VGHAX vs VTILX
Vanguard Health Care Fund Admiral Shares vs Vanguard Total International Bond II Index Fund Class Institutional
Quick Verdict
VTILX has a lower expense ratio. VGHAX delivered stronger 1-year returns. VTILX offers more diversification with 7,391 holdings.
Side-by-Side Comparison
| Metric | VGHAX | VTILX | Winner |
|---|---|---|---|
| Expense Ratio | 0.27% | 0.07% | |
| AUM | $32.8B | $141.9B | |
| Dividend Yield | 6.45% | 4.19% | |
| Holdings | 109 | 7,391 | |
| YTD Return | +6.28% | -1.42% | |
| 1Y Return | +23.01% | -3.06% | |
| 3Y Return (annualized) | +1.17% | -0.37% | |
| 5Y Return (annualized) | -2.22% | - | |
| Volatility (annualized) | 15.6% | 6.0% | |
| Max Drawdown | -33.6% | -15.3% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | Nov 12, 2001 | Feb 17, 2021 |
VGHAX vs VTILX Performance
Vanguard Health Care Fund Admiral Shares (VGHAX) 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 VGHAX returned +23.01% while VTILX returned -3.06%. Year to date, VGHAX is up 6.28% versus a loss of 1.42% for VTILX.
Over three years, VGHAX compounded at +1.17% per year against -0.37% for VTILX. Across the full 5-year window we track, VGHAX has the edge at -2.22% annualized vs -2.90%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VGHAX has been the more volatile fund, with annualized monthly volatility of 15.6% 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 -33.6% for VGHAX 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VGHAX charges 0.27% per year while VTILX charges 0.07%. On a $10,000 position that is $27 vs $7 annually, a gap of $20 per year that compounds over a long holding period. On income, VGHAX currently yields 6.45% against 4.19% for VTILX.
Holdings Overlap
VGHAX and VTILX share 1 holdings out of 1544 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in VGHAX | Weight in VTILX | Difference |
|---|---|---|---|
| ABBV | 1.29% | 0.00% | 1.29% |
Frequently Asked Questions
Which is cheaper, VGHAX or VTILX?
VGHAX has an expense ratio of 0.27% while VTILX charges 0.07%. VTILX is the cheaper option. On a $10,000 investment, that is $20 per year of difference.
Which performed better, VGHAX or VTILX?
Over the past year VGHAX returned +23.01% vs -3.06% for VTILX, so VGHAX leads on 1-year performance. Over the longest common window we track (5 years), VGHAX annualized -2.22% vs -2.90% for VTILX. Past performance does not guarantee future results.
Which is riskier, VGHAX or VTILX?
VGHAX has been the more volatile fund at 15.6% annualized versus 6.0% for VTILX. Worst drawdown: VGHAX -33.6% vs VTILX -15.3%.
Should I hold both VGHAX and VTILX?
VGHAX and VTILX have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VGHAX and VTILX?
VGHAX and VTILX share 1 common holdings with a 0.0% weight overlap. Combined, they hold 1544 unique securities.
Which pays a higher dividend, VGHAX or VTILX?
VGHAX yields 6.45% while VTILX yields 4.19%, so VGHAX currently pays the higher dividend yield.
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