Which returned more over the last year, VBIL or VCIT?

In the year to Oct 28, 2026, with distributions reinvested, VBIL returned +3.7% and VCIT −1.8%.

Which is cheaper, VBIL or VCIT?

VCIT is cheaper, by 0.03 percentage points a year. That is about $3 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

VBIL vs VCIT: Differences, Returns & Fees

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VBIL's duration was 0.1 years on Jun 30, 2026 and VCIT's 6.0 on May 31, 2026; VCIT charges 0.03% to VBIL's 0.06%.

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Net assets on Sep 30, 2026: $12.8bn for Vanguard 0-3 Month Treasury Bill ETF and $66.6bn for Vanguard Intermediate-Term Corporate Bond ETF.

VBIL on its own →VCIT on its own →

At a glance

+3.7%

VBIL total return, 1 year

−1.8%

VCIT total return, 1 year

0.06%

VBIL expense ratio

0.03%

VCIT expense ratio

Pair scorecard

VCIT costs 0.03 points a year less; their one-year returns differ by 5.5 points; VCIT is 5.2 times larger.

VBIL vs VCIT: Differences, Returns & Fees
Measure	VBIL	VCIT
Return
Measure	VBIL	VCIT
Total return, 1 year	+3.7%	−1.8%
Drawdown
Measure	VBIL	VCIT
Below its high		3.2%, high on Feb 27, 2026
Benchmark
Measure	VBIL	VCIT
What it tracks	Bloomberg U.S. Treasury Bills 0-3 Months Index	Bloomberg U.S. 5-10 Year Corporate Bond Index
Cost and size
Measure	VBIL	VCIT
Expense ratio	0.06%	0.03%
Net assets, as of Sep 30, 2026	$12.8bn	$66.6bn
Holdings
Measure	VBIL	VCIT
Holdings in common	0%

Holdings in common uses holdings dated May 31, 2026 and Jun 30, 2026. Method

Risk and return

Feb 21, 2025 to Oct 23, 2026 · 87 weekly returns

VBIL VCIT

Return

Total return edge VBIL +6.7% +5.7%

Annualized edge VBIL +3.9% +3.3%

Price return edge VBIL +0.8% −2.4%

Risk

Volatility edge VBIL 0.1% 4.7%

Max drawdown edge VBIL 0.0% −4.9%

Risk-adjusted

Sharpe edge VCIT −0.64 −0.12

Sortino edge VCIT −0.90 −0.16

Calmar Not measured 0.68

Reading

VBIL returned more: +6.7% to +5.7%. VBIL swung less: 0.1% to 4.7%. VBIL fell less at its worst: 0.0% to −4.9%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: VBIL vs VCIT: Differences, Returns & Fees
Measure	VBIL	VCIT	Edge	How it is measured
Return
Total return	+6.7%	+5.7%	VBIL	Price change plus distributions, reinvested.
Annualized	+3.9%	+3.3%	VBIL	Total return as a yearly rate.
Price return	+0.8%	−2.4%	VBIL	Price change alone, distributions left out.
Risk
Volatility	0.1%	4.7%	VBIL	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	0.1%	3.7%	VBIL	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	0.0%	−4.9%	VBIL	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	−0.64	−0.12	VCIT	Return above Treasury bills per unit of volatility.
Sortino	−0.90	−0.16	VCIT	Return above Treasury bills per unit of downside deviation.
Calmar	Not measured	0.68		Annualized return divided by the max drawdown.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 87 weekly returns. Cash rate: the 13-week Treasury bill.

What they share

By the books each fund has filed, VBIL and VCIT hold 0% of their money in the same securities at the same weight. Holdings dated May 31, 2026 and Jun 30, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first VBIL VCIT

Only in one fund ↓

Only in VBIL

TREASURY BILL, due Jul 9, 2026 6.78%

TREASURY BILL, due Aug 6, 2026 6.10%

TREASURY BILL, due Jul 2, 2026 5.61%

TREASURY BILL, due Jul 16, 2026 5.41%

TREASURY BILL, due Jul 23, 2026 5.18%

TREASURY BILL, due Jul 14, 2026 5.17%

TREASURY BILL, due Jul 21, 2026 5.15%

TREASURY BILL, due Jul 30, 2026 5.12%

Only in VCIT

AMAZON.COM INC, due Mar 13, 2036 0.30%

BOEING CO/THE, due May 1, 2034 0.28%

META PLATFORMS, due Nov 15, 2035 0.27%

BANK OF AMER CRP, due Jul 22, 2033 0.27%

PFIZER INVSTMNT, due May 19, 2033 0.27%

ORACLE CORP, due Feb 4, 2036 0.27%

ANHEUSER-BUSCH, due Feb 1, 2036 0.27%

JPMORGAN CHASE, due Jul 25, 2033 0.25%

Check overlap with more funds →

Side by side

VBIL Vanguard 0-3 Month Treasury Bill ETF VCIT Vanguard Intermediate-Term Corporate Bond ETF

Where it sits Bond ETF Bond ETF

Issuer Vanguard Vanguard

What it is Tracks an index of 0-3 Month Treasury Bill Tracks an index of Intermediate-Term Corporate Bond

Total return, 1 year +3.7% −1.8%

Its benchmark over the same days not measured −1.8% (SCHI)

Gap to its benchmark not measured 0.0 pts vs SCHI

Expense ratio 0.06% 0.03%

Holdings 28 2340

Net assets, as of Sep 30, 2026 $12.8bn $66.6bn

VBIL and VCIT on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Client brief · page 1 of 2 Report BR-D2CCEBC709

VBIL and VCIT do different jobs. What does each one do in a portfolio?

What each follows. VBIL follows Bloomberg U.S. Treasury Bills 0-3 Months Index and VCIT follows Bloomberg U.S. 5-10 Year Corporate Bond Index.
Holdings in common. 0% of the weight is in the same securities (holdings dated Jun 30, 2026 and May 31, 2026).
One-year total return. Over 1 year to Oct 28, 2026 VBIL returned +3.7% and VCIT −1.8% with distributions reinvested, a gap of 5.5 points.

Data as of Oct 28, 2026.

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About each fund

VBIL

VBIL tracks an index of 0-3 Month Treasury Bill. Over the year to Oct 28, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.06% a year.

VCIT

VCIT tracks an index of Intermediate-Term Corporate Bond. Over the year to Oct 28, 2026 it returned −1.8% with distributions reinvested, against −1.8% for its benchmark, the Bloomberg U.S. 5-10 Year Corporate Bond Index. The prospectus expense ratio is 0.03% a year. It sat 3.2% below its high of Feb 27, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, VBIL or VCIT?: In the year to Oct 28, 2026, with distributions reinvested, VBIL returned +3.7% and VCIT −1.8%.
Which is cheaper, VBIL or VCIT?: VCIT is cheaper, by 0.03 percentage points a year. That is about $3 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

LQD vs VBIL IGIB vs VBIL AGG vs VBIL BND vs VBIL BOXX vs VCIT MINT vs VCIT VCIT vs VUSB USFR vs VCIT

Where to next

VBIL on its own →VCIT on its own →Hold both: look the portfolio through →Rankings →VBIL dividend history →VBIL holdings →VCIT dividend history →VCIT holdings →Standards and sources →

Sources and dates

VBIL filings on SEC EDGAR ↗

VBIL prospectus with the expense ratio (SEC) ↗

Vanguard page for VBIL ↗

VCIT filings on SEC EDGAR ↗

VCIT prospectus with the expense ratio (SEC) ↗

Vanguard page for VCIT ↗

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, VBIL against VCIT, data as of Oct 28, 2026. https://etfiq.com/compare/any/vbil-vs-vcit

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.