UCRD vs VTI
VictoryShares Corporate 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 | UCRD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $148M | $663.5B | |
| Dividend Yield | 4.18% | 1.07% | |
| Holdings | 476 | 3,543 | |
| YTD Return | -0.42% | +13.87% | |
| 1Y Return | +2.14% | +23.31% | |
| 3Y Return (annualized) | +5.52% | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 8.4% | 15.3% | |
| Max Drawdown | -22.1% | -56.6% | |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 4, 2021 | May 24, 2001 |
UCRD vs VTI Performance
VictoryShares Corporate Bond ETF (UCRD) is a ETF from Victory Capital Management Inc. and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UCRD returned +2.14% while VTI returned +23.31%. Year to date, UCRD is down 0.42% versus a gain of 13.87% for VTI.
Over three years, UCRD compounded at +5.52% per year against +21.17% for VTI. Across the full 5-year window we track, VTI has the edge at +8.13% annualized vs +0.02%. 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 8.4% for UCRD. 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 -22.1% for UCRD 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UCRD charges 0.40% per year while VTI charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, UCRD currently yields 4.18% against 1.07% for VTI.
Holdings Overlap
UCRD and VTI share 1 holdings out of 3171 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in UCRD | Weight in VTI | Difference |
|---|---|---|---|
| KDP | 0.16% | 0.06% | 0.10% |
Frequently Asked Questions
Which is cheaper, UCRD or VTI?
UCRD has an expense ratio of 0.40% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, UCRD or VTI?
Over the past year UCRD returned +2.14% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), UCRD annualized +0.02% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, UCRD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 8.4% for UCRD. Worst drawdown: UCRD -22.1% vs VTI -56.6%.
Should I hold both UCRD and VTI?
UCRD and VTI have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UCRD and VTI?
UCRD and VTI share 1 common holdings with a 0.1% weight overlap. Combined, they hold 3171 unique securities.
Which pays a higher dividend, UCRD or VTI?
UCRD yields 4.18% while VTI yields 1.07%, so UCRD currently pays the higher dividend yield.
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