GUMI vs VTI
Goldman Sachs Ultra Short Municipal Income 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 | GUMI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.16% | 0.03% | |
| AUM | $65M | $666.9B | |
| Dividend Yield | 2.73% | 1.07% | |
| Holdings | 188 | 3,543 | |
| YTD Return | +1.66% | +12.79% | |
| 1Y Return | +2.92% | +20.47% | |
| 3Y Return (annualized) | - | +21.53% | |
| 5Y Return (annualized) | - | +11.84% | |
| Volatility (annualized) | 0.4% | 15.3% | |
| Max Drawdown | -0.5% | -56.6% | |
| Fund Family | Goldman Sachs Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 25, 2024 | May 24, 2001 |
GUMI vs VTI Performance
Goldman Sachs Ultra Short Municipal Income ETF (GUMI) 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 GUMI returned +2.92% while VTI returned +20.47%. Year to date, GUMI is up 1.66% versus a gain of 12.79% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 0.4% for GUMI. 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 -0.5% for GUMI 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 0.14. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GUMI charges 0.16% per year while VTI charges 0.03%. On a $10,000 position that is $16 vs $3 annually, a gap of $13 per year that compounds over a long holding period. On income, GUMI currently yields 2.73% against 1.07% for VTI.
Holdings Overlap
GUMI and VTI share 0 holdings out of 2824 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, GUMI or VTI?
GUMI has an expense ratio of 0.16% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, GUMI or VTI?
Over the past year GUMI returned +2.92% vs +20.47% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), GUMI annualized +3.17% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, GUMI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 0.4% for GUMI. Worst drawdown: GUMI -0.5% vs VTI -56.6%.
Should I hold both GUMI and VTI?
GUMI and VTI have a monthly-return correlation of 0.14, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GUMI and VTI?
GUMI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2824 unique securities.
Which pays a higher dividend, GUMI or VTI?
GUMI yields 2.73% while VTI yields 1.07%, so GUMI currently pays the higher dividend yield.
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