GUDB vs VTI
Sage ESG Intermediate Term ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, GUDB or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | GUDB | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $7M | $689.2B |
| Dividend Yield | 7.52% | 1.06% |
| Holdings | 1 | 3,524 |
| Volatility (annualized) | 4.5%Best | 19.2% |
| Max Drawdown | -14.6%Best | -35.0% |
| $10,000 over 3.2 years | $11,520 | $14,736Best |
| Fund Family | Sage | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Oct 31, 2017 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 2116 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. GUDB has data through Dec 28, 2020 and VTI through Oct 14, 2026.
Volatility and max drawdown, and the $10,000 over 3.2 years row, are measured over the window both funds cover: Oct 31, 2017 to Dec 28, 2020 (3.2 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 19.2% compared with 4.5% for GUDB. 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 -14.6% for GUDB and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.55. They move together some of the time, and apart the rest.
Fees and Cost Over Time
GUDB charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, GUDB currently yields 7.52% against 1.06% for VTI.
You are not choosing between two funds in isolation.
Whichever of GUDB and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, GUDB or VTI?
GUDB has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which is riskier, GUDB or VTI?
VTI has been the more volatile fund at 19.2% annualized versus 4.5% for GUDB. Worst drawdown: GUDB -14.6% vs VTI -35.0%.
Should I hold both GUDB and VTI?
GUDB and VTI have a monthly-return correlation of 0.55, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, GUDB or VTI?
GUDB yields 7.52% while VTI yields 1.06%, so GUDB currently pays the higher dividend yield.
Is VTI better than GUDB?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.