MYCJ vs VTI
State Street My2030 Corporate Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, MYCJ or VTI?
Investment Grade Bond against Large Cap Blend.
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 | MYCJ | VTI |
|---|---|---|
| Expense Ratio | 0.15% | 0.03%Best |
| AUM | $48M | $689.2B |
| Dividend Yield | 4.70% | 1.06% |
| Holdings | 210 | 3,524 |
| YTD Return | -0.45% | +13.48%Best |
| 1Y Return | +0.25% | +16.55%Best |
| 3Y Return (annualized) | - | +22.11% |
| 5Y Return (annualized) | - | +11.95% |
| Volatility (annualized) | 3.2%Best | 12.7% |
| Max Drawdown | -2.9%Best | -19.3% |
| $10,000 over 2.1 years | $10,580 | $13,836Best |
| 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 |
Not shown on this pair: Top 10 Weight.
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 15, 2026 (2.1 years).
MYCJ 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.
MYCJ vs VTI Performance
State Street My2030 Corporate Bond ETF (MYCJ) 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 MYCJ returned +0.25% while VTI returned +16.55%. Year to date, MYCJ is down 0.45% versus a gain of 13.48% 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 3.2% for MYCJ. 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 -2.9% for MYCJ 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
MYCJ 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, MYCJ currently yields 4.70% against 1.06% for VTI.
Holdings Overlap
At least 0.1% of VTI's money is in holdings MYCJ also owns.
Stated as a floor: for MYCJ, our book for it covers 88.8% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 181 positions we hold weights for in MYCJ and 3,441 in VTI, against full books of 210 and 3,524.
Top Shared Holdings
| Stock | Weight in MYCJ | Weight in VTI | Difference |
|---|---|---|---|
| TMUST-Mobile Usa, Inc. 3.875% 15-Apr-2030 | 1.97% | 0.11% | 1.86% |
You are not choosing between two funds in isolation.
Whichever of MYCJ 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, MYCJ or VTI?
MYCJ 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, MYCJ or VTI?
Over the past year MYCJ returned +0.25% vs +16.55% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), MYCJ annualized +2.72% vs +16.72% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, MYCJ or VTI?
VTI has been the more volatile fund at 12.7% annualized versus 3.2% for MYCJ. Worst drawdown: MYCJ -2.9% vs VTI -19.3%.
Should I hold both MYCJ and VTI?
MYCJ 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, MYCJ or VTI?
MYCJ yields 4.70% while VTI yields 1.06%, so MYCJ currently pays the higher dividend yield.
Is VTI better than MYCJ?
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.