VTC vs. MYCF

Last updated Jun 4, 2026

VTC (Vanguard Total Corporate Bond ETF) and MYCF (State Street My2026 Corporate Bond ETF) are both Corporate Bonds funds. VTC is passively managed, while MYCF is actively managed. Over the past year, VTC returned 5.99% vs 4.60% for MYCF. At a 0.44 correlation, their price movements are largely independent. VTC charges 0.04%/yr vs 0.15%/yr for MYCF.

Performance

VTC vs. MYCF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Total Corporate Bond ETF (VTC) and State Street My2026 Corporate Bond ETF (MYCF). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, VTC achieves a 0.60% return, which is significantly lower than MYCF's 1.63% return.

VTC

• 1D: -0.22%
• 1M: 0.63%
• YTD: 0.60%
• 6M: 0.33%
• 1Y: 5.99%
• 3Y*: 5.22%
• 5Y*: 0.51%
• 10Y*: —

MYCF

• 1D: 0.04%
• 1M: 0.41%
• YTD: 1.63%
• 6M: 2.04%
• 1Y: 4.60%
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

VTC vs. MYCF - Yearly Performance Comparison

	2026 (YTD)	2025	2024
VTC Vanguard Total Corporate Bond ETF	0.60%	7.58%	-3.37%
MYCF State Street My2026 Corporate Bond ETF	1.63%	5.12%	0.74%

Correlation

The correlation between VTC and MYCF is 0.32, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.32
Correlation (All Time) Calculated using the full available price history since Sep 25, 2024	0.44

The correlation between VTC and MYCF shifts across timeframes, from 0.32 (1 year) to 0.44 (all time), reflecting how their relationship changes across market environments.

Return for Risk

VTC vs. MYCF — Risk / Return Rank

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

VTC

VTC Risk / Return Rank: 39
VTC Sharpe Ratio Rank: 38
VTC Sortino Ratio Rank: 38
VTC Omega Ratio Rank: 35
VTC Calmar Ratio Rank: 41
VTC Martin Ratio Rank: 41

MYCF

MYCF Risk / Return Rank: 99
MYCF Sharpe Ratio Rank: 99
MYCF Sortino Ratio Rank: 99
MYCF Omega Ratio Rank: 99
MYCF Calmar Ratio Rank: 99
MYCF Martin Ratio Rank: 99

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.

VTC vs. MYCF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Total Corporate Bond ETF (VTC) and State Street My2026 Corporate Bond ETF (MYCF). 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.

	VTC	MYCF	Difference
Sharpe ratio: Return per unit of total volatility	1.38	6.98	-5.60
Sortino ratio: Return per unit of downside risk	2.02	13.23	-11.20
Omega ratio: Gain probability vs. loss probability	1.24	3.22	-1.98
Calmar ratio: Return relative to maximum drawdown	2.09	38.53	-36.44
Martin ratio: Return relative to average drawdown	6.63	164.09	-157.46
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

VTC vs. MYCF - Sharpe Ratio Comparison

The current VTC Sharpe Ratio is 1.38, which is lower than the MYCF Sharpe Ratio of 6.98. The chart below compares the historical Sharpe Ratios of VTC and MYCF, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	VTC	MYCF	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.38	6.98	-5.60
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.07	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.32	4.12	-3.81

Drawdowns

VTC vs. MYCF - Drawdown Comparison

The maximum VTC drawdown since its inception was -22.05%, which is greater than MYCF's maximum drawdown of -0.60%. Use the drawdown chart below to compare losses from any high point for VTC and MYCF.

Drawdown Indicators

	VTC	MYCF	Difference
Max Drawdown Largest peak-to-trough decline	-22.05%	-0.60%	-21.45%
Max Drawdown (1Y) Largest decline over 1 year	-2.88%	-0.12%	-2.76%
Max Drawdown (3Y) Largest decline over 3 years	-6.46%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-22.05%	—	—
Current Drawdown Current decline from peak	-0.99%	0.00%	-0.99%
Average Drawdown Average peak-to-trough decline	-5.84%	-0.03%	-5.81%
Ulcer Index Depth and duration of drawdowns from previous peaks	0.90%	0.03%	+0.87%

Volatility

VTC vs. MYCF - Volatility Comparison

Vanguard Total Corporate Bond ETF (VTC) has a higher volatility of 1.43% compared to State Street My2026 Corporate Bond ETF (MYCF) at 0.15%. This indicates that VTC's price experiences larger fluctuations and is considered to be riskier than MYCF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	VTC	MYCF	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.43%	0.15%	+1.28%
Volatility (6M) Calculated over the trailing 6-month period	3.22%	0.43%	+2.79%
Volatility (1Y) Calculated over the trailing 1-year period	4.37%	0.66%	+3.71%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	7.08%	1.09%	+5.99%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	7.68%	1.09%	+6.59%

VTC vs. MYCF - Expense Ratio Comparison

VTC has a 0.04% expense ratio, which is lower than MYCF's 0.15% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

VTC vs. MYCF - Dividend Comparison

VTC's dividend yield for the trailing twelve months is around 4.93%, more than MYCF's 4.40% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017
MYCF State Street My2026 Corporate Bond ETF	4.40%	4.50%	1.21%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VTC Vanguard Total Corporate Bond ETF	4.93%	4.76%	4.50%	3.80%	3.13%	2.36%	2.69%	3.34%	3.53%	0.55%

Frequently Asked Questions

Can I hold both VTC and MYCF in my portfolio?

VTC and MYCF have a correlation of 0.32, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, VTC or MYCF?

VTC has higher volatility (1.43%) compared to MYCF (0.15%). In terms of maximum drawdown, VTC dropped -22.05% vs MYCF's -0.60%.

Which ETF is better, VTC or MYCF?

On 1-year performance, VTC leads with 5.99% vs 4.60% for MYCF. On fees, VTC is cheaper at 0.04% per year. On volatility, MYCF has been the lower-risk option at 0.15%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, VTC or MYCF?

Over the 1-year period, VTC has performed better with a 5.99% return vs 4.60%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, VTC or MYCF?

VTC is cheaper with a 0.04% expense ratio, compared with 0.15% for MYCF.

Which ETF pays a higher dividend yield, VTC or MYCF?

VTC has the higher dividend yield at 4.93%, compared with 4.40% for MYCF.

What is the main difference between VTC and MYCF?

They also come from different issuers: Vanguard and State Street. Their fees differ too: 0.04% for VTC and 0.15% for MYCF.

Which has better risk-adjusted returns?

MYCF currently has the higher Sharpe Ratio (6.98 vs 1.38), 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.