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VFSUX · Vanguard Short-term Investment-grade Fund Admiral Shares
Over the last 15 years (2011-10 to 2026-10), $10,000 invested in VFSUX with dividends reinvested grew to $14,181, 2.34% a year, with a worst peak-to-trough fall of -8.85%. Past performance doesn't predict future results.
Growth of $10,000 · 2011-10 to 2026-10 · dividends reinvested
How VFSUX held up in past market crashes
VFSUX has been through 4 of the market crashes since 2000 in our data. Its deepest price fall was 11.5% 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 | VFSUX deepest fall | S&P 500 (SPY) | Peak to bottom | Back to peak |
|---|---|---|---|---|
| 2008 financial crisis | -11.5% | -56.5% | Jan 2008 to Nov 2008 | 20 months |
| 2018 fourth-quarter selloff | -0.6% | -20.2% | Sep 2018 to Nov 2018 | 2 months |
| 2020 COVID crash | -6.0% | -34.1% | Mar 2020 to Mar 2020 | 3 months |
| 2022 bear market | -8.7% | -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 VFSUX
Vanguard Short-Term Investment-Grade Fund Admiral Shares is an actively managed mutual fund focused on high-quality U.S. fixed income. Its primary objective is to provide current income with limited price volatility by investing predominantly in short-term corporate bonds, complemented by selective exposure to intermediate-term corporate obligations and government securities. The portfolio emphasizes investment‑grade credits, generally concentrating in securities rated A to BBB, to balance income generation with credit discipline. With a low expense structure and broad diversification across thousands of holdings, the fund targets an effective duration in the short range to reduce sensitivity to interest-rate movements while maintaining regular monthly distributions. Positioned within the short-term bond category, it serves as a core defensive allocation for investors seeking stability and income in the front end of the yield curve. The fund’s scale and multi-manager structure support consistent execution and liquidity, and its long operating history has made it a widely used vehicle for parking capital with moderate credit risk and lower interest-rate exposure compared with intermediate- and long-duration bond strategies.
Put VFSUX to the test
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Backtest VFSUX →
Full history, any date range, benchmarks, drawdowns, rolling returns.
Would VFSUX 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 VFSUX vs VTI →
Side by side with the total US market: returns, drawdowns and volatility over their shared history.
Replay $100/mo into VFSUX →
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.