GCOR vs VTI
GCOR vs VTI
Goldman Sachs Access US Aggregate Bond 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 | GCOR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $790M | $663.5B | |
| Dividend Yield | 4.13% | 1.07% | |
| Holdings | 1,741 | 3,543 | |
| YTD Return | -0.42% | +14.20% | |
| 1Y Return | +2.04% | +24.16% | |
| 3Y Return (annualized) | +3.72% | +21.12% | |
| 5Y Return (annualized) | -0.60% | +12.37% | |
| Volatility (annualized) | 6.2% | 15.3% | |
| Max Drawdown | -19.1% | -56.6% | |
| Fund Family | Goldman Sachs Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 8, 2020 | May 24, 2001 |
GCOR vs VTI Performance
Goldman Sachs Access US Aggregate Bond ETF (GCOR) is a ETF from Goldman Sachs Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year GCOR returned +2.04% while VTI returned +24.16%. Year to date, GCOR is down 0.42% versus a gain of 14.20% for VTI.
Over three years, GCOR compounded at +3.72% per year against +21.12% for VTI; over five years the annualized figures are -0.60% and +12.37% respectively. Across the full 6-year window we track, VTI has the edge at +8.14% annualized vs -0.68%. 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 6.2% for GCOR. 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 -19.1% for GCOR 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GCOR charges 0.08% per year while VTI charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, GCOR currently yields 4.13% against 1.07% for VTI.
Holdings Overlap
GCOR and VTI share 0 holdings out of 3841 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, GCOR or VTI?
GCOR has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, GCOR or VTI?
Over the past year GCOR returned +2.04% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), GCOR annualized -0.68% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, GCOR or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.2% for GCOR. Worst drawdown: GCOR -19.1% vs VTI -56.6%.
Should I hold both GCOR and VTI?
GCOR and VTI have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GCOR and VTI?
GCOR and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3841 unique securities.
Which pays a higher dividend, GCOR or VTI?
GCOR yields 4.13% while VTI yields 1.07%, so GCOR currently pays the higher dividend yield.
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