ETF Versus

LQD vs VCIT

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

Last updated: 2026-04-10

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: $30.8B ER: 0.14% Yield: 4.53% Since: Jul 22, 2002
VCIT Vanguard

Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares (VCIT) is an exchange-traded fund issued by Vanguard 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 4.73%. Launched in 2009, the fund has a 17-year track record.

AUM: $64.7B ER: 0.03% Yield: 4.73% 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. Both funds have delivered similar 1-year returns (3.9% vs 4.0%), tracking closely.

Key Metrics

Metric LQD VCIT
Expense Ratio 0.14% 0.03%
Dividend Yield 4.5% 4.7%
Fund Family iShares Vanguard
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 2022-07 2023-10 2025-01 2026-04
LQD -16.4%
VCIT -11.1%

Performance Comparison

Period LQD VCIT Difference
1 Month +0.17% -0.19% +0.36%
3 Months -1.05% -0.97% -0.08%
6 Months -2.13% -1.38% -0.75%
YTD -0.74% -0.86% +0.12%
1 Year +3.89% +4.00% -0.11%
3 Years -0.41% +3.44% -3.85%
5 Years -16.38% -11.08% -5.30%

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) $4.95 $3.93
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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