BFIX vs VTI
Build Bond Innovation 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 | BFIX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.03% | |
| AUM | $14M | $663.5B | |
| Dividend Yield | 3.88% | 1.07% | |
| Holdings | 116 | 3,543 | |
| YTD Return | +0.69% | +14.20% | |
| 1Y Return | +2.92% | +24.16% | |
| 3Y Return (annualized) | +7.29% | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 3.7% | 15.3% | |
| Max Drawdown | -8.0% | -56.6% | |
| Fund Family | BUILD FUNDS TRUST | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 9, 2022 | May 24, 2001 |
BFIX vs VTI Performance
Build Bond Innovation ETF (BFIX) is a ETF from BUILD FUNDS TRUST and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BFIX returned +2.92% while VTI returned +24.16%. Year to date, BFIX is up 0.69% versus a gain of 14.20% for VTI.
Over three years, BFIX compounded at +7.29% per year against +21.12% for VTI. Across the full 5-year window we track, VTI has the edge at +8.14% annualized vs +3.74%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
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 3.88% against 1.07% for VTI.
Holdings Overlap
BFIX and VTI share 1 holdings out of 2865 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in BFIX | Weight in VTI | Difference |
|---|---|---|---|
| SO | 0.89% | 0.15% | 0.74% |
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. On a $10,000 investment, that is $42 per year of difference.
Which performed better, BFIX or VTI?
Over the past year BFIX returned +2.92% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), BFIX annualized +3.74% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, BFIX or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.7% for BFIX. Worst drawdown: BFIX -8.0% vs VTI -56.6%.
Should I hold both BFIX and VTI?
BFIX and VTI have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BFIX and VTI?
BFIX and VTI share 1 common holdings with a 0.1% weight overlap. Combined, they hold 2865 unique securities.
Which pays a higher dividend, BFIX or VTI?
BFIX yields 3.88% while VTI yields 1.07%, so BFIX currently pays the higher dividend yield.
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