VCR: Vanguard Consumer Discretionary ETF

What does VCR hold?#

This fund owns shares of about 280 US companies that sell things like cars, clothes, travel, and meals out. Two very large companies make up more than a third of the fund. Its value often falls when people cut back on spending.

It tracks the MSCI US Investable Market Consumer Discretionary 25/50 Index. It had 277 holdings as of September 30, 2026, according to Vanguard.

What is the VCR expense ratio?#

VCR charges 0.09% a year. An expense ratio is the yearly fee a fund takes to run itself. On $10,000, a 0.09% fee comes to about $9 a year.

You never get a bill for it. The fund takes the fee out of its own value a little each day.

How has VCR done since 2004?#

From January 2004 to October 2026, VCR returned about 10.6% a year. Say you put in $10,000 at the start. It would have been worth about $99,113 at the end, with every dividend reinvested.

Prices through October 16, 2026. Figures use daily closing prices adjusted for splits, with dividends reinvested. They do not include taxes or the cost of buying and selling. Past results do not tell you what will happen next.

VCR returns by year#

What was VCR’s worst drop?#

A drawdown is how far a fund falls from its last high point. VCR’s worst fall was −61.5%, from June 4, 2007 to November 20, 2008. It got back to that high on February 7, 2011.

The chart shows how far below its last high the fund was on each day. Big drops are normal for some funds. They matter because selling during a drop locks in the loss.

Which Tactfolio strategies hold VCR?#

No classic strategy holds VCR yet. You can add it to your own rules in the builder and see how they would have done.

How does VCR compare with similar ETFs?#

Funds that can stand in for VCR:

• XLY: State Street Consumer Discretionary Select Sector SPDR ETF, 0.08% a year
• VUG: Vanguard Morningstar Growth ETF, 0.03% a year
• SCHG: Schwab U.S. Large-Cap Growth ETF, 0.04% a year
• SPYG: State Street SPDR Portfolio S&P 500 Growth ETF, 0.04% a year

See all 8 VCR alternatives, compared on the same dates as VCR.

Test VCR in your own rules#

Tactfolio is a platform where you build rules-based investing strategies, backtest them on decades of real prices, share them, and run them automatically in your own Alpaca account. Open the builder, add VCR, and see how a rule such as “hold it only above its 200-day average” would have done. Strategies run on daily prices and hold US stocks and ETFs only.

The details#

Prices come from Tactfolio’s stored daily prices for VCR. Each close is adjusted for splits, and dividends are reinvested on the day the fund pays them out. CAGR is the steady yearly return that turns the starting value into the ending value. Volatility is the yearly standard deviation of daily returns.

Fund facts come from Vanguard. We checked them on October 17, 2026. Read what a backtest simulates and how to read drawdown and CAGR for more on these measures.