VTI vs XCCC
VTI vs XCCC
Vanguard Total Stock Market ETF vs BondBloxx CCC Rated USD High Yield Corporate Bond 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 | VTI | XCCC | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.40% | |
| AUM | $663.5B | $273M | |
| Dividend Yield | 1.07% | 9.95% | |
| Holdings | 3,543 | 188 | |
| YTD Return | +14.20% | -0.58% | |
| 1Y Return | +24.16% | +2.11% | |
| 3Y Return (annualized) | +21.12% | +8.97% | |
| 5Y Return (annualized) | +12.37% | - | |
| Volatility (annualized) | 15.3% | 8.9% | |
| Max Drawdown | -56.6% | -11.0% | |
| Fund Family | Vanguard (US) | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | May 24, 2022 |
VTI vs XCCC Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and BondBloxx CCC Rated USD High Yield Corporate Bond ETF (XCCC) is a ETF from BondBloxx. Over the past year VTI returned +24.16% while XCCC returned +2.11%. Year to date, VTI is up 14.20% versus a loss of 0.58% for XCCC.
Over three years, VTI compounded at +21.12% per year against +8.97% for XCCC. Across the full 4-year window we track, VTI has the edge at +8.14% annualized vs +7.61%. 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 8.9% for XCCC. 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 -56.6% for VTI and -11.0% for XCCC. 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XCCC charges 0.40%. On a $10,000 position that is $3 vs $40 annually, a gap of $37 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 9.95% for XCCC.
Holdings Overlap
VTI and XCCC share 0 holdings out of 2948 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, VTI or XCCC?
VTI has an expense ratio of 0.03% while XCCC charges 0.40%. VTI is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, VTI or XCCC?
Over the past year VTI returned +24.16% vs +2.11% for XCCC, so VTI leads on 1-year performance. Over the longest common window we track (4 years), VTI annualized +8.14% vs +7.61% for XCCC. Past performance does not guarantee future results.
Which is riskier, VTI or XCCC?
VTI has been the more volatile fund at 15.3% annualized versus 8.9% for XCCC. Worst drawdown: VTI -56.6% vs XCCC -11.0%.
Should I hold both VTI and XCCC?
VTI and XCCC have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XCCC?
VTI and XCCC share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2948 unique securities.
Which pays a higher dividend, VTI or XCCC?
VTI yields 1.07% while XCCC yields 9.95%, so XCCC currently pays the higher dividend yield.
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