USIG vs VTI
USIG vs VTI
iShares Broad USD Investment Grade Corporate Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. USIG offers more diversification with 9966 holdings.
Side-by-Side Comparison
| Metric | USIG | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.03% | |
| AUM | $17.3B | $663.5B | |
| Dividend Yield | 4.72% | 1.07% | |
| Holdings | 11,462 | 3,543 | |
| YTD Return | -0.47% | +13.39% | |
| 1Y Return | +1.91% | +23.21% | |
| 3Y Return (annualized) | +5.24% | +20.65% | |
| 5Y Return (annualized) | +0.13% | +12.18% | |
| Volatility (annualized) | 7.4% | 15.3% | |
| Max Drawdown | -21.6% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 5, 2007 | May 24, 2001 |
USIG vs VTI Performance
iShares Broad USD Investment Grade Corporate Bond ETF (USIG) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year USIG returned +1.91% while VTI returned +23.21%. Year to date, USIG is down 0.47% versus a gain of 13.39% for VTI.
Over three years, USIG compounded at +5.24% per year against +20.65% for VTI; over five years the annualized figures are +0.13% and +12.18% respectively. Across the full 8-year window we track, VTI has the edge at +8.11% annualized vs +1.81%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.4% for USIG. 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 -21.6% for USIG 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
USIG charges 0.04% per year while VTI charges 0.03%. On a $10,000 position that is $4 vs $3 annually, a gap of $1 per year that compounds over a long holding period. On income, USIG currently yields 4.72% against 1.07% for VTI.
Holdings Overlap
USIG and VTI share 9 holdings out of 12740 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in USIG | Weight in VTI | Difference |
|---|---|---|---|
| LRCX | 0.00% | 0.74% | 0.74% |
| GE | 0.01% | 0.54% | 0.53% |
| DUK | 0.01% | 0.14% | 0.13% |
| AON | Pro | Pro | Pro |
| KDP | Pro | Pro | Pro |
| HUBB | Pro | Pro | Pro |
| ADM | Pro | Pro | Pro |
| CNP | Pro | Pro | Pro |
| GMT | Pro | Pro | Pro |
See all 9 holdings USIG shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, USIG or VTI?
USIG has an expense ratio of 0.04% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, USIG or VTI?
Over the past year USIG returned +1.91% vs +23.21% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), USIG annualized +1.81% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, USIG or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.4% for USIG. Worst drawdown: USIG -21.6% vs VTI -56.6%.
Should I hold both USIG and VTI?
USIG and VTI have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between USIG and VTI?
USIG and VTI share 9 common holdings with a 0.1% weight overlap. Combined, they hold 12740 unique securities.
Which pays a higher dividend, USIG or VTI?
USIG yields 4.72% while VTI yields 1.07%, so USIG currently pays the higher dividend yield.
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