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

In the year to Oct 28, 2026, with distributions reinvested, VCIT returned −1.8% and VTI +13.5%.

Which is cheaper, VCIT or VTI?

Neither: VCIT and VTI both charge 0.03% a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

VCIT vs VTI: Differences, Returns & Fees

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Over the year to Oct 28, 2026, VCIT returned −1.8% to VTI's +13.5%; 0% of their weight is in the same names.

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Net assets on Sep 30, 2026: $66.6bn for Vanguard Intermediate-Term Corporate Bond ETF and $689.2bn for Vanguard Morningstar Total Stock Market ETF.

VCIT on its own →VTI on its own →

At a glance

−1.8%

VCIT total return, 1 year

+13.5%

VTI total return, 1 year

0.03%

VCIT expense ratio

0.03%

VTI expense ratio

Pair scorecard

Both cost 0.03% a year; their one-year returns differ by 15.3 points; VTI is 10.3 times larger.

Points (pts) are percentage points.

VCIT vs VTI: Differences, Returns & Fees
Measure	VCIT	VTI
Return
Measure	VCIT	VTI
Total return, 1 year	−1.8%	+13.5%
Drawdown
Measure	VCIT	VTI
Below its high	3.2%, high on Feb 27, 2026
Benchmark
Measure	VCIT	VTI
What it tracks	Bloomberg U.S. 5-10 Year Corporate Bond Index	Morningstar US Total Market Index
Cost and size
Measure	VCIT	VTI
Expense ratio	0.03%	0.03%
Net assets, as of Sep 30, 2026	$66.6bn	$689.2bn
Holdings
Measure	VCIT	VTI
Holdings in common	0%
In the S&P 500, by weight		88%
Top ten holdings, share of the fund		34.7%

Holdings in common uses holdings dated Sep 30, 2026. Method

What they share

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

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first VCIT VTI

MKTLIQ 0.58% 0.05%

Only in one fund ↓

Only in VCIT

Amazon.com Inc 0.29%

Space Exploration Technologies Corp 0.28%

Meta Platforms Inc 0.27%

Boeing Co 0.27%

Bank of America Corp 0.27%

Pfizer Investment Enterprises Pte Ltd 0.26%

Anheuser-Busch Cos LLC / Anheuser-Busch InBev Worldwide Inc 0.26%

Space Exploration Technologies Corp 0.25%

Only in VTI

NVIDIA Corp 7.14%

Apple Inc 6.63%

Microsoft Corp 5.20%

Amazon.com Inc 3.30%

Alphabet Inc 2.76%

Broadcom Inc 2.28%

Meta Platforms Inc 2.18%

Alphabet Inc 2.18%

Check overlap with more funds →

Side by side

VCIT Vanguard Intermediate-Term Corporate Bond ETF VTI Vanguard Morningstar Total Stock Market ETF

Where it sits Bond ETF Stock ETF

Issuer Vanguard Vanguard

What it is Tracks an index of Intermediate-Term Corporate Bond Tracks an index of US total market

Total return, 1 year −1.8% +13.5%

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

Gap to its benchmark 0.0 pts vs SCHI not measured

Expense ratio 0.03% 0.03%

Holdings 2340 3521

Net assets, as of Sep 30, 2026 $66.6bn $689.2bn

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

Alert

About each fund

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.

VTI

VTI tracks an index of US total market. Over the year to Oct 28, 2026 it returned +13.5% with distributions reinvested. By its holdings published by its issuer as of Sep 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3,521 positions, with the top ten at 34.7%.

Questions people ask

Which returned more over the last year, VCIT or VTI?: In the year to Oct 28, 2026, with distributions reinvested, VCIT returned −1.8% and VTI +13.5%.
Which is cheaper, VCIT or VTI?: Neither: VCIT and VTI both charge 0.03% a year. Fees come from each fund's prospectus.

Other comparisons

VCIT vs VOO AVUS vs VCIT VCIT vs XLG GRNY vs VCIT LQD vs VTI IGIB vs VTI BND vs VTI BNDX vs VTI

Where to next

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

Sources and dates

VCIT filings on SEC EDGAR ↗

VCIT prospectus with the expense ratio (SEC) ↗

Vanguard page for VCIT ↗

VTI filings on SEC EDGAR ↗

VTI prospectus with the expense ratio (SEC) ↗

Vanguard page for VTI ↗

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

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