ADFI vs VTI
Anfield Dynamic Fixed Income ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | ADFI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.68% | 0.03% | |
| AUM | $50M | $663.5B | |
| Dividend Yield | 3.22% | 1.07% | |
| Holdings | 40 | 3,543 | |
| YTD Return | -1.39% | +14.96% | |
| 1Y Return | +1.21% | +22.39% | |
| 3Y Return (annualized) | +2.66% | +21.51% | |
| 5Y Return (annualized) | -0.61% | +12.36% | |
| Volatility (annualized) | 5.4% | 15.4% | |
| Max Drawdown | -18.0% | -56.6% | |
| Fund Family | Regents Park Funds, LLC | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 18, 2020 | May 24, 2001 |
ADFI vs VTI Performance
Anfield Dynamic Fixed Income ETF (ADFI) is a ETF from Regents Park Funds, LLC and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year ADFI returned +1.21% while VTI returned +22.39%. Year to date, ADFI is down 1.39% versus a gain of 14.96% for VTI.
Over three years, ADFI compounded at +2.66% per year against +21.51% for VTI; over five years the annualized figures are -0.61% and +12.36% respectively. Across the full 6-year window we track, VTI has the edge at +8.16% annualized vs -0.89%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 5.4% for ADFI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -18.0% for ADFI and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ADFI charges 1.68% per year while VTI charges 0.03%. On a $10,000 position that is $168 vs $3 annually, a gap of $165 per year that compounds over a long holding period. On income, ADFI currently yields 3.22% against 1.07% for VTI.
Holdings Overlap
ADFI and VTI share 0 holdings out of 2788 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, ADFI or VTI?
ADFI has an expense ratio of 1.68% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $165 per year of difference.
Which performed better, ADFI or VTI?
Over the past year ADFI returned +1.21% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), ADFI annualized -0.89% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, ADFI or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 5.4% for ADFI. Worst drawdown: ADFI -18.0% vs VTI -56.6%.
Should I hold both ADFI and VTI?
ADFI and VTI have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ADFI and VTI?
ADFI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, ADFI or VTI?
ADFI yields 3.22% while VTI yields 1.07%, so ADFI currently pays the higher dividend yield.
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