AFIF vs VTI
Anfield Universal Fixed Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, AFIF or VTI?
Diversified Sectoral Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | AFIF | VTI |
|---|---|---|
| Expense Ratio | 0.85% | 0.03%Best |
| AUM | $301M | $690.1B |
| Dividend Yield | 3.92% | 1.03% |
| Holdings | 334 | 3,524 |
| YTD Return | -0.50% | +13.35%Best |
| 1Y Return | +0.91% | +15.92%Best |
| 3Y Return (annualized) | +5.56% | +23.41%Best |
| 5Y Return (annualized) | +3.28% | +12.83%Best |
| Volatility (annualized) | 2.9%Best | 17.3% |
| Max Drawdown | -11.3%Best | -35.0% |
| $10,000 over 5 years | $11,751 | $18,286Best |
| Fund Family | Horizon Funds | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Diversified Sectoral Bond | Large Cap Blend |
| Inception | Sep 18, 2018 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 18, 2018 to Oct 2, 2026 (8 years).
AFIF vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 8 years both funds cover.
AFIF vs VTI Performance
Anfield Universal Fixed Income ETF (AFIF) is an ETF from Horizon Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year AFIF returned +0.91% while VTI returned +15.92%. Year to date, AFIF is down 0.50% versus a gain of 13.35% for VTI.
Over three years, AFIF compounded at +5.56% per year against +23.41% for VTI; over five years the annualized figures are +3.28% and +12.83% respectively. Across the full 8-year window we track, VTI has the edge at +13.28% annualized vs +1.71%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 17.3% compared with 2.9% 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 -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.54. They move together some of the time, and apart the rest.
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 3.92% against 1.03% for VTI.
Holdings Overlap
At least 0.7% of VTI's money is in holdings AFIF also owns.
Stated as a floor: for AFIF, our book for it covers 13.9% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
The two holdings books were reported 49 days apart, AFIF as of Sep 18, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
3 positions in common, counted across the 17 positions we hold weights for in AFIF and 3,463 in VTI, against full books of 334 and 3,524.
You are not choosing between two funds in isolation.
Whichever of AFIF and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $82 a year on a $10,000 investment.
Which performed better, AFIF or VTI?
Over the past year AFIF returned +0.91% vs +15.92% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), AFIF annualized +1.71% vs +13.28% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, AFIF or VTI?
VTI has been the more volatile fund at 17.3% annualized versus 2.9% for AFIF. Worst drawdown: AFIF -11.3% vs VTI -35.0%.
Should I hold both AFIF and VTI?
AFIF and VTI have a monthly-return correlation of 0.54, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, AFIF or VTI?
AFIF yields 3.92% while VTI yields 1.03%, so AFIF currently pays the higher dividend yield.
Is VTI better than AFIF?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.