UCBG vs VTI
State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, UCBG or VTI?
Equity-oriented Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 35.2%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | UCBG | VTI |
|---|---|---|
| Expense Ratio | 0.06% | 0.03%Best |
| AUM | $2.5B | $689.2B |
| Dividend Yield | 0.09% | 1.06% |
| Holdings | 782 | 3,524 |
| YTD Return | -3.38% | +8.12%Best |
| 1Y Return | - | +9.45% |
| 3Y Return (annualized) | - | +20.25% |
| 5Y Return (annualized) | - | +9.78% |
| Top 10 Weight | 35.2% | 33.5%Best |
| Fund Family | State Street Investment Management | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Equity-oriented Balanced | Large Cap Blend |
| Inception | Sep 1, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
UCBG vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
UCBG vs VTI Performance
State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF (UCBG) is an ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, UCBG is down 3.38% versus a gain of 8.12% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
UCBG charges 0.06% per year while VTI charges 0.03%. On a $10,000 position that is $6 vs $3 annually, a gap of $3 per year that compounds over a long holding period. On income, UCBG currently yields 0.09% against 1.06% for VTI.
Holdings Overlap
89.5% of UCBG's money is in holdings VTI also owns. 88.3% of VTI's money is in holdings UCBG also owns.
Most of UCBG is already inside VTI. Owning both mostly buys the same companies twice.
498 positions in common, counted across the 782 positions we hold weights for in UCBG and 3,441 in VTI, against full books of 782 and 3,524.
What only one of them owns
Our book lists 661 positions for VTI that do not appear in our book for UCBG (9.5% of the fund), and 279 for UCBG that do not appear in VTI (8.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in UCBG | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 7.67% | 6.88% | 0.79% |
| AAPLApple, Inc | 6.60% | 6.30% | 0.30% |
| MSFTMicrosoft Corp | 5.20% | 5.11% | 0.09% |
| AMZNAmazon.Com Inc | 3.34% | 3.41% | 0.07% |
| GOOGLAlphabet Inc | 2.73% | 2.70% | 0.03% |
| AVGOBroadcom Inc | 2.28% | 2.38% | 0.10% |
| GOOGAlphabet Inc. C | 2.19% | 2.12% | 0.07% |
| METAMeta Platforms Inc | 2.17% | 1.70% | 0.47% |
| MUMicron Technology, Inc. | 1.64% | 1.46% | 0.18% |
| TSLATesla Inc | 1.41% | 1.40% | 0.01% |
89.5% of UCBG is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, UCBG or VTI?
UCBG has an expense ratio of 0.06% while VTI charges 0.03%. VTI is the cheaper option, by $3 a year on a $10,000 investment.
What is the holdings overlap between UCBG and VTI?
89.5% of UCBG's money is in holdings VTI also owns. 88.3% of VTI's is in holdings UCBG also owns. They hold 498 positions in common, counted across the 782 positions we hold weights for in UCBG and 3,441 in VTI.
Which pays a higher dividend, UCBG or VTI?
UCBG yields 0.09% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than UCBG?
VTI has a lower expense ratio. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 35.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.