CGUI vs VTI
CGUI vs VTI
Capital Group Ultra Short Income ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | CGUI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.03% | |
| AUM | $318M | $663.5B | |
| Dividend Yield | 3.83% | 1.07% | |
| Holdings | 330 | 3,543 | |
| YTD Return | +2.20% | +14.20% | |
| 1Y Return | +4.02% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 0.5% | 15.3% | |
| Max Drawdown | -0.2% | -56.6% | |
| Fund Family | Capital Group (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 25, 2024 | May 24, 2001 |
CGUI vs VTI Performance
Capital Group Ultra Short Income ETF (CGUI) is a ETF from Capital Group (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CGUI returned +4.02% while VTI returned +24.16%. Year to date, CGUI is up 2.20% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 0.5% for CGUI. 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 -0.2% for CGUI 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 0.26. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CGUI charges 0.18% per year while VTI charges 0.03%. On a $10,000 position that is $18 vs $3 annually, a gap of $15 per year that compounds over a long holding period. On income, CGUI currently yields 3.83% against 1.07% for VTI.
Holdings Overlap
CGUI and VTI share 0 holdings out of 2953 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CGUI or VTI?
CGUI has an expense ratio of 0.18% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $15 per year of difference.
Which performed better, CGUI or VTI?
Over the past year CGUI returned +4.02% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), CGUI annualized +4.88% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, CGUI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 0.5% for CGUI. Worst drawdown: CGUI -0.2% vs VTI -56.6%.
Should I hold both CGUI and VTI?
CGUI and VTI have a monthly-return correlation of 0.26, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CGUI and VTI?
CGUI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2953 unique securities.
Which pays a higher dividend, CGUI or VTI?
CGUI yields 3.83% while VTI yields 1.07%, so CGUI currently pays the higher dividend yield.
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