AVGB vs VTI
Avantis Credit 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 | AVGB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.19% | 0.03% | |
| AUM | $20M | $666.9B | |
| Dividend Yield | 3.25% | 1.07% | |
| Holdings | 160 | 3,543 | |
| YTD Return | +0.87% | +13.14% | |
| 1Y Return | +3.09% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 2.4% | 15.3% | |
| Max Drawdown | -2.1% | -56.6% | |
| Fund Family | Avantis Investors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 15, 2025 | May 24, 2001 |
AVGB vs VTI Performance
Avantis Credit ETF (AVGB) is a ETF from Avantis Investors and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AVGB returned +3.09% while VTI returned +22.35%. Year to date, AVGB is up 0.87% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.4% 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 -2.1% for AVGB 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 0.61. They move independently enough that combining them can meaningfully diversify a portfolio.
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 1.07% for VTI.
Holdings Overlap
AVGB and VTI share 1 holdings out of 2878 unique holdings combined, representing a 0.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in AVGB | Weight in VTI | Difference |
|---|---|---|---|
| GE | 0.54% | 0.54% | 0.00% |
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. On a $10,000 investment, that is $16 per year of difference.
Which performed better, AVGB or VTI?
Over the past year AVGB returned +3.09% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), AVGB annualized +4.85% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, AVGB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.4% for AVGB. Worst drawdown: AVGB -2.1% vs VTI -56.6%.
Should I hold both AVGB and VTI?
AVGB and VTI have a monthly-return correlation of 0.61, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AVGB and VTI?
AVGB and VTI share 1 common holdings with a 0.5% weight overlap. Combined, they hold 2878 unique securities.
Which pays a higher dividend, AVGB or VTI?
AVGB yields 3.25% while VTI yields 1.07%, so AVGB currently pays the higher dividend yield.
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