VCOB vs VTI
Voya Core Bond 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 | VCOB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $97M | $666.9B | |
| Dividend Yield | 0.51% | 1.07% | |
| Holdings | 955 | 3,543 | |
| YTD Return | -1.74% | +13.12% | |
| 1Y Return | - | +20.82% | |
| 3Y Return (annualized) | - | +21.43% | |
| 5Y Return (annualized) | - | +11.84% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -4.0% | -56.6% | |
| Fund Family | Voya Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 18, 2025 | May 24, 2001 |
VCOB vs VTI Performance
Voya Core Bond ETF (VCOB) is a ETF from Voya Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, VCOB is down 1.74% versus a gain of 13.12% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -4.0% for VCOB 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
VCOB charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, VCOB currently yields 0.51% against 1.07% for VTI.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, VCOB or VTI?
VCOB has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
What is the holdings overlap between VCOB and VTI?
VCOB and VTI share 2 common holdings with a 0.1% weight overlap. Combined, they hold 3515 unique securities.
Which pays a higher dividend, VCOB or VTI?
VCOB yields 0.51% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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