USIN vs. VGIT
USIN (WisdomTree 7-10 Year Laddered Treasury Fund) and VGIT (Vanguard Intermediate-Term Treasury ETF) are both Government Bonds funds - USIN tracks the Bloomberg US Treasury 7-10 Year Laddered Index while VGIT tracks the Bloomberg U.S. Treasury 3-10 Year Index. Both are passively managed. Over the past year, USIN returned 4.04% vs 3.54% for VGIT. With a 0.98 correlation, they move nearly in lockstep. USIN charges 0.15%/yr vs 0.03%/yr for VGIT.
Performance
USIN vs. VGIT - Performance Comparison
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Returns By Period
In the year-to-date period, USIN achieves a -0.70% return, which is significantly lower than VGIT's -0.46% return.
USIN
- 1D
- -0.24%
- 1M
- -0.11%
- YTD
- -0.70%
- 6M
- -1.21%
- 1Y
- 4.04%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
VGIT
- 1D
- -0.19%
- 1M
- -0.16%
- YTD
- -0.46%
- 6M
- -0.60%
- 1Y
- 3.54%
- 3Y*
- 3.40%
- 5Y*
- 0.05%
- 10Y*
- 1.23%
USIN vs. VGIT - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | |
|---|---|---|---|
USIN WisdomTree 7-10 Year Laddered Treasury Fund | -0.70% | 7.97% | 1.59% |
VGIT Vanguard Intermediate-Term Treasury ETF | -0.46% | 7.34% | 2.77% |
Correlation
The correlation between USIN and VGIT is 0.98 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.98 |
Correlation (All Time) Calculated using the full available price history since Mar 15, 2024 | 0.98 |
The correlation between USIN and VGIT has been stable across timeframes, ranging from 0.98 to 0.98 - a consistent structural relationship.
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Return for Risk
USIN vs. VGIT — Risk / Return Rank
USIN
VGIT
USIN vs. VGIT - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for WisdomTree 7-10 Year Laddered Treasury Fund (USIN) and Vanguard Intermediate-Term Treasury ETF (VGIT). 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.
| USIN | VGIT | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.19 | ||
| Sortino ratioReturn per unit of downside risk | -0.31 | ||
| Omega ratioGain probability vs. loss probability | 1.15 | 1.18 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | 0.99 | 1.25 | -0.26 |
| Martin ratioReturn relative to average drawdown | 2.96 | 3.75 | -0.79 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| USIN | VGIT | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.86 | 1.05 | -0.19 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | — | 0.01 | — |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.27 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.67 | 0.49 | +0.18 |
Drawdowns
USIN vs. VGIT - Drawdown Comparison
The maximum USIN drawdown since its inception was -6.88%, smaller than the maximum VGIT drawdown of -16.05%. Use the drawdown chart below to compare losses from any high point for USIN and VGIT.
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Drawdown Indicators
| USIN | VGIT | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -6.88% | -16.05% | +9.17% |
Max Drawdown (1Y)Largest decline over 1 year | -4.09% | -2.83% | -1.26% |
Max Drawdown (3Y)Largest decline over 3 years | — | -4.34% | — |
Max Drawdown (5Y)Largest decline over 5 years | — | -15.02% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -16.05% | — |
Current DrawdownCurrent decline from peak | -2.85% | -2.39% | -0.46% |
Average DrawdownAverage peak-to-trough decline | -1.86% | -3.52% | +1.66% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.37% | 0.94% | +0.43% |
Volatility
USIN vs. VGIT - Volatility Comparison
WisdomTree 7-10 Year Laddered Treasury Fund (USIN) has a higher volatility of 1.52% compared to Vanguard Intermediate-Term Treasury ETF (VGIT) at 1.05%. This indicates that USIN's price experiences larger fluctuations and is considered to be riskier than VGIT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USIN | VGIT | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.52% | 1.05% | +0.47% |
Volatility (6M)Calculated over the trailing 6-month period | 3.30% | 2.33% | +0.97% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.74% | 3.38% | +1.36% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.86% | 5.38% | +0.48% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.86% | 4.50% | +1.36% |
USIN vs. VGIT - Expense Ratio Comparison
USIN has a 0.15% expense ratio, which is higher than VGIT'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
USIN vs. VGIT - Dividend Comparison
USIN's dividend yield for the trailing twelve months is around 3.98%, more than VGIT's 3.87% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USIN WisdomTree 7-10 Year Laddered Treasury Fund | 3.98% | 3.85% | 3.25% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VGIT Vanguard Intermediate-Term Treasury ETF | 3.87% | 3.79% | 3.67% | 2.73% | 1.74% | 1.69% | 2.23% | 2.24% | 2.05% | 1.67% | 1.69% | 1.69% |
Frequently Asked Questions
With a correlation of 0.98, USIN and VGIT move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
USIN has higher volatility (1.52%) compared to VGIT (1.05%). In terms of maximum drawdown, USIN dropped -6.88% vs VGIT's -16.05%.
On 1-year performance, USIN leads with 4.04% vs 3.54% for VGIT. On fees, VGIT is cheaper at 0.03% per year. On volatility, VGIT has been the lower-risk option at 1.05%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 1-year period, USIN has performed better with a 4.04% return vs 3.54%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
VGIT is cheaper with a 0.03% expense ratio, compared with 0.15% for USIN.
USIN has the higher dividend yield at 3.98%, compared with 3.87% for VGIT.
USIN tracks Bloomberg US Treasury 7-10 Year Laddered Index, while VGIT tracks Bloomberg U.S. Treasury 3-10 Year Index. They also come from different issuers: WisdomTree and Vanguard. Their fees differ too: 0.15% for USIN and 0.03% for VGIT.
VGIT currently has the higher Sharpe Ratio (1.05 vs 0.86), 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.
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