VDIGX vs VTILX
Vanguard Dividend Growth Fund Investor Class vs Vanguard Total International Bond II Index Fund Class Institutional
Quick Verdict
VTILX has a lower expense ratio. VTILX delivered stronger 1-year returns. VTILX offers more diversification with 7,415 holdings.
Side-by-Side Comparison
| Metric | VDIGX | VTILX | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.07% | |
| AUM | $35.5B | $141.9B | |
| Dividend Yield | 23.36% | 4.19% | |
| Holdings | 62 | 7,415 | |
| YTD Return | -1.80% | -1.54% | |
| 1Y Return | -12.33% | -2.85% | |
| 3Y Return (annualized) | -3.46% | -0.64% | |
| 5Y Return (annualized) | -3.56% | - | |
| Volatility (annualized) | 16.1% | 6.0% | |
| Max Drawdown | -32.6% | -15.3% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 1992 | Feb 17, 2021 |
VDIGX vs VTILX Performance
Vanguard Dividend Growth Fund Investor Class (VDIGX) is a mutual fund from Vanguard (US) and Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US). Over the past year VDIGX returned -12.33% while VTILX returned -2.85%. Year to date, VDIGX is down 1.80% versus a loss of 1.54% for VTILX.
Over three years, VDIGX compounded at -3.46% per year against -0.64% for VTILX. Across the full 5-year window we track, VTILX has the edge at -2.91% annualized vs -3.56%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VDIGX has been the more volatile fund, with annualized monthly volatility of 16.1% compared with 6.0% for VTILX. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -32.6% for VDIGX and -15.3% for VTILX. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VDIGX charges 0.20% per year while VTILX charges 0.07%. On a $10,000 position that is $20 vs $7 annually, a gap of $13 per year that compounds over a long holding period. On income, VDIGX currently yields 23.36% against 4.19% for VTILX.
Holdings Overlap
VDIGX and VTILX share 5 holdings out of 1505 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VDIGX or VTILX?
VDIGX has an expense ratio of 0.20% while VTILX charges 0.07%. VTILX is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, VDIGX or VTILX?
Over the past year VDIGX returned -12.33% vs -2.85% for VTILX, so VTILX leads on 1-year performance. Over the longest common window we track (5 years), VDIGX annualized -3.56% vs -2.91% for VTILX. Past performance does not guarantee future results.
Which is riskier, VDIGX or VTILX?
VDIGX has been the more volatile fund at 16.1% annualized versus 6.0% for VTILX. Worst drawdown: VDIGX -32.6% vs VTILX -15.3%.
Should I hold both VDIGX and VTILX?
VDIGX and VTILX have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VDIGX and VTILX?
VDIGX and VTILX share 5 common holdings with a 0.0% weight overlap. Combined, they hold 1505 unique securities.
Which pays a higher dividend, VDIGX or VTILX?
VDIGX yields 23.36% while VTILX yields 4.19%, so VDIGX currently pays the higher dividend yield.
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