BFIX vs VTI
Build Bond Innovation ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, BFIX or VTI?
Long Term High Quality against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y 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 | BFIX | VTI |
|---|---|---|
| Expense Ratio | 0.45% | 0.03%Best |
| AUM | $14M | $666.9B |
| Dividend Yield | 3.83% | 1.03% |
| Holdings | 118 | 3,543 |
| YTD Return | +0.04% | +12.30%Best |
| 1Y Return | +1.26% | +16.08%Best |
| 3Y Return (annualized) | +7.24% | +21.01%Best |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 3.7%Best | 15.9% |
| Max Drawdown | -8.0%Best | -22.4% |
| $10,000 over 4.6 years | $11,715 | $17,588Best |
| Fund Family | BUILD FUNDS TRUST | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term High Quality | Large Cap Blend |
| Inception | Feb 9, 2022 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.6 years row, are measured over the window both funds cover: Feb 10, 2022 to Sep 18, 2026 (4.6 years).
BFIX 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 4.6 years both funds cover.
BFIX vs VTI Performance
Build Bond Innovation ETF (BFIX) is an ETF from BUILD FUNDS TRUST and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year BFIX returned +1.26% while VTI returned +16.08%. Year to date, BFIX is up 0.04% versus a gain of 12.30% for VTI.
Over three years, BFIX compounded at +7.24% per year against +21.01% 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 15.9% compared with 3.7% for BFIX. 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 -8.0% for BFIX and -22.4% 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 0.55. They move together some of the time, and apart the rest.
Fees and Cost Over Time
BFIX charges 0.45% per year while VTI charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, BFIX currently yields 3.83% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 89 holdings in BFIX and 3,463 in VTI, totalling 31.7% and 98.1% of the two funds. That is not enough of BFIX to divide by, so no overlap percentage is shown here. Within what we can see, 1 positions appear in both.
1 positions in common, counted across the 89 positions we hold weights for in BFIX and 3,463 in VTI, against full books of 118 and 3,543.
Top Shared Holdings
| Stock | Weight in BFIX | Weight in VTI | Difference |
|---|---|---|---|
| CPTCamden Property Trust Common Stock | 0.07% | 0.02% | 0.05% |
You are not choosing between two funds in isolation.
Whichever of BFIX 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, BFIX or VTI?
BFIX has an expense ratio of 0.45% while VTI charges 0.03%. VTI is the cheaper option, by $42 a year on a $10,000 investment.
Which performed better, BFIX or VTI?
Over the past year BFIX returned +1.26% vs +16.08% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BFIX or VTI?
VTI has been the more volatile fund at 15.9% annualized versus 3.7% for BFIX. Worst drawdown: BFIX -8.0% vs VTI -22.4%.
Should I hold both BFIX and VTI?
BFIX and VTI have a monthly-return correlation of 0.55, 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, BFIX or VTI?
BFIX yields 3.83% while VTI yields 1.03%, so BFIX currently pays the higher dividend yield.
Is VTI better than BFIX?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.