VTILX vs VWIUX
Vanguard Total International Bond II Index Fund Class Institutional vs Vanguard Intermediate Term Tax-Exempt Fund admiral class
Which is better, VTILX or VWIUX?
VTILX costs less.
VTILX has a lower expense ratio.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | VTILX | VWIUX |
|---|---|---|
| Expense Ratio | 0.07%Best | 0.09% |
| AUM | $143.6B | $86.6B |
| Dividend Yield | 4.33% | 3.58% |
| Holdings | 7,576 | 16,510 |
| YTD Price Return | -2.69% | -5.07% |
| 1Y Price Return | -5.03% | -4.66% |
| 3Y Price Return (annualized) | -0.59% | +0.26% |
| 5Y Price Return (annualized) | -3.07% | -2.28% |
| Volatility (annualized) | 5.9% | 5.6%Best |
| Max Drawdown | -15.3%Best | -15.4% |
| Fund Family | Vanguard (US) | Vanguard (US) |
| Category | Fixed Income | Tax Preferred |
| Style | - | Municipal Bond |
| Inception | Feb 17, 2021 | Feb 12, 2001 |
Not shown on this pair: $10,000 over 5 years, Top 10 Weight.
A price return is not the return of a fund that pays its income out. The coupon or distribution never appears in the price, so the return rows carry no winner here. VTILX currently yields 4.33% and VWIUX 3.58%.
Volatility and max drawdown are measured over the window both funds cover: Oct 25, 2021 to Oct 13, 2026 (5 years).
VTILX vs VWIUX Performance
Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US) and Vanguard Intermediate Term Tax-Exempt Fund admiral class (VWIUX) is a mutual fund from Vanguard (US). Over the past year VTILX's price moved -5.03% and VWIUX's -4.66%, before the income each one paid out.
Over three years, VTILX compounded at -0.59% per year against +0.26% for VWIUX; over five years the annualized figures are -3.07% and -2.28% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTILX has been the more volatile fund, with annualized monthly volatility of 5.9% compared with 5.6% for VWIUX. 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 -15.3% for VTILX and -15.4% for VWIUX. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTILX charges 0.07% per year while VWIUX charges 0.09%. On a $10,000 position that is $7 vs $9 annually, a gap of $2 per year that compounds over a long holding period. On income, VTILX currently yields 4.33% against 3.58% for VWIUX.
Holdings Overlap
We hold position weights for 1,229 holdings in VTILX and 1,698 in VWIUX, totalling 5.8% and 17.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 1,229 positions we hold weights for in VTILX and 1,698 in VWIUX, against full books of 7,576 and 16,510.
You are not choosing between two funds in isolation.
Whichever of VTILX and VWIUX you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTILX or VWIUX?
VTILX has an expense ratio of 0.07% while VWIUX charges 0.09%. VTILX is the cheaper option, by $2 a year on a $10,000 investment.
Which is riskier, VTILX or VWIUX?
VTILX has been the more volatile fund at 5.9% annualized versus 5.6% for VWIUX. Worst drawdown: VTILX -15.3% vs VWIUX -15.4%.
Should I hold both VTILX and VWIUX?
VTILX and VWIUX have a monthly-return correlation of 0.78, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, VTILX or VWIUX?
VTILX yields 4.33% while VWIUX yields 3.58%, so VTILX currently pays the higher dividend yield.
Is VWIUX better than VTILX?
VTILX has a lower expense ratio. Which one suits a particular account depends on what it is for. This is information, not a recommendation.