UBND vs VTI
UBND vs VTI
VictoryShares 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 | UBND | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $2.0B | $663.5B | |
| Dividend Yield | 4.74% | 1.07% | |
| Holdings | 1,425 | 3,543 | |
| YTD Return | -0.27% | +10.14% | |
| 1Y Return | +3.18% | +19.82% | |
| 3Y Return (annualized) | +4.79% | +18.94% | |
| 5Y Return (annualized) | - | +11.79% | |
| Volatility (annualized) | 6.5% | 15.4% | |
| Max Drawdown | -16.4% | -56.6% | |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 4, 2021 | May 24, 2001 |
UBND vs VTI Performance
VictoryShares Core Plus Bond ETF (UBND) is a ETF from Victory Capital Management Inc. and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UBND returned +3.18% while VTI returned +19.82%. Year to date, UBND is down 0.27% versus a gain of 10.14% for VTI.
Over three years, UBND compounded at +4.79% per year against +18.94% for VTI. Across the full 5-year window we track, VTI has the edge at +7.99% annualized vs +0.78%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 6.5% for UBND. 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 -16.4% for UBND 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UBND charges 0.40% per year while VTI charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, UBND currently yields 4.74% against 1.07% for VTI.
Holdings Overlap
UBND and VTI share 3 holdings out of 3601 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, UBND or VTI?
UBND has an expense ratio of 0.40% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, UBND or VTI?
Over the past year UBND returned +3.18% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), UBND annualized +0.78% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, UBND or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 6.5% for UBND. Worst drawdown: UBND -16.4% vs VTI -56.6%.
Should I hold both UBND and VTI?
UBND and VTI have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UBND and VTI?
UBND and VTI share 3 common holdings with a 0.0% weight overlap. Combined, they hold 3601 unique securities.
Which pays a higher dividend, UBND or VTI?
UBND yields 4.74% while VTI yields 1.07%, so UBND currently pays the higher dividend yield.
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