BDBT vs VTI
Bluemonte Core Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, BDBT or VTI?
Intermediate Term 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 | BDBT | VTI |
|---|---|---|
| Expense Ratio | 0.23% | 0.03%Best |
| AUM | $485M | $666.9B |
| Dividend Yield | 3.97% | 1.03% |
| Holdings | 7 | 3,543 |
| YTD Return | -1.24% | +14.00%Best |
| 1Y Return | -0.36% | +16.88%Best |
| 3Y Return (annualized) | - | +22.75% |
| 5Y Return (annualized) | - | +12.68% |
| Volatility (annualized) | 3.2%Best | 11.6% |
| Max Drawdown | -3.4%Best | -8.9% |
| $10,000 over 1.2 years | $10,222 | $12,926Best |
| Top 10 Weight | - | 33.3% |
| Fund Family | Bluemonte Investment Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Blend |
| Inception | Jun 20, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1.2 years row, are measured over the window both funds cover: Jun 23, 2025 to Sep 21, 2026 (1.2 years).
BDBT 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 1.2 years both funds cover.
BDBT vs VTI Performance
Bluemonte Core Bond ETF (BDBT) is an ETF from Bluemonte Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year BDBT returned -0.36% while VTI returned +16.88%. Year to date, BDBT is down 1.24% versus a gain of 14.00% 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 11.6% compared with 3.2% for BDBT. 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 -3.4% for BDBT 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 0.35. They move together some of the time, and apart the rest.
Fees and Cost Over Time
BDBT charges 0.23% per year while VTI charges 0.03%. On a $10,000 position that is $23 vs $3 annually, a gap of $20 per year that compounds over a long holding period. On income, BDBT currently yields 3.97% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 6 holdings in BDBT and 3,463 in VTI, totalling 99.8% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 6 positions we hold weights for in BDBT and 3,463 in VTI, against full books of 7 and 3,543.
What only one of them owns
Our book lists 1,150 positions for VTI that do not appear in our book for BDBT (97.5% of the fund), and 6 for BDBT that do not appear in VTI (99.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of BDBT 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, BDBT or VTI?
BDBT has an expense ratio of 0.23% while VTI charges 0.03%. VTI is the cheaper option, by $20 a year on a $10,000 investment.
Which performed better, BDBT or VTI?
Over the past year BDBT returned -0.36% vs +16.88% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), BDBT annualized +1.85% vs +23.85% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BDBT or VTI?
VTI has been the more volatile fund at 11.6% annualized versus 3.2% for BDBT. Worst drawdown: BDBT -3.4% vs VTI -8.9%.
Should I hold both BDBT and VTI?
BDBT and VTI have a monthly-return correlation of 0.35, 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, BDBT or VTI?
BDBT yields 3.97% while VTI yields 1.03%, so BDBT currently pays the higher dividend yield.
Is VTI better than BDBT?
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.