BILZ vs VTI
PIMCO Ultra Short Government Active Exchange-Traded Fund vs Vanguard Morningstar Total Stock Market ETF
Which is better, BILZ or VTI?
VTI has been ahead.
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 | BILZ | VTI |
|---|---|---|
| Expense Ratio | 0.14% | 0.03%Best |
| AUM | $947M | $666.9B |
| Dividend Yield | 4.01% | 1.07% |
| Holdings | 7 | 3,543 |
| YTD Return | +2.38% | +13.95%Best |
| 1Y Return | +3.74% | +21.44%Best |
| 3Y Return (annualized) | +4.57% | +21.10%Best |
| 5Y Return (annualized) | - | +11.77% |
| Volatility (annualized) | 0.4%Best | 13.0% |
| Max Drawdown | -0.5%Best | -19.3% |
| $10,000 over 3.2 years | $11,491 | $18,283Best |
| Fund Family | PIMCO (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Jun 21, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.2 years row, are measured over the window both funds cover: Jun 22, 2023 to Sep 3, 2026 (3.2 years).
BILZ 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 3.2 years both funds cover.
BILZ vs VTI Performance
PIMCO Ultra Short Government Active Exchange-Traded Fund (BILZ) is an ETF from PIMCO (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year BILZ returned +3.74% while VTI returned +21.44%. Year to date, BILZ is up 2.38% versus a gain of 13.95% for VTI.
Over three years, BILZ compounded at +4.57% per year against +21.10% 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 13.0% compared with 0.4% for BILZ. 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 -0.5% for BILZ and -19.3% 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 0.13. They move largely independently of each other.
Fees and Cost Over Time
BILZ charges 0.14% per year while VTI charges 0.03%. On a $10,000 position that is $14 vs $3 annually, a gap of $11 per year that compounds over a long holding period. On income, BILZ currently yields 4.01% against 1.07% for VTI.
Holdings Overlap
We hold position weights for 1 holding in BILZ and 2,787 in VTI, totalling 0.0% and 92.3% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 48 days apart, BILZ as of Aug 17, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 1 positions we hold weights for in BILZ and 2,787 in VTI, against full books of 7 and 3,543.
You are not choosing between two funds in isolation.
Whichever of BILZ 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, BILZ or VTI?
BILZ has an expense ratio of 0.14% while VTI charges 0.03%. VTI is the cheaper option, by $11 a year on a $10,000 investment.
Which performed better, BILZ or VTI?
Over the past year BILZ returned +3.74% vs +21.44% 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, BILZ or VTI?
VTI has been the more volatile fund at 13.0% annualized versus 0.4% for BILZ. Worst drawdown: BILZ -0.5% vs VTI -19.3%.
Should I hold both BILZ and VTI?
BILZ and VTI have a monthly-return correlation of 0.13, 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, BILZ or VTI?
BILZ yields 4.01% while VTI yields 1.07%, so BILZ currently pays the higher dividend yield.
Is VTI better than BILZ?
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.