BENJ vs VTI
Horizon Landmark ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | BENJ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $270M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 3 | 3,543 | |
| YTD Return | +2.21% | +14.96% | |
| 1Y Return | +3.88% | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 0.5% | 15.4% | |
| Max Drawdown | -0.4% | -56.6% | |
| Fund Family | Horizon Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 22, 2025 | May 24, 2001 |
BENJ vs VTI Performance
Horizon Landmark ETF (BENJ) is a ETF from Horizon Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BENJ returned +3.88% while VTI returned +22.39%. Year to date, BENJ is up 2.21% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 0.5% for BENJ. 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 -0.4% for BENJ 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 -0.07. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BENJ charges 0.40% per year while VTI charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, BENJ currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
BENJ and VTI share 0 holdings out of 2784 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BENJ or VTI?
BENJ has an expense ratio of 0.40% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, BENJ or VTI?
Over the past year BENJ returned +3.88% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), BENJ annualized +3.87% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, BENJ or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 0.5% for BENJ. Worst drawdown: BENJ -0.4% vs VTI -56.6%.
Should I hold both BENJ and VTI?
BENJ and VTI have a monthly-return correlation of -0.07, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BENJ and VTI?
BENJ and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, BENJ or VTI?
BENJ yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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