USIN vs VGIT: Grades, Fees and Holdings Compared

WisdomTree 7-10 Year Laddered Treasury Fund

USINCNasdaq

Vanguard Intermediate-Term Treasury ETF

VGITANasdaq

Overlap

No data

Expense ratio

VGIT −0.12pt a year

USIN0.15%VGIT0.03%

Avg volume · 30D

VGIT 3503.9×the volume

USIN1.38KVGIT4.84M

USIN vs VGIT Performance

Oct 31, 2025 – Oct 30, 2026

−1.6%USIN−0.2%VGIT

Expense ratio: USIN 0.15%; VGIT 0.03%, better
Fund size: USIN $6M; VGIT $47.8B
1Y total return: USIN −1.6%; VGIT −0.2%, better
Yield (12M): USIN 4.16%, better; VGIT 3.97%
Holdings: USIN 14; VGIT 105
Avg volume (30D): USIN 1.38K sh; VGIT 4.84M sh, better
NAV per share: USIN $48.08; VGIT $57.72
52W range

ETF.net Grade

Pillar letters and Scores for USIN, VGIT, with each pillar’s weight
Pillar	USIN	VGIT
Cost30% weight	D28	A92Higher
Mission25% weight	A98	A100Higher
Risk15% weight	D32	B61Higher
Tradability15% weight	C42	B66Higher
Holdings10% weight	B66	A87Higher
Durability5% weight	F22	A95Higher

Rank among Treasuries (3-10 Year) funds

How we build Categories ›

Same Category. USIN and VGIT are both graded against the same 19 Treasuries (3-10 Year) funds, so their Grades compare head to head.

Treasuries (3-10 Year)⁠

Category · 19 funds

See all 19 ›

VGIT ranks 1st and USIN 14th of 19 funds in the Treasuries (3-10 Year) Category.

Rank 1ASPTIState Street SPDR Portfolio Intermediate Term Treasury ETFScore 84
Rank 1AVGITVanguard Intermediate-Term Treasury ETFScore 84
Rank 3ASCHRSchwab Intermediate-Term U.S. Treasury ETFScore 82
Rank 13CUTREUS Treasury 3 Year Note ETFScore 54
Rank 14CUSINWisdomTree 7-10 Year Laddered Treasury FundScore 51
Rank 14CUSVNUS Treasury 7 Year Note ETFScore 51

Our read on each fund

ETF.net Research

USINCWisdomTree 7-10 Year Laddered Treasury Fund

VGITAVanguard Intermediate-Term Treasury ETF

In short

USIN Most intermediate Treasury funds hold one cap-weighted lump of the curve. USIN tracks a laddered 7-10 year Treasury index instead, structuring exposure across maturity rungs, and pays monthly.

VGIT The middle of the Treasury curve, priced like an afterthought. VGIT holds government bonds maturing in 3 to 10 years for 0.03% a year, a quarter of what the typical Treasury fund in its peer group charges.

Stated mandate

USIN The Fund seeks to track the price and yield performance of the Bloomberg US Treasury 7-10 Year Laddered Index before fees and expenses.

VGIT Seeks to track a market-weighted Treasury bond index while maintaining an intermediate-term dollar-weighted average maturity.

Why people hold it

USIN Does the job on the label: closely tracks the Bloomberg US Treasury 7-10 Year Laddered Index, US government paper only, no corporate credit or foreign bonds.
The ladder is the point. Rather than a single cap-weighted slice of 7-10 year notes, the index spreads exposure across maturity rungs.
Distributions come monthly, not quarterly.

VGIT Charges 0.03% a year against a 0.12% median for Treasury funds in its peer group. In bonds, where the coupon does the work, that fee gap is most of the argument.
Plain index work: it follows the Bloomberg U.S. Treasury 3-10 Year Bond Index with very little slippage, one of the tighter implementations in its Treasury peer group.vanguard.com
Running since 2009 and now a multi-billion-dollar fund that trades actively, so spreads stay tight. Interest lands monthly.
The portfolio is U.S. government paper only, a few dozen issues. No corporate borrowers to underwrite, no credit research required.vanguard.com

Worth knowing

USIN The 0.15% fee sits at the category midpoint, but the cheapest intermediate Treasury trackers (SPTI, SCHR) charge 0.03% for plainer exposure.
A small fund that trades thinly. Spreads can be wider than at the category's giants, so limit orders do more work here.
Launched in 2024, so there is no long record across a full rate cycle to lean on.

VGIT Intermediate maturities cut both ways. A 3 to 10 year book reprices more when yields move than a bill fund does, so the ride is bumpier than cash-like Treasury products.
Treasuries only means no corporate credit premium in the yield. Income comes strictly from government coupons, and the monthly payout drifts with rates.

Full USIN profile⁠

Full VGIT profile⁠

USIN vs VGIT Holdings

How USIN and VGIT differ

No overlap figure

Two bond funds rarely hold the same issues.

Level by level

Asset classFixed Income100%
Countryby domicile100%
Sector1 Sector100%

Sector

Sector weights in USIN and VGIT, widest gap first
Sector	More in USINMore in VGIT	USIN	VGIT
Government	Same weight	100.0%	100.0%

Country, concentration and asset class

Country by domicile

Country weights in USIN and VGIT, widest gap first
Country	More in USINMore in VGIT	USIN	VGIT
United States	Same weight	100.0%	100.0%

Concentration

Weight in the 10 largest Holdings

USIN82.5%
VGIT18.4%

Securities held

USIN12
VGIT102

Asset class

USIN: Fixed Income
VGIT: Fixed Income

Holdings

Two bond funds rarely hold the same issues, so this page lists no shared Holdings. USIN holds 12 securities, VGIT 102.

All 14 USIN holdings⁠All 76 VGIT holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

USIN vs VGIT Cost

Overpaying USIN vs VGIT

$2,499

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

USIN 0.15%
$3,137
VGIT 0.03%
$638

Amount$10,000

Years30 years

Cost over time

USIN 0.15%
VGIT 0.03%
Overpaying

Year by year

Year	USIN	VGIT	Overpaying
10	$274	$55	$219
20	$1,071	$216	$855
30	$3,137	$638	$2,499

Expense ratio

0.15%USIN
0.03%VGIT, cheaper

VGIT0.03%USIN0.15%

0.03%0.39%

Middle half of Treasuries (3-10 Year) funds
Median 0.12%

VGIT cheapest of 19 funds

USIN 11th cheapest of 19 funds

USIN vs VGIT Dividends

Last 12 months to Oct 30, 2026

Yield (12M): USIN 4.16%, better; VGIT 3.97%
Payout (12M): USIN $2.00; VGIT $2.29
Last payment: USIN $0.18; VGIT $0.19
Ex-dividend: USIN Oct 27, 2026; VGIT Oct 1, 2026
Paid on: USIN Oct 29, 2026; VGIT Oct 5, 2026
Frequency: USIN Monthly; VGIT Monthly

Distribution history

Per share, 2023 to 2026, same scale for both

USINMonthly · 32 paymentsAll USIN payments⁠

VGITMonthly · 45 paymentsAll VGIT payments⁠

USIN vs VGIT Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years: USIN 6.1%since Apr 2024VGIT 4.7%
Return per unit of riskSharpe ratio, 3 years: USIN −0.26since Apr 2024VGIT 0.02
Worst fallMax drawdown, 5 years: USIN −6.9%since Mar 2024VGIT −13.8%
Market sensitivityBeta, 5 years: USIN 0.14VGIT 0.78; Market = 1

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