GBND vs VTI
Goldman Sachs 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 | GBND | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $528M | $666.9B | |
| Dividend Yield | 3.86% | 1.07% | |
| Holdings | 748 | 3,543 | |
| YTD Return | -0.19% | +13.14% | |
| 1Y Return | +2.66% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 3.2% | 15.3% | |
| Max Drawdown | -2.8% | -56.6% | |
| Fund Family | Goldman Sachs Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 24, 2025 | May 24, 2001 |
GBND vs VTI Performance
Goldman Sachs Core Bond ETF (GBND) is a ETF from Goldman Sachs Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year GBND returned +2.66% while VTI returned +22.35%. Year to date, GBND is down 0.19% 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 3.2% for GBND. 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 -2.8% for GBND 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 0.40. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GBND charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, GBND currently yields 3.86% against 1.07% for VTI.
Holdings Overlap
GBND and VTI share 0 holdings out of 3248 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, GBND or VTI?
GBND has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, GBND or VTI?
Over the past year GBND returned +2.66% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), GBND annualized +2.76% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, GBND or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.2% for GBND. Worst drawdown: GBND -2.8% vs VTI -56.6%.
Should I hold both GBND and VTI?
GBND and VTI have a monthly-return correlation of 0.40, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GBND and VTI?
GBND and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3248 unique securities.
Which pays a higher dividend, GBND or VTI?
GBND yields 3.86% while VTI yields 1.07%, so GBND currently pays the higher dividend yield.
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