VIPIX vs VTILX
Vanguard Inflation Protected Securities Fund Insti Shs vs Vanguard Total International Bond II Index Fund Class Institutional
Quick Verdict
VIPIX delivered stronger 1-year returns. VTILX offers more diversification with 7,391 holdings.
Side-by-Side Comparison
| Metric | VIPIX | VTILX | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.07% | |
| AUM | $12.4B | $141.9B | |
| Dividend Yield | 5.21% | 4.19% | |
| Holdings | 63 | 7,391 | |
| YTD Return | -0.53% | -1.38% | |
| 1Y Return | -2.52% | -3.21% | |
| 3Y Return (annualized) | +0.00% | -0.30% | |
| 5Y Return (annualized) | -4.69% | - | |
| Volatility (annualized) | 6.7% | 6.0% | |
| Max Drawdown | -24.5% | -15.3% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Fixed Income | |
| Inception | Dec 12, 2003 | Feb 17, 2021 |
VIPIX vs VTILX Performance
Vanguard Inflation Protected Securities Fund Insti Shs (VIPIX) 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 VIPIX returned -2.52% while VTILX returned -3.21%. Year to date, VIPIX is down 0.53% versus a loss of 1.38% for VTILX.
Over three years, VIPIX compounded at +0.00% per year against -0.30% for VTILX. Across the full 5-year window we track, VTILX has the edge at -2.89% annualized vs -4.69%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VIPIX has been the more volatile fund, with annualized monthly volatility of 6.7% 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 -24.5% for VIPIX 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VIPIX charges 0.07% per year while VTILX charges 0.07%. On a $10,000 position that is $7 vs $7 annually. On income, VIPIX currently yields 5.21% against 4.19% for VTILX.
Holdings Overlap
VIPIX and VTILX share 0 holdings out of 1514 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 VTILX?
VIPIX has an expense ratio of 0.07% while VTILX charges 0.07%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, VIPIX or VTILX?
Over the past year VIPIX returned -2.52% vs -3.21% for VTILX, so VIPIX leads on 1-year performance. Over the longest common window we track (5 years), VIPIX annualized -4.69% vs -2.89% for VTILX. Past performance does not guarantee future results.
Which is riskier, VIPIX or VTILX?
VIPIX has been the more volatile fund at 6.7% annualized versus 6.0% for VTILX. Worst drawdown: VIPIX -24.5% vs VTILX -15.3%.
Should I hold both VIPIX and VTILX?
VIPIX and VTILX have a monthly-return correlation of 0.81, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VIPIX and VTILX?
VIPIX and VTILX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1514 unique securities.
Which pays a higher dividend, VIPIX or VTILX?
VIPIX yields 5.21% while VTILX yields 4.19%, so VIPIX currently pays the higher dividend yield.
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