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VCIT vs VTC: Differences, Returns & Fees

On May 31, 2026 VCIT's duration was 6.0 years and VTC's 6.6; both charge 0.03%. Net assets on Sep 30, 2026: $66.6bn for Vanguard Intermediate-Term Corporate Bond ETF and $1.6bn for Vanguard Total Corporate Bond ETF.

Both cost 0.03% a year; their one-year returns differ by 0.1 points; VCIT is far larger, $66.6bn against $1.6bn.

Points (pts) are percentage points.

VCIT vs VTC: Differences, Returns & Fees
VCITVTC
Expense ratio0.03%0.03%
Net assets, as of Sep 30, 2026$66.6bn$1.6bn
Total return, 1 year−1.8%−1.9%
What it tracksBloomberg U.S. 5-10 Year Corporate Bond IndexBloomberg U.S. Corporate Bond Index
Holdings in common26%
Below its high4.4%, high on Feb 27, 20264.0%, high on Feb 27, 2026

Holdings in common uses holdings dated May 31, 2026.

−1.8%
VCIT total return, 1 year
−1.9%
VTC total return, 1 year
0.03%
VCIT expense ratio
0.03%
VTC expense ratio

What they hold in common

By the books each fund has filed, VCIT and VTC hold 26% of their money in the same securities at the same weight. Above 50%, holding both is close to holding one of them twice. Holdings dated May 31, 2026.

half

26% in common

Positions both hold, largest shared weight first
Holding VCIT VTC
GOLDMAN SACHS GP, due Apr 20, 2034 0.18% 0.14%
AMAZON.COM INC, due Mar 13, 2036 0.30% 0.12%
ANHEUSER-BUSCH, due Feb 1, 2036 0.27% 0.10%
GOLDMAN SACHS GP, due Jan 21, 2037 0.23% 0.10%
META PLATFORMS, due Nov 15, 2035 0.27% 0.10%
ORACLE CORP, due Feb 4, 2036 0.27% 0.10%
MORGAN STANLEY, due Apr 21, 2034 0.19% 0.08%
BANK OF AMER CRP, due Feb 6, 2037 0.21% 0.08%
BANK OF AMER CRP, due Jan 24, 2036 0.11% 0.07%
WELLS FARGO CO, due Jan 23, 2035 0.17% 0.07%
JPMORGAN CHASE, due Jul 23, 2036 0.23% 0.07%
WELLS FARGO CO, due Dec 3, 2035 0.13% 0.07%
Only in VCIT
CITIGROUP INC, due May 25, 2034 0.20%
US TREASURY N/B, due Apr 30, 2031 0.18%
BANK OF AMER CRP, due Feb 12, 2036 0.16%
US BANCORP, due Jan 23, 2035 0.13%
CITIGROUP INC, due Mar 27, 2036 0.12%
ROYAL BK CANADA, due Feb 1, 2033 0.12%
JPMORGAN CHASE, due Feb 5, 2037 0.11%
DUKE ENERGY CAR, due Jan 15, 2033 0.10%
Only in VTC
BANK OF AMER CRP, due Apr 23, 2030 0.20%
BANK OF AMER CRP, due Jan 24, 2029 0.14%
GOLDMAN SACHS GP, due Jan 21, 2032 0.13%
ANHEUSER-BUSCH, due Feb 1, 2046 0.10%
MORGAN STANLEY, due Nov 19, 2055 0.09%
WELLS FARGO CO, due Jan 23, 2030 0.09%
T-MOBILE USA INC, due Apr 15, 2030 0.09%
GOLDMAN SACHS GP, due Apr 22, 2032 0.09%

Check overlap with more funds →

On the same fields

VCIT
Vanguard Intermediate-Term Corporate Bond ETF
VTC
Vanguard Total Corporate Bond ETF
Where it sits Bond ETF Bond ETF
Issuer Vanguard Vanguard
What it is Tracks an index of Intermediate-Term Corporate Bond Tracks an index
Total return, 1 year −1.8% −1.9%
Its benchmark over the same days not published −1.8% (SPBO)
Gap to its benchmark not available −0.1 pts vs SPBO
Expense ratio 0.03% 0.03%
Holdings 2328 5316
Net assets, as of Sep 30, 2026 $66.6bn $1.6bn

VCIT and VTC on the fields both publish, as of Oct 9, 2026. Source: ETFIQ.

About VCIT

VCIT tracks an index of Intermediate-Term Corporate Bond. Over the year to Oct 9, 2026 it returned −1.8% with distributions reinvested. The prospectus expense ratio is 0.03% a year. It sat 4.4% below its high of Feb 27, 2026 on Oct 9, 2026.

About VTC

VTC tracks an index. Over the year to Oct 9, 2026 it returned −1.9% with distributions reinvested, against −1.8% for its benchmark, the Bloomberg U.S. Corporate Bond Index. It sat 4.0% below its high of Feb 27, 2026 on Oct 9, 2026.

Questions people ask

Which returned more over the last year, VCIT or VTC?
In the year to Oct 9, 2026, with distributions reinvested, VCIT returned −1.8% and VTC −1.9%.
Which is cheaper, VCIT or VTC?
Neither: VCIT and VTC both charge 0.03% a year. Fees come from each fund's prospectus.
Other comparisons
CORP vs VCITBSCW vs VCITIBDX vs VCITIGEB vs VCITLQD vs VTCIGIB vs VTCUSIG vs VTCUCON vs VTC
VCIT on its own →VTC on its own →Hold both: look the portfolio through →Rankings →Standards and sources →
Where these figures came from
VCIT and VTC filings on SEC EDGAR ↗VCIT and VTC prospectus with the expense ratio (SEC) ↗Vanguard page for VCIT ↗Vanguard page for VTC ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. 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, VCIT against VTC, data as of Oct 9, 2026. https://etfiq.com/compare/any/vcit-vs-vtc

Open data

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