VIPIX vs VT
Vanguard Inflation Protected Securities Fund Insti Shs vs Vanguard Total World Stock ETF
Quick Verdict
VT has a lower expense ratio. VT delivered stronger 1-year returns. VT offers more diversification with 8927 holdings.
Side-by-Side Comparison
| Metric | VIPIX | VT | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.06% | |
| AUM | $12.5B | $77.6B | |
| Dividend Yield | 3.54% | 1.61% | |
| Holdings | 63 | 10,133 | |
| YTD Return | -0.86% | +13.96% | |
| 1Y Return | -3.03% | +24.60% | |
| 3Y Return (annualized) | -0.67% | +20.52% | |
| 5Y Return (annualized) | -4.75% | +11.09% | |
| Volatility (annualized) | 6.7% | 16.6% | |
| Max Drawdown | -24.5% | -50.6% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Dec 12, 2003 | Jun 24, 2008 |
VIPIX vs VT Performance
Vanguard Inflation Protected Securities Fund Insti Shs (VIPIX) is a mutual fund from Vanguard (US) and Vanguard Total World Stock ETF (VT) is a ETF from Vanguard (US). Over the past year VIPIX returned -3.03% while VT returned +24.60%. Year to date, VIPIX is down 0.86% versus a gain of 13.96% for VT.
Over three years, VIPIX compounded at -0.67% per year against +20.52% for VT; over five years the annualized figures are -4.75% and +11.09% respectively. Across the full 5-year window we track, VT has the edge at +7.35% annualized vs -4.75%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VT has been the more volatile fund, with annualized monthly volatility of 16.6% compared with 6.7% for VIPIX. 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 -24.5% for VIPIX and -50.6% for VT. 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VIPIX charges 0.07% per year while VT charges 0.06%. On a $10,000 position that is $7 vs $6 annually, a gap of $1 per year that compounds over a long holding period. On income, VIPIX currently yields 3.54% against 1.61% for VT.
Holdings Overlap
VIPIX and VT share 0 holdings out of 8982 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, VIPIX or VT?
VIPIX has an expense ratio of 0.07% while VT charges 0.06%. VT is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, VIPIX or VT?
Over the past year VIPIX returned -3.03% vs +24.60% for VT, so VT leads on 1-year performance. Over the longest common window we track (5 years), VIPIX annualized -4.75% vs +7.35% for VT. Past performance does not guarantee future results.
Which is riskier, VIPIX or VT?
VT has been the more volatile fund at 16.6% annualized versus 6.7% for VIPIX. Worst drawdown: VIPIX -24.5% vs VT -50.6%.
Should I hold both VIPIX and VT?
VIPIX and VT have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VIPIX and VT?
VIPIX and VT share 0 common holdings with a 0.0% weight overlap. Combined, they hold 8982 unique securities.
Which pays a higher dividend, VIPIX or VT?
VIPIX yields 3.54% while VT yields 1.61%, so VIPIX currently pays the higher dividend yield.
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