% | 16.40% | -6.31% | 10.80% |
Returns By Period
In the year-to-date period, VWINX achieves a 0.26% return, which is significantly lower than SWJRX's 3.47% return. Over the past 10 years, VWINX has outperformed SWJRX with an annualized return of 5.67%, while SWJRX has yielded a comparatively lower 5.11% annualized return.
VWINX
- 1D
- 0.72%
- 1M
- -2.79%
- YTD
- 0.26%
- 6M
- 1.91%
- 1Y
- 8.13%
- 3Y*
- 7.55%
- 5Y*
- 4.12%
- 10Y*
- 5.67%
SWJRX
- 1D
- 0.37%
- 1M
- -3.23%
- YTD
- 3.47%
- 6M
- 5.55%
- 1Y
- 11.45%
- 3Y*
- 8.64%
- 5Y*
- 3.94%
- 10Y*
- 5.11%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
VWINX vs. SWJRX - Expense Ratio Comparison
VWINX has a 0.23% expense ratio, which is higher than SWJRX's 0.00% 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
VWINX vs. SWJRX — Risk / Return Rank
VWINX
SWJRX
VWINX vs. SWJRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Wellesley Income Fund Investor Shares (VWINX) and Schwab Monthly Income Fund - Moderate Payout (SWJRX). 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.
| VWINX | SWJRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.23 | 1.60 | -0.38 |
Sortino ratioReturn per unit of downside risk | 1.73 | 2.20 | -0.47 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.32 | -0.08 |
Calmar ratioReturn relative to maximum drawdown | 1.73 | 1.89 | -0.15 |
Martin ratioReturn relative to average drawdown | 6.81 | 8.53 | -1.72 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| VWINX | SWJRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.23 | 1.60 | -0.38 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.60 | 0.45 | +0.14 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.82 | 0.60 | +0.23 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.08 | 0.58 | +0.49 |
Correlation
The correlation between VWINX and SWJRX is 0.87, 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
VWINX vs. SWJRX - Dividend Comparison
VWINX's dividend yield for the trailing twelve months is around 7.93%, more than SWJRX's 4.29% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VWINX Vanguard Wellesley Income Fund Investor Shares | 7.93% | 7.86% | 6.61% | 4.73% | 7.67% | 6.03% | 4.30% | 3.94% | 7.56% | 3.20% | 4.00% | 5.60% |
SWJRX Schwab Monthly Income Fund - Moderate Payout | 4.29% | 4.78% | 4.94% | 4.80% | 8.67% | 3.62% | 2.49% | 5.36% | 3.47% | 2.93% | 6.05% | 6.80% |
Drawdowns
VWINX vs. SWJRX - Drawdown Comparison
The maximum VWINX drawdown since its inception was -21.72%, smaller than the maximum SWJRX drawdown of -25.61%. Use the drawdown chart below to compare losses from any high point for VWINX and SWJRX.
Loading graphics...
Drawdown Indicators
| VWINX | SWJRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -21.72% | -25.61% | +3.89% |
Max Drawdown (1Y)Largest decline over 1 year | -5.01% | -6.23% | +1.22% |
Max Drawdown (5Y)Largest decline over 5 years | -15.30% | -20.87% | +5.57% |
Max Drawdown (10Y)Largest decline over 10 years | -17.43% | -20.87% | +3.44% |
Current DrawdownCurrent decline from peak | -3.13% | -3.74% | +0.61% |
Average DrawdownAverage peak-to-trough decline | -2.64% | -3.91% | +1.27% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.27% | 1.40% | -0.13% |
Volatility
VWINX vs. SWJRX - Volatility Comparison
The current volatility for Vanguard Wellesley Income Fund Investor Shares (VWINX) is 2.25%, while Schwab Monthly Income Fund - Moderate Payout (SWJRX) has a volatility of 2.37%. This indicates that VWINX experiences smaller price fluctuations and is considered to be less risky than SWJRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| VWINX | SWJRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.25% | 2.37% | -0.12% |
Volatility (6M)Calculated over the trailing 6-month period | 3.74% | 4.10% | -0.36% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.70% | 7.31% | -0.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.96% | 8.71% | -1.75% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.90% | 8.57% | -1.67% |