GSIG vs VTI
Goldman Sachs Access Investment Grade Corporate 1-5 Year 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 | GSIG | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $9M | $666.9B | |
| Dividend Yield | 4.35% | 1.07% | |
| Holdings | 510 | 3,543 | |
| YTD Return | +0.30% | +13.14% | |
| 1Y Return | +4.17% | +22.35% | |
| 3Y Return (annualized) | +5.16% | +21.83% | |
| 5Y Return (annualized) | +2.06% | +12.01% | |
| Volatility (annualized) | 3.1% | 15.3% | |
| Max Drawdown | -9.6% | -56.6% | |
| Fund Family | Goldman Sachs Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 7, 2020 | May 24, 2001 |
GSIG vs VTI Performance
Goldman Sachs Access Investment Grade Corporate 1-5 Year Bond ETF (GSIG) 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 GSIG returned +4.17% while VTI returned +22.35%. Year to date, GSIG is up 0.30% versus a gain of 13.14% for VTI.
Over three years, GSIG compounded at +5.16% per year against +21.83% for VTI; over five years the annualized figures are +2.06% and +12.01% respectively. Across the full 6-year window we track, VTI has the edge at +8.09% annualized vs +1.91%. 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 3.1% for GSIG. 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 -9.6% for GSIG 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GSIG 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, GSIG currently yields 4.35% against 1.07% for VTI.
Holdings Overlap
GSIG and VTI share 3 holdings out of 3238 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, GSIG or VTI?
GSIG 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, GSIG or VTI?
Over the past year GSIG returned +4.17% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), GSIG annualized +1.91% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, GSIG or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.1% for GSIG. Worst drawdown: GSIG -9.6% vs VTI -56.6%.
Should I hold both GSIG and VTI?
GSIG and VTI have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GSIG and VTI?
GSIG and VTI share 3 common holdings with a 0.1% weight overlap. Combined, they hold 3238 unique securities.
Which pays a higher dividend, GSIG or VTI?
GSIG yields 4.35% while VTI yields 1.07%, so GSIG currently pays the higher dividend yield.
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