VCHY vs VTI
Vanguard US High-Yield Corporate Bond Index ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VCHY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.05% | 0.03% | |
| AUM | $38M | $666.9B | |
| Dividend Yield | 0.50% | 1.07% | |
| Holdings | 1,079 | 3,543 | |
| YTD Return | -0.15% | +12.65% | |
| 1Y Return | - | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -1.2% | -56.6% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 19, 2026 | May 24, 2001 |
VCHY vs VTI Performance
Vanguard US High-Yield Corporate Bond Index ETF (VCHY) is a ETF from Vanguard (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, VCHY is down 0.15% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -1.2% for VCHY and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
VCHY charges 0.05% per year while VTI charges 0.03%. On a $10,000 position that is $5 vs $3 annually, a gap of $2 per year that compounds over a long holding period. On income, VCHY currently yields 0.50% against 1.07% for VTI.
Holdings Overlap
VCHY and VTI share 1 holdings out of 3865 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in VCHY | Weight in VTI | Difference |
|---|---|---|---|
| THC | 0.23% | 0.02% | 0.21% |
Frequently Asked Questions
Which is cheaper, VCHY or VTI?
VCHY has an expense ratio of 0.05% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
What is the holdings overlap between VCHY and VTI?
VCHY and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3865 unique securities.
Which pays a higher dividend, VCHY or VTI?
VCHY yields 0.50% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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