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VFIDX · Vanguard Intermediate-term Investment-grade Fund Admiral Shares
Over the last 15 years (2011-10 to 2026-10), $10,000 invested in VFIDX with dividends reinvested grew to $13,841, 2.18% a year, with a worst peak-to-trough fall of -20.89%. Past performance doesn't predict future results.
Growth of $10,000 · 2011-10 to 2026-10 · dividends reinvested
How VFIDX held up in past market crashes
VFIDX has been through 4 of the market crashes since 2000 in our data. Its deepest price fall was 18.5% in the 2008 financial crisis, when the S&P 500 fell 56.5%. It took 20 months from the bottom to get back to its high. No fund is safe from losses; past falls do not predict future ones.
| Crash | VFIDX deepest fall | S&P 500 (SPY) | Peak to bottom | Back to peak |
|---|---|---|---|---|
| 2008 financial crisis | -18.5% | -56.5% | Jan 2008 to Oct 2008 | 20 months |
| 2018 fourth-quarter selloff | -1.2% | -20.2% | Sep 2018 to Nov 2018 | 1 months |
| 2020 COVID crash | -9.1% | -34.1% | Mar 2020 to Mar 2020 | 3 months |
| 2022 bear market | -18.4% | -25.4% | Jan 2022 to Sep 2022 | Not yet |
Price declines in the fund's listing currency, dividends not included, inside each crash's S&P 500 peak-to-bottom window. See how 50 popular ETFs compare in the crash study.
About VFIDX
Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares is a mutual fund focused on providing a moderate and sustainable level of current income by investing chiefly in corporate bonds. The fund maintains at least 80% of its assets in short- and intermediate-term, investment-grade fixed income securities, primarily those rated A3 or higher for high quality, and Baa1 to Baa3 for medium quality. Managed by an experienced team, it generally targets a dollar-weighted average maturity between five and ten years, positioning it within the intermediate-term bond category. This fund emphasizes credit quality and diversification, holding over 1,600 individual securities across various issuers and sectors, while limiting exposure to non-investment-grade and foreign debt. With an effective duration around six years and a relatively low expense ratio, it aims to deliver steady monthly income for institutional-scale investors and serves as a core holding for those seeking moderate interest rate and credit risk exposure in the U.S. fixed income market. The fund’s historical performance highlights defensive attributes during periods of rate increases, yet also reflects sensitivity to market cycles, underscoring its role as a balance between risk and yield within bond portfolios.
Put VFIDX to the test
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Backtest VFIDX →
Full history, any date range, benchmarks, drawdowns, rolling returns.
Would VFIDX survive 2008? →
What actually happened to it in the crisis: real drawdown and recovery.
Project it forward →
Monte Carlo simulation of where it could go from here.
Compare VFIDX vs VTI →
Side by side with the total US market: returns, drawdowns and volatility over their shared history.
Replay $100/mo into VFIDX →
Animated growth of steady monthly contributions.
Fundamentals →
Holdings-level financials where available.
Educational use only, not investment advice. Results are hypothetical.Read full disclaimer
This tool is for educational and informational purposes only and does not provide financial, investment, tax, legal, or accounting advice. Results are hypothetical and based on historical data and assumptions that may be inaccurate. Past performance does not guarantee future results. Consult a licensed professional before making investment decisions.