ETF Versus

LQD vs VCIT

iShares iBoxx $ Investment Grade Corporate Bond ETF vs Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares

Last updated: 2026-04-02

LQD iShares

iShares iBoxx $ Investment Grade Corporate Bond ETF (LQD) is an exchange-traded fund issued by iShares that provides exposure to investment-grade U.S. corporate bonds. It charges a low expense ratio of 0.14%. The fund offers a high dividend yield of 4.53%. Launched in 2002, the fund has a 24-year track record.

AUM: $29.2B ER: 0.14% Yield: 4.53% Since: Jul 22, 2002

Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares (VCIT) is an exchange-traded fund that provides exposure to investment-grade U.S. corporate bonds. It charges a very low expense ratio of 0.03%. The fund offers a high dividend yield of 4.76%. Launched in 2009, the fund has a 17-year track record.

AUM: $63.3B ER: 0.03% Yield: 4.76% Since: Nov 19, 2009

Quick Verdict

VCIT is significantly cheaper at 0.03% vs 0.14% expense ratio, saving you approximately $218 per $10,000 invested over 10 years. VCIT has edged ahead over the past year (1.1% vs 0.0%).

Key Metrics

Metric LQD VCIT
Expense Ratio 0.14% 0.03%
Dividend Yield 4.5% 4.8%
Fund Family iShares N/A
Category US Investment Grade Corporate US Investment Grade Corporate

Performance Chart

Indexed to 100 at start (5-year comparison)

75 81 87 93 99 105 2021-04 2022-06 2023-09 2024-12 2026-04
LQD -16.4%
VCIT -11.1%

Performance Comparison

Period LQD VCIT Difference
1 Month -2.04% -1.93% -0.11%
3 Months -1.36% -1.46% +0.10%
6 Months -2.59% -1.83% -0.76%
YTD -1.36% -1.46% +0.10%
1 Year +0.00% +1.09% -1.09%
3 Years -1.16% +2.55% -3.71%
5 Years -16.40% -11.11% -5.29%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period LQD Fees VCIT Fees You Save
$10.000 10 years $278 $60 $218
$10.000 20 years $1.194 $258 $935
$10.000 30 years $3.841 $835 $3.005
$50.000 10 years $1.391 $299 $1.092
$50.000 30 years $19.203 $4.176 $15.027
$100.000 30 years $38.406 $8.352 $30.054

Risk Metrics

Based on 5 years of daily returns

Metric LQD VCIT
Annualized Volatility 8.7% 6.7%
Max Drawdown -27.9% -23.4%
Sharpe Ratio -0.89 -1.00

Dividend Comparison

Metric LQD VCIT
Annual Dividend (per share) $4.92 $3.90
Dividend Yield 4.53% 4.73%
Distribution Frequency Monthly Monthly

Which One Should You Choose?

Choose VCIT if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Either works if...

you just need broad us investment grade corporate exposure. Both are solid options — pick whichever your brokerage offers commission-free.

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