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VMBS · Vanguard Mortgage-backed Securities ETF
Over the last 15 years (2011-09 to 2026-10), $10,000 invested in VMBS with dividends reinvested grew to $12,013, 1.22% a year, with a worst peak-to-trough fall of -16.51%. Past performance doesn't predict future results.
Growth of $10,000 · 2011-09 to 2026-10 · dividends reinvested
How VMBS held up in past market crashes
VMBS has been through 3 of the market crashes since 2000 in our data. Its deepest price fall was 15.7% in the 2022 bear market, when the S&P 500 fell 25.4%. Its price had not yet regained that high by the latest close (price only, not counting the dividends or interest it paid). No fund is safe from losses; past falls do not predict future ones.
| Crash | VMBS deepest fall | S&P 500 (SPY) | Peak to bottom | Back to peak |
|---|---|---|---|---|
| 2018 fourth-quarter selloff | -1.6% | -20.2% | Sep 2018 to Nov 2018 | 1 months |
| 2020 COVID crash | -5.1% | -34.1% | Mar 2020 to Mar 2020 | Under a month |
| 2022 bear market | -15.7% | -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 VMBS
Vanguard Mortgage-Backed Securities ETF is a fixed-income exchange-traded fund that seeks to track the Bloomberg U.S. MBS Float Adjusted Index. It primarily invests in U.S. agency mortgage-backed pass-through securities issued by government-linked housing agencies such as Ginnie Mae, Fannie Mae, and Freddie Mac, giving investors broad exposure to the residential mortgage-backed securities market. The fund is designed to provide a diversified portfolio of investment-grade mortgage bonds and uses sampling to mirror the index’s characteristics. Vanguard Mortgage-Backed Securities ETF plays a specialized role in the bond market by offering access to mortgage-backed securities within a low-cost index framework, making it a core instrument for investors seeking exposure to U.S. agency housing finance debt rather than corporate or Treasury bonds.
Put VMBS to the test
Every tool below opens prefilled with VMBS: free, no account needed.
Backtest VMBS →
Full history, any date range, benchmarks, drawdowns, rolling returns.
Would VMBS 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 VMBS vs VTI →
Head-to-head against the total US market.
Replay $100/mo into VMBS →
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.