NCPB vs VTI
NCPB vs VTI
Nuveen Core Plus Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | NCPB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.31% | 0.03% | |
| AUM | $55M | $663.5B | |
| Dividend Yield | 5.17% | 1.07% | |
| Holdings | 476 | 3,543 | |
| YTD Return | -0.11% | +10.14% | |
| 1Y Return | +3.78% | +19.82% | |
| 3Y Return (annualized) | - | +18.94% | |
| 5Y Return (annualized) | - | +11.79% | |
| Volatility (annualized) | 4.4% | 15.4% | |
| Max Drawdown | -2.9% | -56.6% | |
| Fund Family | Nuveen | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 5, 2024 | May 24, 2001 |
NCPB vs VTI Performance
Nuveen Core Plus Bond ETF (NCPB) is a ETF from Nuveen and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year NCPB returned +3.78% while VTI returned +19.82%. Year to date, NCPB is down 0.11% versus a gain of 10.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 4.4% for NCPB. 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 -2.9% for NCPB 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 0.49. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
NCPB charges 0.31% per year while VTI charges 0.03%. On a $10,000 position that is $31 vs $3 annually, a gap of $28 per year that compounds over a long holding period. On income, NCPB currently yields 5.17% against 1.07% for VTI.
Holdings Overlap
NCPB and VTI share 3 holdings out of 3146 unique holdings combined, representing a 0.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, NCPB or VTI?
NCPB has an expense ratio of 0.31% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $28 per year of difference.
Which performed better, NCPB or VTI?
Over the past year NCPB returned +3.78% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), NCPB annualized +6.05% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, NCPB or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 4.4% for NCPB. Worst drawdown: NCPB -2.9% vs VTI -56.6%.
Should I hold both NCPB and VTI?
NCPB and VTI have a monthly-return correlation of 0.49, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NCPB and VTI?
NCPB and VTI share 3 common holdings with a 0.3% weight overlap. Combined, they hold 3146 unique securities.
Which pays a higher dividend, NCPB or VTI?
NCPB yields 5.17% while VTI yields 1.07%, so NCPB currently pays the higher dividend yield.
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