VCRB vs VTI
Vanguard Core Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, VCRB or VTI?
Intermediate Term Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
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 | VCRB | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $7.7B | $666.9B |
| Dividend Yield | 4.69% | 1.03% |
| Holdings | 3,480 | 3,543 |
| YTD Return | -1.03% | +12.57%Best |
| 1Y Return | -0.47% | +17.22%Best |
| 3Y Return (annualized) | - | +20.87% |
| 5Y Return (annualized) | - | +11.86% |
| Volatility (annualized) | 4.3%Best | 12.1% |
| Max Drawdown | -4.1%Best | -19.3% |
| $10,000 over 2.7 years | $10,988 | $16,419Best |
| Fund Family | Vanguard (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Blend |
| Inception | Dec 12, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.7 years row, are measured over the window both funds cover: Dec 14, 2023 to Sep 11, 2026 (2.7 years).
VCRB 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 covers the 2.7 years both funds cover.
VCRB vs VTI Performance
Vanguard Core Bond ETF (VCRB) is an ETF from Vanguard (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year VCRB returned -0.47% while VTI returned +17.22%. Year to date, VCRB is down 1.03% versus a gain of 12.57% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.1% compared with 4.3% for VCRB. 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 -4.1% for VCRB and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.37. They move together some of the time, and apart the rest.
Fees and Cost Over Time
VCRB charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, VCRB currently yields 4.69% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 273 holdings in VCRB and 2,787 in VTI, totalling 7.1% and 90.6% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 1 positions appear in both.
1 positions in common, counted across the 273 positions we hold weights for in VCRB and 2,787 in VTI, against full books of 3,480 and 3,543.
Top Shared Holdings
| Stock | Weight in VCRB | Weight in VTI | Difference |
|---|---|---|---|
| AONAon Corp/Aon Gl 5.35% 02/28/33 | 0.02% | 0.09% | 0.07% |
You are not choosing between two funds in isolation.
Whichever of VCRB and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VCRB or VTI?
VCRB has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option, by $7 a year on a $10,000 investment.
Which performed better, VCRB or VTI?
Over the past year VCRB returned -0.47% vs +17.22% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VCRB or VTI?
VTI has been the more volatile fund at 12.1% annualized versus 4.3% for VCRB. Worst drawdown: VCRB -4.1% vs VTI -19.3%.
Should I hold both VCRB and VTI?
VCRB and VTI have a monthly-return correlation of 0.37, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, VCRB or VTI?
VCRB yields 4.69% while VTI yields 1.03%, so VCRB currently pays the higher dividend yield.
Is VTI better than VCRB?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.