AVGB vs VTI
Avantis Credit ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, AVGB or VTI?
Investment Grade Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y 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 | AVGB | VTI |
|---|---|---|
| Expense Ratio | 0.19% | 0.03%Best |
| AUM | $64M | $690.1B |
| Dividend Yield | 3.25% | 1.03% |
| Holdings | 321 | 3,524 |
| YTD Return | -0.56% | +14.72%Best |
| 1Y Return | +0.41% | +16.82%Best |
| 3Y Return (annualized) | - | +22.93% |
| 5Y Return (annualized) | - | +12.78% |
| Volatility (annualized) | 2.7%Best | 11.7% |
| Max Drawdown | -2.4%Best | -8.9% |
| $10,000 over 1.5 years | $10,517 | $15,164Best |
| Fund Family | Avantis Investors | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Investment Grade Bond | Large Cap Blend |
| Inception | Apr 15, 2025 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Apr 17, 2025 to Oct 6, 2026 (1.5 years).
AVGB 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 1.5 years both funds cover.
AVGB vs VTI Performance
Avantis Credit ETF (AVGB) is an ETF from Avantis Investors and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year AVGB returned +0.41% while VTI returned +16.82%. Year to date, AVGB is down 0.56% versus a gain of 14.72% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 11.7% compared with 2.7% for AVGB. 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 -2.4% for AVGB and -8.9% 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 0.61. They move together some of the time, and apart the rest.
Fees and Cost Over Time
AVGB charges 0.19% per year while VTI charges 0.03%. On a $10,000 position that is $19 vs $3 annually, a gap of $16 per year that compounds over a long holding period. On income, AVGB currently yields 3.25% against 1.03% for VTI.
Holdings Overlap
At least 0.5% of VTI's money is in holdings AVGB also owns.
Stated as a floor: for AVGB, our book for it covers 58.5% 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 47 days apart, AVGB as of Sep 16, 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.
1 positions in common, counted across the 93 positions we hold weights for in AVGB and 3,463 in VTI, against full books of 321 and 3,524.
Top Shared Holdings
| Stock | Weight in AVGB | Weight in VTI | Difference |
|---|---|---|---|
| GEGeneral Electric Co 6.75% 03/15/2032 | 0.48% | 0.52% | 0.04% |
You are not choosing between two funds in isolation.
Whichever of AVGB 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, AVGB or VTI?
AVGB has an expense ratio of 0.19% while VTI charges 0.03%. VTI is the cheaper option, by $16 a year on a $10,000 investment.
Which performed better, AVGB or VTI?
Over the past year AVGB returned +0.41% vs +16.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), AVGB annualized +3.42% vs +31.99% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, AVGB or VTI?
VTI has been the more volatile fund at 11.7% annualized versus 2.7% for AVGB. Worst drawdown: AVGB -2.4% vs VTI -8.9%.
Should I hold both AVGB and VTI?
AVGB and VTI have a monthly-return correlation of 0.61, 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, AVGB or VTI?
AVGB yields 3.25% while VTI yields 1.03%, so AVGB currently pays the higher dividend yield.
Is VTI better than AVGB?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.