Growth of $10,000 in VMBS
Vanguard Mortgage-backed Securities Index Fund · Vanguard
A $10,000 investment compounding at VMBS’s trailing 10-year annualized total return of 1.3% would reach $12,948 in 20 years. The table shows every combination of averaging period and horizon; returns include dividends and are net of the fund's 0.03% expense ratio. Past performance does not predict future results.
Projection table
| Horizon | At 3-year avg (4.9%) | At 5-year avg (0.4%) | At 10-year avg (1.3%) |
|---|---|---|---|
| 5 years | $12,696 | $10,217 | $10,667 |
| 10 years | $16,119 | $10,438 | $11,379 |
| 15 years | $20,465 | $10,665 | $12,138 |
| 20 years | $25,983 | $10,896 | $12,948 |
| 25 years | $32,988 | $11,132 | $13,811 |
| 30 years | $41,882 | $11,374 | $14,733 |
Annualized total returns as of Aug 7, 2026, dividends reinvested. A constant rate is an illustration of compounding — real markets are far bumpier.
Want a different amount, horizon or a side-by-side fund comparison? Open VMBS in the interactive calculator →
Frequently Asked Questions
What would $10,000 in VMBS be worth in 10 years?
Compounding at its trailing 10-year annualized return of 1.3%, $10,000 in VMBS would grow to about $11,379 in 10 years and $12,948 in 20 years. Real returns arrive unevenly, so treat this as an illustration of compounding, not a forecast.
What is VMBS's average annual return?
As of Aug 7, 2026, VMBS's annualized total returns were 4.9% over 3 years, 0.4% over 5 years, 1.3% over 10 years — dividends reinvested, net of its 0.03% expense ratio.