VBCI vs VTI
Vanguard Target Maturity 2035 Corporate Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, VBCI or VTI?
Long Term Mid Quality against Large Cap Blend.
VTI has a lower expense ratio.
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 | VBCI | VTI |
|---|---|---|
| Expense Ratio | 0.08% | 0.03%Best |
| AUM | $12M | $666.9B |
| Dividend Yield | 1.74% | 1.03% |
| Holdings | 376 | 3,543 |
| YTD Return | -0.54% | +12.30%Best |
| 1Y Return | - | +16.08% |
| 3Y Return (annualized) | - | +21.01% |
| 5Y Return (annualized) | - | +12.36% |
| Fund Family | Vanguard (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term Mid Quality | Large Cap Blend |
| Inception | Mar 10, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
VBCI 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.
VBCI vs VTI Performance
Vanguard Target Maturity 2035 Corporate Bond ETF (VBCI) is an ETF from Vanguard (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, VBCI is down 0.54% versus a gain of 12.30% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
VBCI 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, VBCI currently yields 1.74% against 1.03% for VTI.
Holdings Overlap
At least 31.4% of VTI's money is in holdings VBCI also owns.
Stated as a floor: for VBCI, our book for it covers 23.7% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
The two portfolios partly overlap.
73 positions in common, counted across the 76 positions we hold weights for in VBCI and 3,463 in VTI, against full books of 376 and 3,543.
Top Shared Holdings
| Stock | Weight in VBCI | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 0.11% | 6.29% | 6.18% |
| MSFTMicrosoft Corp | 0.30% | 4.79% | 4.49% |
| AMZNAmazon.Com Inc | 0.91% | 3.65% | 2.74% |
| AVGOBroadcom Inc | 0.90% | 2.56% | 1.66% |
| METAMeta Platforms Inc | 1.62% | 1.70% | 0.08% |
| JPMJpmorgan Chase | 1.01% | 1.31% | 0.30% |
| BACBank Of America Corp. | 0.89% | 0.55% | 0.34% |
| CCitigroup Inc. | 0.93% | 0.30% | 0.63% |
| VVisa Inc Class A | 0.32% | 0.83% | 0.51% |
| JNJJohnson & Johnson - Common | 0.28% | 0.86% | 0.58% |
31.4% of VTI is already inside VBCI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
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Frequently Asked Questions
Which is cheaper, VBCI or VTI?
VBCI has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option, by $5 a year on a $10,000 investment.
What is the holdings overlap between VBCI and VTI?
At least 31.4% of VTI's money is in holdings VBCI also owns. Our book for VBCI is partial, so the real figure is this or higher. They hold 73 positions in common, counted across the 76 positions we hold weights for in VBCI and 3,463 in VTI.
Which pays a higher dividend, VBCI or VTI?
VBCI yields 1.74% while VTI yields 1.03%, so VBCI currently pays the higher dividend yield.
Is VTI better than VBCI?
VTI has a lower expense ratio. Which one suits a particular account depends on what it is for. This is information, not a recommendation.