VTIP vs STIP Stock Comparison: AI Score, Valuation, Performance and Upside
VTIP and STIP both target short-term tips exposure but take different paths to get there — VTIP via the Bloomberg U.S. Treasury 0-5 Year Inflation-Protected Securities Index, and STIP via the Bloomberg US Treasury Inflation-Protected Securities 0-5 Year Index. The practical differences come down to issuer, cost structure, and the specific index rules each fund follows, since both are pursuing a similar investment outcome.
VTIP vs STIP is largely a question of which issuer and index methodology you trust more for short-term tips exposure — the underlying investment case is similar, so cost, liquidity, and tracking precision tend to be the deciding factors.
VTIP and STIP are closely matched — they split the tracked metrics evenly. STIP has delivered stronger 1-year price return (+1.77% vs +0.12% for VTIP).
- want low-duration inflation protection with less rate risk than broad TIPS funds
- prefer Vanguard's approach and fund lineup
- value lower interest-rate sensitivity than full-duration TIPS funds like TIP
- are comfortable with lower real-return potential than longer-duration TIPS
- want the iShares alternative for low-duration, CPI-linked inflation protection
- prefer iShares (BlackRock)'s approach and fund lineup
- value low interest-rate sensitivity due to short duration
- are comfortable with nearly identical exposure to Vanguard's competing VTIP
| Metric | VTIP | STIP |
|---|---|---|
| ETF scorei | 24.6 | 24.5 |
| Latest closei | $48.71 | $100.34 |
| 1M returni | +0.66% | +0.39% |
| 3M returni | -1.89% | -0.24% |
| 6M returni | -1.89% | -0.28% |
| 1Y returni | +0.12% | +1.77% |
The ETF score weights long-term returns and risk-adjusted performance most heavily, but still rewards low expense ratios, larger fund size, and broader diversification — so it can favor low-cost, broad, mega-cap funds over smaller thematic or actively-managed funds even when the latter have delivered stronger returns.
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | VTIP | STIP |
|---|---|---|
| 1Y ago | $10.3K (+3.0%) started 2025-11-04 | $10.63K (+6.3%) started 2025-11-04 |
| 5Y ago | $13.94K (+39.4%) started 2021-11-05 | $14.25K (+42.5%) started 2021-11-05 |
| 10Y ago | $18.65K (+86.5%) started 2016-11-07 | $19.3K (+93.0%) started 2016-11-07 |
Hypothetical — past performance does not guarantee future results.
| Metric | VTIP | STIP |
|---|---|---|
| Expense ratioi | 0.03% | 0.03% |
| Total assets (AUM)i | $73.4B | $16.94B |
| Dividend yieldi | 4.80% | 4.68% |
| Trailing P/Ei | N/A | N/A |
| Betai | 0.10 | 0.12 |
| 52-week change | 0.12% | 1.77% |
| Metric | VTIP | STIP |
|---|---|---|
| 1Y returni | +0.12% | +1.77% |
| 6M returni | -1.89% | -0.28% |
| 3M returni | -1.89% | -0.24% |
| 1M returni | +0.66% | +0.39% |
| 1Y Sharpe ratio | -1.86 | -1.58 |
| Betai | 0.10 | 0.12 |
| Dividend yieldi | 4.80% | 4.68% |
| 5Y CAGR | +2.49% | +2.82% |
Over the past year, VTIP and STIP have moved moderately in the same direction (correlation of 0.54), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | VTIP | STIP |
|---|---|---|---|
| 1Y | Growthi | +0.12% | +1.77% |
| CAGRi | +0.12% | +1.77% | |
| Volatilityi | 2.34% | 1.73% | |
| Sharpe ratioi | -1.86 | -1.58 | |
| Sortino ratioi | -2.05 | -1.96 | |
| Max drawdowni | 2.95% | 1.39% | |
| Current drawdowni | 2.29% | 0.85% | |
| Avg drawdowni | 0.44% | 0.25% | |
| Ulcer Indexi | 0.84% | 0.40% | |
| Max daily dropi | 1.65% | 0.54% | |
| Max wkly dropi | 1.79% | 0.77% | |
| 5Y | Growthi | +13.05% | +14.89% |
| CAGRi | +2.49% | +2.82% | |
| Volatilityi | 2.87% | 2.76% | |
| Sharpe ratioi | -0.69 | -0.61 | |
| Sortino ratioi | -0.93 | -0.84 | |
| Max drawdowni | 5.50% | 5.50% | |
| Current drawdowni | 2.29% | 0.85% | |
| Avg drawdowni | 1.16% | 1.11% | |
| Ulcer Indexi | 1.78% | 1.73% | |
| Max daily dropi | 1.65% | 0.90% | |
| Max wkly dropi | 1.79% | 1.64% | |
| 10Y | Growthi | +32.18% | +34.94% |
| CAGRi | +2.83% | +3.04% | |
| Volatilityi | 2.79% | 2.47% | |
| Sharpe ratioi | -0.59 | -0.59 | |
| Sortino ratioi | -0.81 | -0.80 | |
| Max drawdowni | 6.27% | 5.50% | |
| Current drawdowni | 2.29% | 0.85% | |
| Avg drawdowni | 0.72% | 0.69% | |
| Ulcer Indexi | 1.32% | 1.27% | |
| Max daily dropi | 1.81% | 1.72% | |
| Max wkly dropi | 5.49% | 4.05% |
| Category | VTIP | STIP |
|---|---|---|
| Fund name | Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares | iShares 0-5 Year TIPS Bond ETF |
| Type | ETF | ETF |
| Expense ratioi | 0.03% | 0.03% |
| Total assets (AUM)i | $73.4B | $16.94B |
| Dividend yieldi | 4.80% | 4.68% |
- Lower interest-rate sensitivity than full-duration TIPS funds like TIP
- Still directly hedges CPI inflation via principal adjustments
- Vanguard's low expense ratio
- Low interest-rate sensitivity due to short duration
- Direct CPI-linked inflation protection
- High liquidity among short-duration TIPS funds
- Lower real-return potential than longer-duration TIPS
- Still underperforms if inflation expectations fall
- Minimal capital appreciation compared to nominal short-term bonds
- Nearly identical exposure to Vanguard's competing VTIP
- Lower real-return potential than longer-duration TIPS
- Underperforms if inflation expectations decline
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