VTC vs VTI
VTC vs VTI
Vanguard Total Corporate Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTC offers more diversification with 4198 holdings.
Side-by-Side Comparison
| Metric | VTC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $1.8B | $663.5B | |
| Dividend Yield | 4.17% | 1.07% | |
| Holdings | 4,840 | 3,543 | |
| YTD Return | -0.59% | +13.39% | |
| 1Y Return | +1.57% | +23.21% | |
| 3Y Return (annualized) | +4.87% | +20.65% | |
| 5Y Return (annualized) | -0.22% | +12.18% | |
| Volatility (annualized) | 7.3% | 15.3% | |
| Max Drawdown | -22.4% | -56.6% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 7, 2017 | May 24, 2001 |
VTC vs VTI Performance
Vanguard Total Corporate Bond ETF (VTC) is a ETF from Vanguard (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year VTC returned +1.57% while VTI returned +23.21%. Year to date, VTC is down 0.59% versus a gain of 13.39% for VTI.
Over three years, VTC compounded at +4.87% per year against +20.65% for VTI; over five years the annualized figures are -0.22% and +12.18% respectively. Across the full 9-year window we track, VTI has the edge at +8.11% annualized vs +0.96%. 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 7.3% for VTC. 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 -22.4% for VTC 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
VTC charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, VTC currently yields 4.17% against 1.07% for VTI.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, VTC or VTI?
VTC has an expense ratio of 0.03% while VTI charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, VTC or VTI?
Over the past year VTC returned +1.57% vs +23.21% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), VTC annualized +0.96% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, VTC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.3% for VTC. Worst drawdown: VTC -22.4% vs VTI -56.6%.
Should I hold both VTC and VTI?
VTC 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 VTC and VTI?
VTC and VTI share 2 common holdings with a 0.0% weight overlap. Combined, they hold 6979 unique securities.
Which pays a higher dividend, VTC or VTI?
VTC yields 4.17% while VTI yields 1.07%, so VTC currently pays the higher dividend yield.
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