VIPIX vs VTI
Vanguard Inflation Protected Securities Fund Insti Shs vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VIPIX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $12.4B | $666.9B | |
| Dividend Yield | 5.21% | 1.07% | |
| Holdings | 63 | 3,543 | |
| YTD Return | -0.53% | +13.14% | |
| 1Y Return | -2.41% | +22.35% | |
| 3Y Return (annualized) | +0.00% | +21.83% | |
| 5Y Return (annualized) | -4.69% | +12.01% | |
| Volatility (annualized) | 6.7% | 15.3% | |
| Max Drawdown | -24.5% | -56.6% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Dec 12, 2003 | May 24, 2001 |
VIPIX vs VTI Performance
Vanguard Inflation Protected Securities Fund Insti Shs (VIPIX) is a mutual fund from Vanguard (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year VIPIX returned -2.41% while VTI returned +22.35%. Year to date, VIPIX is down 0.53% versus a gain of 13.14% for VTI.
Over three years, VIPIX compounded at +0.00% per year against +21.83% for VTI; over five years the annualized figures are -4.69% and +12.01% respectively. Across the full 5-year window we track, VTI has the edge at +8.09% annualized vs -4.69%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -56.6% for VTI. 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VIPIX charges 0.07% per year while VTI charges 0.03%. On a $10,000 position that is $7 vs $3 annually, a gap of $4 per year that compounds over a long holding period. On income, VIPIX currently yields 5.21% against 1.07% for VTI.
Holdings Overlap
VIPIX and VTI share 0 holdings out of 2842 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 VTI?
VIPIX has an expense ratio of 0.07% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, VIPIX or VTI?
Over the past year VIPIX returned -2.41% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), VIPIX annualized -4.69% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, VIPIX or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.7% for VIPIX. Worst drawdown: VIPIX -24.5% vs VTI -56.6%.
Should I hold both VIPIX and VTI?
VIPIX and VTI have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VIPIX and VTI?
VIPIX and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2842 unique securities.
Which pays a higher dividend, VIPIX or VTI?
VIPIX yields 5.21% while VTI yields 1.07%, so VIPIX currently pays the higher dividend yield.
Popular Fund Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.