DGCB vs VTI
Dimensional Global Credit 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 | DGCB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $1.1B | $663.5B | |
| Dividend Yield | 3.98% | 1.07% | |
| Holdings | 1,147 | 3,543 | |
| YTD Return | +1.06% | +14.22% | |
| 1Y Return | +3.17% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 4.4% | 15.3% | |
| Max Drawdown | -3.1% | -56.6% | |
| Fund Family | Dimensional | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 7, 2023 | May 24, 2001 |
DGCB vs VTI Performance
Dimensional Global Credit ETF (DGCB) is a ETF from Dimensional and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year DGCB returned +3.17% while VTI returned +22.19%. Year to date, DGCB is up 1.06% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.4% for DGCB. 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 -3.1% for DGCB 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DGCB charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, DGCB currently yields 3.98% against 1.07% for VTI.
Holdings Overlap
DGCB and VTI share 0 holdings out of 3501 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, DGCB or VTI?
DGCB has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, DGCB or VTI?
Over the past year DGCB returned +3.17% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), DGCB annualized +7.62% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, DGCB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.4% for DGCB. Worst drawdown: DGCB -3.1% vs VTI -56.6%.
Should I hold both DGCB and VTI?
DGCB and VTI have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DGCB and VTI?
DGCB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3501 unique securities.
Which pays a higher dividend, DGCB or VTI?
DGCB yields 3.98% while VTI yields 1.07%, so DGCB currently pays the higher dividend yield.
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