AFIF vs VTI
Anfield Universal Fixed Income ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | AFIF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.03% | |
| AUM | $288M | $666.9B | |
| Dividend Yield | 3.76% | 1.07% | |
| Holdings | 326 | 3,543 | |
| YTD Return | +1.43% | +12.65% | |
| 1Y Return | +3.60% | +21.39% | |
| 3Y Return (annualized) | +6.45% | +21.54% | |
| 5Y Return (annualized) | +3.67% | +12.11% | |
| Volatility (annualized) | 2.8% | 15.3% | |
| Max Drawdown | -11.3% | -56.6% | |
| Fund Family | Horizon Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 18, 2018 | May 24, 2001 |
AFIF vs VTI Performance
Anfield Universal Fixed Income ETF (AFIF) is a ETF from Horizon Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AFIF returned +3.60% while VTI returned +21.39%. Year to date, AFIF is up 1.43% versus a gain of 12.65% for VTI.
Over three years, AFIF compounded at +6.45% per year against +21.54% for VTI; over five years the annualized figures are +3.67% and +12.11% respectively. Across the full 8-year window we track, VTI has the edge at +8.07% annualized vs +1.98%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.8% for AFIF. 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 -11.3% for AFIF 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AFIF charges 0.85% per year while VTI charges 0.03%. On a $10,000 position that is $85 vs $3 annually, a gap of $82 per year that compounds over a long holding period. On income, AFIF currently yields 3.76% against 1.07% for VTI.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, AFIF or VTI?
AFIF has an expense ratio of 0.85% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, AFIF or VTI?
Over the past year AFIF returned +3.60% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), AFIF annualized +1.98% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, AFIF or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.8% for AFIF. Worst drawdown: AFIF -11.3% vs VTI -56.6%.
Should I hold both AFIF and VTI?
AFIF and VTI have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AFIF and VTI?
AFIF and VTI share 2 common holdings with a 0.5% weight overlap. Combined, they hold 2874 unique securities.
Which pays a higher dividend, AFIF or VTI?
AFIF yields 3.76% while VTI yields 1.07%, so AFIF currently pays the higher dividend yield.
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