MYCG vs VTI
State Street My2027 Corporate Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, MYCG or VTI?
Investment Grade Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. MYCG is less concentrated, with 20.4% of the fund in its ten largest positions against 33.5%.
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 | MYCG | VTI |
|---|---|---|
| Expense Ratio | 0.15% | 0.03%Best |
| AUM | $45M | $689.2B |
| Dividend Yield | 4.28% | 1.06% |
| Holdings | 371 | 3,524 |
| YTD Return | +2.54% | +13.02%Best |
| 1Y Return | +3.43% | +16.63%Best |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 1.0%Best | 12.7% |
| Max Drawdown | -0.9%Best | -19.3% |
| $10,000 over 2.1 years | $10,889 | $13,786Best |
| Top 10 Weight | 20.4%Best | 33.5% |
| Fund Family | State Street Investment Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Investment Grade Bond | Large Cap Blend |
| Inception | Sep 23, 2024 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 2.1 years row, are measured over the window both funds cover: Sep 24, 2024 to Oct 14, 2026 (2.1 years).
MYCG vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 2.1 years both funds cover.
MYCG vs VTI Performance
State Street My2027 Corporate Bond ETF (MYCG) is an ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year MYCG returned +3.43% while VTI returned +16.63%. Year to date, MYCG is up 2.54% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.7% compared with 1.0% for MYCG. 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 -0.9% for MYCG and -19.3% 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 0.38. They move together some of the time, and apart the rest.
Fees and Cost Over Time
MYCG charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, MYCG currently yields 4.28% against 1.06% for VTI.
Holdings Overlap
We hold position weights for 180 holdings in MYCG and 3,441 in VTI, totalling 97.6% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 180 positions we hold weights for in MYCG and 3,441 in VTI, against full books of 371 and 3,524.
What only one of them owns
Our book lists 1,152 positions for VTI that do not appear in our book for MYCG (97.6% of the fund), and 176 for MYCG that do not appear in VTI (97.6%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of MYCG 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, MYCG or VTI?
MYCG has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option, by $12 a year on a $10,000 investment.
Which performed better, MYCG or VTI?
Over the past year MYCG returned +3.43% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), MYCG annualized +4.14% vs +16.52% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, MYCG or VTI?
VTI has been the more volatile fund at 12.7% annualized versus 1.0% for MYCG. Worst drawdown: MYCG -0.9% vs VTI -19.3%.
Should I hold both MYCG and VTI?
MYCG and VTI have a monthly-return correlation of 0.38, 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, MYCG or VTI?
MYCG yields 4.28% while VTI yields 1.06%, so MYCG currently pays the higher dividend yield.
Is VTI better than MYCG?
VTI has a lower expense ratio. VTI led over 1Y and the full window. MYCG is less concentrated, with 20.4% of the fund in its ten largest positions against 33.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.