WFBIX vs. VTINX
WFBIX (iShares U.S. Aggregate Bond Index Fund) and VTINX (Vanguard Target Retirement Income Fund) are both mutual funds - WFBIX is a Intermediate Core Bond fund managed by BlackRock, while VTINX is a Target Retirement Date fund managed by Vanguard. Over the past 10 years, WFBIX returned 1.93%/yr vs 5.31%/yr for VTINX. At a 0.30 correlation, their price movements are largely independent. WFBIX charges 0.05%/yr vs 0.08%/yr for VTINX.
Performance
WFBIX vs. VTINX - Performance Comparison
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Returns By Period
In the year-to-date period, WFBIX achieves a 0.43% return, which is significantly lower than VTINX's 4.47% return. Over the past 10 years, WFBIX has underperformed VTINX with an annualized return of 1.93%, while VTINX has yielded a comparatively higher 5.31% annualized return.
WFBIX
- 1D
- 0.22%
- 1M
- 0.89%
- YTD
- 0.43%
- 6M
- 0.76%
- 1Y
- 4.76%
- 3Y*
- 5.37%
- 5Y*
- 0.78%
- 10Y*
- 1.93%
VTINX
- 1D
- 0.49%
- 1M
- 0.98%
- YTD
- 4.47%
- 6M
- 4.54%
- 1Y
- 11.60%
- 3Y*
- 9.10%
- 5Y*
- 4.22%
- 10Y*
- 5.31%
WFBIX vs. VTINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
WFBIX iShares U.S. Aggregate Bond Index Fund | 0.43% | 7.16% | 1.43% | 9.65% | -13.03% | -1.79% | 7.40% | 8.72% | -0.08% | 3.39% |
VTINX Vanguard Target Retirement Income Fund | 4.47% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
Correlation
The correlation between WFBIX and VTINX is 0.61, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.61 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.62 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.59 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.42 |
Correlation (All Time) Calculated using the full available price history since Oct 27, 2003 | 0.30 |
Over the past year, WFBIX and VTINX have become more correlated (0.61) than their long-term average of 0.30, meaning their price movements have been converging.
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Return for Risk
WFBIX vs. VTINX — Risk / Return Rank
WFBIX
VTINX
WFBIX vs. VTINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares U.S. Aggregate Bond Index Fund (WFBIX) and Vanguard Target Retirement Income Fund (VTINX). 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.
| WFBIX | VTINX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.99 | ||
| Sortino ratioReturn per unit of downside risk | -1.37 | ||
| Omega ratioGain probability vs. loss probability | 1.22 | 1.44 | -0.22 |
| Calmar ratioReturn relative to maximum drawdown | 1.59 | 2.77 | -1.19 |
| Martin ratioReturn relative to average drawdown | 4.46 | 11.98 | -7.52 |
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Drawdowns
WFBIX vs. VTINX - Drawdown Comparison
The maximum WFBIX drawdown since its inception was -18.68%, smaller than the maximum VTINX drawdown of -19.96%. Use the drawdown chart below to compare losses from any high point for WFBIX and VTINX.
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Drawdown Indicators
| WFBIX | VTINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.68% | -19.96% | +1.28% |
Max Drawdown (1Y)Largest decline over 1 year | -3.02% | -4.14% | +1.12% |
Max Drawdown (3Y)Largest decline over 3 years | -6.09% | -5.26% | -0.83% |
Max Drawdown (5Y)Largest decline over 5 years | -17.84% | -17.02% | -0.82% |
Max Drawdown (10Y)Largest decline over 10 years | -18.68% | -17.02% | -1.66% |
Current DrawdownCurrent decline from peak | -1.50% | -0.21% | -1.29% |
Average DrawdownAverage peak-to-trough decline | -2.26% | -2.20% | -0.06% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.07% | 0.96% | +0.11% |
Volatility
WFBIX vs. VTINX - Volatility Comparison
The current volatility for iShares U.S. Aggregate Bond Index Fund (WFBIX) is 1.22%, while Vanguard Target Retirement Income Fund (VTINX) has a volatility of 2.18%. This indicates that WFBIX experiences smaller price fluctuations and is considered to be less risky than VTINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| WFBIX | VTINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.22% | 2.18% | -0.96% |
Volatility (6M)Calculated over the trailing 6-month period | 2.87% | 4.40% | -1.53% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.91% | 5.18% | -1.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.41% | 6.12% | +0.29% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.17% | 5.76% | -0.59% |
WFBIX vs. VTINX - Expense Ratio Comparison
WFBIX has a 0.05% expense ratio, which is lower than VTINX's 0.08% 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
WFBIX vs. VTINX - Dividend Comparison
WFBIX's dividend yield for the trailing twelve months is around 3.91%, less than VTINX's 4.81% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTINX Vanguard Target Retirement Income Fund | 4.81% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
WFBIX iShares U.S. Aggregate Bond Index Fund | 3.91% | 3.78% | 3.68% | 6.82% | 2.60% | 2.04% | 2.43% | 2.88% | 2.71% | 2.24% | 2.25% | 2.20% |
Frequently Asked Questions
WFBIX and VTINX have a correlation of 0.61, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
VTINX has higher volatility (2.18%) compared to WFBIX (1.22%). In terms of maximum drawdown, WFBIX dropped -18.68% vs VTINX's -19.96%.
VTINX currently has the higher Sharpe Ratio (2.22 vs 1.22), 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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