BHV vs VTI
BlackRock Virginia Municipal Bond Trust vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. BHV delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | BHV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 2.60% | 0.03% | |
| AUM | $18M | $666.9B | |
| Dividend Yield | 5.11% | 1.07% | |
| Holdings | 43 | 3,543 | |
| YTD Return | +22.98% | +12.65% | |
| 1Y Return | +30.89% | +21.39% | |
| 3Y Return (annualized) | +12.22% | +21.54% | |
| 5Y Return (annualized) | -3.87% | +12.11% | |
| Volatility (annualized) | 16.7% | 15.3% | |
| Max Drawdown | -57.4% | -56.6% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Apr 30, 2002 | May 24, 2001 |
BHV vs VTI Performance
BlackRock Virginia Municipal Bond Trust (BHV) is a ETF from BlackRock, Inc. (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BHV returned +30.89% while VTI returned +21.39%. Year to date, BHV is up 22.98% versus a gain of 12.65% for VTI.
Over three years, BHV compounded at +12.22% per year against +21.54% for VTI; over five years the annualized figures are -3.87% and +12.11% respectively. Across the full 24-year window we track, VTI has the edge at +8.07% annualized vs +0.21%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BHV has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 15.3% for VTI. 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 -57.4% for BHV 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 0.27. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BHV charges 2.60% per year while VTI charges 0.03%. On a $10,000 position that is $260 vs $3 annually, a gap of $257 per year that compounds over a long holding period. On income, BHV currently yields 5.11% against 1.07% for VTI.
Holdings Overlap
BHV and VTI share 0 holdings out of 2805 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, BHV or VTI?
BHV has an expense ratio of 2.60% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $257 per year of difference.
Which performed better, BHV or VTI?
Over the past year BHV returned +30.89% vs +21.39% for VTI, so BHV leads on 1-year performance. Over the longest common window we track (24 years), BHV annualized +0.21% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, BHV or VTI?
BHV has been the more volatile fund at 16.7% annualized versus 15.3% for VTI. Worst drawdown: BHV -57.4% vs VTI -56.6%.
Should I hold both BHV and VTI?
BHV and VTI have a monthly-return correlation of 0.27, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BHV and VTI?
BHV and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2805 unique securities.
Which pays a higher dividend, BHV or VTI?
BHV yields 5.11% while VTI yields 1.07%, so BHV currently pays the higher dividend yield.
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