ASBAX vs VBIRX

Both ASBAX and VBIRX are mutual funds. ASBAX has a lower 5-year return than VBIRX (0.78% vs 1.14%). ASBAX has a higher expense ratio than VBIRX (0.67% vs 0.07%). Below is the comparison between ASBAX and VBIRX.

ASBAX VBIRX
Security Type Mutual fund Mutual fund
Segment Taxable Fixed Income: Short-term Bond Taxable Fixed Income: Short-term Bond
Family American Funds Vanguard
Net Assets $4.96B $17.04B
Expense Ratio 0.67% 0.07%
Management Style active passive (index-based)
Dividend Yield 0.49% 1.14%
Minimum Investment $1,000.00 $10,000.00
YTD Return -2.72% -3.90%
1-Year Return -1.89% -2.29%
3-Year Return 0.43% 0.75%
5-Year Return 0.78% 1.14%
10-Year Return 0.66% 1.18%

ASBAX

ASBAX description

The Fund seeks to provide current income by maintaining a portfolio having a dollar-weighted average effective maturity no greater than three years and consisting primarily of debt securities with a quality rating of AA, Aa3 or better, or if unrated securities determined by the adviser to be of equivalent quality.

ASBAX performance & returns

YTD Return -2.72%
1-Month Return -0.08%
3-Month Return -1.89%
1-Year Return -1.89%
3-Year Return 0.43%
5-Year Return 0.78%
10-Year Return 0.66%
ASBAX expense ratio is 0.67%.

ASBAX holdings

Top 10 Holdings (17.08% of Total Assets)

Name Symbol % Assets
United States Treasury Notes 0.13% N/A 4.78%
US Treasury Note 0.12% N/A 3.02%
United States Treasury Notes 1.62% N/A 2.61%
United States Treasury Notes 1.75% N/A 2.51%
United States Treasury Notes 1.5% N/A 2.21%
United States Treasury Notes 0.12% N/A 1.95%

ASBAX pros

None that we could think of.

ASBAX cons

The following are ASBAX weaknesses from our perspective:

  • ASBAX 3-year return is 0.43%, which is lower than the 3-year return of the benchmark index (Bloomberg Government/Credit 1-3 Yr Ex Baa TR USD), 0.78%.
  • ASBAX 5-year return is 0.78%, which is lower than the 5-year return of the benchmark index (Bloomberg Government/Credit 1-3 Yr Ex Baa TR USD), 1.1%.
  • ASBAX 10-year return is 0.66%, which is lower than the 10-year return of the benchmark index (Bloomberg Government/Credit 1-3 Yr Ex Baa TR USD), 0.97%.
  • ASBAX 15-year return is 1.21%, which is lower than the 15-year return of the benchmark index (Bloomberg Government/Credit 1-3 Yr Ex Baa TR USD), 1.84%.
  • ASBAX expense ratio is 0.67%, which is not negligible. Is the fund expensive to you, and does it align to your investment strategy?
  • Warning: this fund has a 12b1 and front-end sales fee. The maximum 12b1 fee is 0.3%, while the maximum front-end sales load is 2.5%. A 12b-1 fee is an annual marketing or distribution fee on a mutual fund. Front-end sales load, also known as sales charge, is a fee paid when mutual funds shares are purchased. Those fees are subtracted from your total investable assets.

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VBIRX

VBIRX description

The Fund seeks to track the performance of a market-weighted bond index with a short-term dollar-weighted average maturity. The Fund employs an indexing investment approach designed to track the performance of the Bloomberg U.S. 1-5 Year Government/ Credit Float Adjusted Index.

VBIRX performance & returns

YTD Return -3.90%
1-Month Return 0.20%
3-Month Return -2.29%
1-Year Return -2.29%
3-Year Return 0.75%
5-Year Return 1.14%
10-Year Return 1.18%
VBIRX expense ratio is 0.07%.

VBIRX holdings

Top 10 Holdings (12.00% of Total Assets)

Name Symbol % Assets
United States Treasury Notes 1.25% N/A 1.79%
United States Treasury Notes 0.25% N/A 1.72%
United States Treasury Notes 2.62% N/A 1.55%
United States Treasury Notes 0.12% N/A 1.11%
Cmt Market Liquidity Rate N/A 1.07%
United States Treasury Notes 1.75% N/A 1.01%
United States Treasury Notes 2.12% N/A 0.97%
United States Treasury Notes 2.25% N/A 0.94%
United States Treasury Notes N/A 0.92%
United States Treasury Notes 1.88% N/A 0.92%

VBIRX pros

The following are VBIRX strengths from our perspective:

  • VBIRX 3-year return is 0.75%, which is in line with the 3-year return of the benchmark index (Bloomberg US 1-5 year Government/Credit Float Adjusted TR USD), 0.8%.
  • VBIRX 5-year return is 1.14%, which is in line with the 5-year return of the benchmark index (Bloomberg US 1-5 year Government/Credit Float Adjusted TR USD), 1.2%.
  • VBIRX 10-year return is 1.18%, which is in line with the 10-year return of the benchmark index (Bloomberg US 1-5 year Government/Credit Float Adjusted TR USD), 1.27%.
  • VBIRX expense ratio is 0.07%, which is considered low. Nice job picking a low-cost fund.
  • Good news: this fund does not have 12b1, front-end or back-end sales fees.

VBIRX cons

None that we could think of.

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