CGHY vs VTI
Capital Group High Yield 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 | CGHY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $126M | $666.9B | |
| Dividend Yield | 5.50% | 1.07% | |
| Holdings | 202 | 3,543 | |
| YTD Return | +2.52% | +13.14% | |
| 1Y Return | +5.74% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 2.2% | 15.3% | |
| Max Drawdown | -2.4% | -56.6% | |
| Fund Family | Capital Group (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 24, 2025 | May 24, 2001 |
CGHY vs VTI Performance
Capital Group High Yield Bond ETF (CGHY) 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 CGHY returned +5.74% while VTI returned +22.35%. Year to date, CGHY is up 2.52% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.2% for CGHY. 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 -2.4% for CGHY 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CGHY charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, CGHY currently yields 5.50% against 1.07% for VTI.
Holdings Overlap
CGHY and VTI share 3 holdings out of 3001 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CGHY or VTI?
CGHY has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, CGHY or VTI?
Over the past year CGHY returned +5.74% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), CGHY annualized +5.50% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, CGHY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.2% for CGHY. Worst drawdown: CGHY -2.4% vs VTI -56.6%.
Should I hold both CGHY and VTI?
CGHY and VTI have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CGHY and VTI?
CGHY and VTI share 3 common holdings with a 0.1% weight overlap. Combined, they hold 3001 unique securities.
Which pays a higher dividend, CGHY or VTI?
CGHY yields 5.50% while VTI yields 1.07%, so CGHY currently pays the higher dividend yield.
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