CGCB vs VTI
Capital Group Core Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | CGCB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.27% | 0.03% | |
| AUM | $6.4B | $666.9B | |
| Dividend Yield | 4.27% | 1.07% | |
| Holdings | 766 | 3,543 | |
| YTD Return | +0.03% | +12.65% | |
| 1Y Return | +2.38% | +21.39% | |
| 3Y Return (annualized) | +5.29% | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 5.5% | 15.3% | |
| Max Drawdown | -5.2% | -56.6% | |
| Fund Family | Capital Group (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 26, 2023 | May 24, 2001 |
CGCB vs VTI Performance
Capital Group Core Bond ETF (CGCB) is a ETF from Capital Group (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CGCB returned +2.38% while VTI returned +21.39%. Year to date, CGCB is up 0.03% versus a gain of 12.65% for VTI.
Over three years, CGCB compounded at +5.29% per year against +21.54% for VTI. Across the full 3-year window we track, VTI has the edge at +8.07% annualized vs +5.29%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 5.5% for CGCB. 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 -5.2% for CGCB and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.51. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CGCB charges 0.27% per year while VTI charges 0.03%. On a $10,000 position that is $27 vs $3 annually, a gap of $24 per year that compounds over a long holding period. On income, CGCB currently yields 4.27% against 1.07% for VTI.
Holdings Overlap
CGCB and VTI share 1 holdings out of 3129 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in CGCB | Weight in VTI | Difference |
|---|---|---|---|
| TMUS | 0.46% | 0.10% | 0.36% |
Frequently Asked Questions
Which is cheaper, CGCB or VTI?
CGCB has an expense ratio of 0.27% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, CGCB or VTI?
Over the past year CGCB returned +2.38% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), CGCB annualized +5.29% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, CGCB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.5% for CGCB. Worst drawdown: CGCB -5.2% vs VTI -56.6%.
Should I hold both CGCB and VTI?
CGCB and VTI have a monthly-return correlation of 0.51, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CGCB and VTI?
CGCB and VTI share 1 common holdings with a 0.1% weight overlap. Combined, they hold 3129 unique securities.
Which pays a higher dividend, CGCB or VTI?
CGCB yields 4.27% while VTI yields 1.07%, so CGCB currently pays the higher dividend yield.
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