MYCH vs. VCIT

Last updated Jun 24, 2026

MYCH (State Street My2028 Corporate Bond ETF) and VCIT (Vanguard Intermediate-Term Corporate Bond ETF) are both Corporate Bonds funds. MYCH is actively managed, while VCIT is passively managed. Over the past year, MYCH returned 4.12% vs 5.17% for VCIT. Their correlation of 0.88 suggests significant overlap in exposure. MYCH charges 0.15%/yr vs 0.03%/yr for VCIT.

Performance

MYCH vs. VCIT - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in State Street My2028 Corporate Bond ETF (MYCH) and Vanguard Intermediate-Term Corporate Bond ETF (VCIT). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, MYCH achieves a 0.80% return, which is significantly higher than VCIT's 0.31% return.

MYCH

• 1D: 0.08%
• 1M: 0.31%
• YTD: 0.80%
• 6M: 1.07%
• 1Y: 4.12%
• 3Y*: —
• 5Y*: —
• 10Y*: —

VCIT

• 1D: 0.10%
• 1M: 0.60%
• YTD: 0.31%
• 6M: 0.47%
• 1Y: 5.17%
• 3Y*: 6.09%
• 5Y*: 1.14%
• 10Y*: 2.87%

*Multi-year figures are annualized to reflect compound growth (CAGR)

MYCH vs. VCIT - Yearly Performance Comparison

	2026 (YTD)	2025	2024
MYCH State Street My2028 Corporate Bond ETF	0.80%	7.08%	-1.00%
VCIT Vanguard Intermediate-Term Corporate Bond ETF	0.31%	9.34%	-2.84%

Correlation

The correlation between MYCH and VCIT is 0.85, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.85
Correlation (All Time) Calculated using the full available price history since Sep 24, 2024	0.88

The correlation between MYCH and VCIT has been stable across timeframes, ranging from 0.85 to 0.88 - a consistent structural relationship.

Return for Risk

MYCH vs. VCIT — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

MYCH

MYCH Risk / Return Rank: 88
MYCH Sharpe Ratio Rank: 88
MYCH Sortino Ratio Rank: 93
MYCH Omega Ratio Rank: 92
MYCH Calmar Ratio Rank: 80
MYCH Martin Ratio Rank: 85

VCIT

VCIT Risk / Return Rank: 37
VCIT Sharpe Ratio Rank: 37
VCIT Sortino Ratio Rank: 38
VCIT Omega Ratio Rank: 35
VCIT Calmar Ratio Rank: 36
VCIT Martin Ratio Rank: 37

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

MYCH vs. VCIT - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for State Street My2028 Corporate Bond ETF (MYCH) and Vanguard Intermediate-Term Corporate Bond ETF (VCIT). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	MYCH	VCIT	Difference
Sharpe ratio: Return per unit of total volatility	2.59	1.27	+1.32
Sortino ratio: Return per unit of downside risk	4.21	1.88	+2.33
Omega ratio: Gain probability vs. loss probability	1.56	1.23	+0.33
Calmar ratio: Return relative to maximum drawdown	3.78	1.76	+2.03
Martin ratio: Return relative to average drawdown	16.13	5.56	+10.57

MYCH vs. VCIT - Sharpe Ratio Comparison

The current MYCH Sharpe Ratio is 2.59, which is higher than the VCIT Sharpe Ratio of 1.27. The chart below compares the historical Sharpe Ratios of MYCH and VCIT, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

MYCH vs. VCIT - Drawdown Comparison

The maximum MYCH drawdown since its inception was -1.54%, smaller than the maximum VCIT drawdown of -20.56%. Use the drawdown chart below to compare losses from any high point for MYCH and VCIT.

Drawdown Indicators

	MYCH	VCIT	Difference
Max Drawdown Largest peak-to-trough decline	-1.54%	-20.56%	+19.02%
Max Drawdown (1Y) Largest decline over 1 year	-1.09%	-2.96%	+1.87%
Max Drawdown (3Y) Largest decline over 3 years	—	-6.11%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-20.56%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-20.56%	—
Current Drawdown Current decline from peak	-0.16%	-1.22%	+1.06%
Average Drawdown Average peak-to-trough decline	-0.32%	-3.15%	+2.83%
Ulcer Index Depth and duration of drawdowns from previous peaks	0.26%	0.93%	-0.67%

Volatility

MYCH vs. VCIT - Volatility Comparison

The current volatility for State Street My2028 Corporate Bond ETF (MYCH) is 0.56%, while Vanguard Intermediate-Term Corporate Bond ETF (VCIT) has a volatility of 1.24%. This indicates that MYCH experiences smaller price fluctuations and is considered to be less risky than VCIT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	MYCH	VCIT	Difference
Volatility (1M) Calculated over the trailing 1-month period	0.56%	1.24%	-0.68%
Volatility (6M) Calculated over the trailing 6-month period	1.16%	3.17%	-2.01%
Volatility (1Y) Calculated over the trailing 1-year period	1.61%	4.10%	-2.49%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	2.15%	6.62%	-4.47%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	2.15%	6.29%	-4.14%

MYCH vs. VCIT - Expense Ratio Comparison

MYCH has a 0.15% expense ratio, which is higher than VCIT's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

MYCH vs. VCIT - Dividend Comparison

MYCH's dividend yield for the trailing twelve months is around 4.39%, less than VCIT's 4.80% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
MYCH State Street My2028 Corporate Bond ETF	4.39%	4.52%	1.16%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VCIT Vanguard Intermediate-Term Corporate Bond ETF	4.80%	4.62%	4.43%	3.72%	3.03%	2.87%	2.78%	3.37%	3.61%	3.21%	3.29%	3.34%

Frequently Asked Questions

Can I hold both MYCH and VCIT in my portfolio?

MYCH and VCIT have a correlation of 0.85, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, MYCH or VCIT?

VCIT has higher volatility (1.24%) compared to MYCH (0.56%). In terms of maximum drawdown, MYCH dropped -1.54% vs VCIT's -20.56%.

Which ETF is better, MYCH or VCIT?

On 1-year performance, VCIT leads with 5.17% vs 4.12% for MYCH. On fees, VCIT is cheaper at 0.03% per year. On volatility, MYCH has been the lower-risk option at 0.56%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, MYCH or VCIT?

Over the 1-year period, VCIT has performed better with a 5.17% return vs 4.12%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, MYCH or VCIT?

VCIT is cheaper with a 0.03% expense ratio, compared with 0.15% for MYCH.

Which ETF pays a higher dividend yield, MYCH or VCIT?

VCIT has the higher dividend yield at 4.80%, compared with 4.39% for MYCH.

What is the main difference between MYCH and VCIT?

They also come from different issuers: State Street and Vanguard. Their fees differ too: 0.15% for MYCH and 0.03% for VCIT.

Which has better risk-adjusted returns?

MYCH currently has the higher Sharpe Ratio (2.59 vs 1.27), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.