VCRM vs VTI
Vanguard Core Tax-Exempt Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VCRM offers more diversification with 3,675 holdings.
Side-by-Side Comparison
| Metric | VCRM | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.03% | |
| AUM | $1.7B | $666.9B | |
| Dividend Yield | 3.69% | 1.07% | |
| Holdings | 3,675 | 3,543 | |
| YTD Return | -0.98% | +13.14% | |
| 1Y Return | +3.87% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 4.1% | 15.3% | |
| Max Drawdown | -3.8% | -56.6% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Nov 19, 2024 | May 24, 2001 |
VCRM vs VTI Performance
Vanguard Core Tax-Exempt Bond ETF (VCRM) is a ETF from Vanguard (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year VCRM returned +3.87% while VTI returned +22.35%. Year to date, VCRM is down 0.98% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.1% for VCRM. 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 -3.8% for VCRM 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VCRM charges 0.12% per year while VTI charges 0.03%. On a $10,000 position that is $12 vs $3 annually, a gap of $9 per year that compounds over a long holding period. On income, VCRM currently yields 3.69% against 1.07% for VTI.
Holdings Overlap
VCRM and VTI share 0 holdings out of 2977 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VCRM or VTI?
VCRM has an expense ratio of 0.12% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, VCRM or VTI?
Over the past year VCRM returned +3.87% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), VCRM annualized +2.56% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, VCRM or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.1% for VCRM. Worst drawdown: VCRM -3.8% vs VTI -56.6%.
Should I hold both VCRM and VTI?
VCRM and VTI have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VCRM and VTI?
VCRM and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2977 unique securities.
Which pays a higher dividend, VCRM or VTI?
VCRM yields 3.69% while VTI yields 1.07%, so VCRM currently pays the higher dividend yield.
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