XGRO.TO vs. VRIF.TO
XGRO.TO (iShares Core Growth ETF Portfolio) and VRIF.TO (Vanguard Retirement Income ETF Portfolio) are both Diversified Portfolio funds. Both are actively managed. Over the past 5 years, XGRO.TO returned 10.88%/yr vs 4.66%/yr for VRIF.TO. Their correlation of 0.81 suggests significant overlap in exposure. XGRO.TO charges 0.20%/yr vs 0.29%/yr for VRIF.TO.
Performance
XGRO.TO vs. VRIF.TO - Performance Comparison
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Returns By Period
In the year-to-date period, XGRO.TO achieves a 12.43% return, which is significantly higher than VRIF.TO's 5.86% return.
XGRO.TO
- 1D
- 0.73%
- 1M
- 1.86%
- 6M
- 11.88%
- YTD
- 12.43%
- 1Y
- 22.47%
- 3Y*
- 18.26%
- 5Y*
- 10.88%
- 10Y*
- 10.51%
VRIF.TO
- 1D
- 0.51%
- 1M
- 0.94%
- 6M
- 5.78%
- YTD
- 5.86%
- 1Y
- 11.56%
- 3Y*
- 9.98%
- 5Y*
- 4.66%
- 10Y*
- —
XGRO.TO vs. VRIF.TO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
XGRO.TO iShares Core Growth ETF Portfolio | 12.43% | 15.62% | 20.17% | 15.06% | -11.05% | 14.34% | 7.23% |
VRIF.TO Vanguard Retirement Income ETF Portfolio | 5.86% | 10.60% | 8.42% | 8.96% | -11.50% | 7.44% | 5.09% |
Correlation
The correlation between XGRO.TO and VRIF.TO is 0.83, 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 | 0.83 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.79 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.80 |
Correlation (All Time) Calculated using the full available price history since Sep 16, 2020 | 0.81 |
The correlation between XGRO.TO and VRIF.TO has been stable across timeframes, ranging from 0.79 to 0.83 - a consistent structural relationship.
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Return for Risk
XGRO.TO vs. VRIF.TO — Risk / Return Rank
XGRO.TO
VRIF.TO
XGRO.TO vs. VRIF.TO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares Core Growth ETF Portfolio (XGRO.TO) and Vanguard Retirement Income ETF Portfolio (VRIF.TO). 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.
| XGRO.TO | VRIF.TO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.05 | ||
| Sortino ratioReturn per unit of downside risk | -0.17 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.40 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 3.17 | 2.54 | +0.63 |
| Martin ratioReturn relative to average drawdown | 13.86 | 10.46 | +3.40 |
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Drawdowns
XGRO.TO vs. VRIF.TO - Drawdown Comparison
The maximum XGRO.TO drawdown since its inception was -47.99%, which is greater than VRIF.TO's maximum drawdown of -16.19%. Use the drawdown chart below to compare losses from any high point for XGRO.TO and VRIF.TO.
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Drawdown Indicators
| XGRO.TO | VRIF.TO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -47.99% | -16.19% | -31.80% |
Max Drawdown (1Y)Largest decline over 1 year | -7.12% | -4.57% | -2.55% |
Max Drawdown (3Y)Largest decline over 3 years | -12.47% | -5.01% | -7.46% |
Max Drawdown (5Y)Largest decline over 5 years | -18.38% | -16.19% | -2.19% |
Max Drawdown (10Y)Largest decline over 10 years | -25.85% | — | — |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -8.48% | -3.82% | -4.66% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.63% | 1.11% | +0.52% |
Volatility
XGRO.TO vs. VRIF.TO - Volatility Comparison
iShares Core Growth ETF Portfolio (XGRO.TO) has a higher volatility of 3.39% compared to Vanguard Retirement Income ETF Portfolio (VRIF.TO) at 1.89%. This indicates that XGRO.TO's price experiences larger fluctuations and is considered to be riskier than VRIF.TO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| XGRO.TO | VRIF.TO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.39% | 1.89% | +1.50% |
Volatility (6M)Calculated over the trailing 6-month period | 9.50% | 4.88% | +4.62% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.11% | 5.57% | +5.54% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.12% | 6.26% | +4.86% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.28% | 6.25% | +7.03% |
XGRO.TO vs. VRIF.TO - Expense Ratio Comparison
XGRO.TO has a 0.20% expense ratio, which is lower than VRIF.TO's 0.29% expense ratio.
Dividends
XGRO.TO vs. VRIF.TO - Dividend Comparison
XGRO.TO's dividend yield for the trailing twelve months is around 1.88%, less than VRIF.TO's 3.72% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VRIF.TO Vanguard Retirement Income ETF Portfolio | 3.72% | 3.77% | 3.94% | 4.32% | 4.72% | 3.86% | 1.27% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
XGRO.TO iShares Core Growth ETF Portfolio | 1.88% | 1.94% | 2.01% | 2.27% | 1.89% | 1.70% | 1.99% | 2.27% | 7.62% | 2.09% | 2.70% | 2.17% |
Frequently Asked Questions
XGRO.TO and VRIF.TO have a correlation of 0.83, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, XGRO.TO is cheaper at 0.20% per year. The better choice depends on whether you care most about return, fees, risk, or income.
XGRO.TO is cheaper with a 0.20% expense ratio, compared with 0.29% for VRIF.TO.
They also come from different issuers: iShares and Vanguard. Their fees differ too: 0.20% for XGRO.TO and 0.29% for VRIF.TO.
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