CGBL vs VTI
Capital Group Core Balanced ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, CGBL or VTI?
Equity-oriented Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.94.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | CGBL | VTI |
|---|---|---|
| Expense Ratio | 0.33% | 0.03%Best |
| AUM | $7.6B | $666.9B |
| Dividend Yield | 1.85% | 1.03% |
| Holdings | 80 | 3,543 |
| YTD Return | +6.71% | +12.57%Best |
| 1Y Return | +9.94% | +17.22%Best |
| 3Y Return (annualized) | +16.90% | +20.87%Best |
| 5Y Return (annualized) | - | +11.86% |
| Volatility (annualized) | 9.1%Best | 12.8% |
| Max Drawdown | -11.7%Best | -19.3% |
| $10,000 over 3 years | $15,975 | $18,482Best |
| Fund Family | Capital Group (US) | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Equity-oriented Balanced | Large Cap Blend |
| Inception | Sep 26, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3 years row, are measured over the window both funds cover: Sep 28, 2023 to Sep 11, 2026 (3 years).
CGBL vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3 years both funds cover.
CGBL vs VTI Performance
Capital Group Core Balanced ETF (CGBL) is an ETF from Capital Group (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year CGBL returned +9.94% while VTI returned +17.22%. Year to date, CGBL is up 6.71% versus a gain of 12.57% for VTI.
Over three years, CGBL compounded at +16.90% per year against +20.87% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.8% compared with 9.1% for CGBL. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -11.7% for CGBL and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
CGBL charges 0.33% per year while VTI charges 0.03%. On a $10,000 position that is $33 vs $3 annually, a gap of $30 per year that compounds over a long holding period. On income, CGBL currently yields 1.85% against 1.03% for VTI.
Holdings Overlap
At least 50.3% of CGBL's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
The two portfolios partly overlap.
62 positions in common, counted across the 77 positions we hold weights for in CGBL and 2,787 in VTI, against full books of 80 and 3,543.
Top Shared Holdings
| Stock | Weight in CGBL | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 2.11% | 5.84% | 3.73% |
| AVGOBroadcom Inc | 5.00% | 2.46% | 2.54% |
| NVDANvidia Corp. | 0.79% | 6.32% | 5.53% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 2.41% | 3.81% | 1.40% |
| GOOGAlphabet Inc | 2.82% | 2.27% | 0.55% |
| AMZNAmazon.Com Inc | 0.92% | 3.17% | 2.25% |
| MUMicron Technology, Inc. | 1.90% | 1.79% | 0.11% |
| PMPhilip Morris International Inc. | 2.13% | 0.39% | 1.74% |
| LLYEli Lilly & Co. | 0.63% | 1.40% | 0.77% |
| TSLATesla Inc | 0.30% | 1.63% | 1.33% |
50.3% of CGBL is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CGBL or VTI?
CGBL has an expense ratio of 0.33% while VTI charges 0.03%. VTI is the cheaper option, by $30 a year on a $10,000 investment.
Which performed better, CGBL or VTI?
Over the past year CGBL returned +9.94% vs +17.22% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CGBL or VTI?
VTI has been the more volatile fund at 12.8% annualized versus 9.1% for CGBL. Worst drawdown: CGBL -11.7% vs VTI -19.3%.
Should I hold both CGBL and VTI?
CGBL and VTI have a monthly-return correlation of 0.94, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between CGBL and VTI?
At least 50.3% of CGBL's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 62 positions in common, counted across the 77 positions we hold weights for in CGBL and 2,787 in VTI.
Which pays a higher dividend, CGBL or VTI?
CGBL yields 1.85% while VTI yields 1.03%, so CGBL currently pays the higher dividend yield.
Is VTI better than CGBL?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.94. Which one suits a particular account depends on what it is for. This is information, not a recommendation.