BIZD vs VTI
VanEck BDC Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, BIZD or VTI?
Small Cap Value against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y 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 | BIZD | VTI |
|---|---|---|
| Expense Ratio | 9.69% | 0.03%Best |
| AUM | $1.6B | $690.1B |
| Dividend Yield | 11.46% | 1.03% |
| Holdings | 68 | 3,524 |
| YTD Return | -7.13% | +14.54%Best |
| 1Y Return | -0.29% | +16.83%Best |
| 3Y Return (annualized) | +3.51% | +22.56%Best |
| 5Y Return (annualized) | +4.04% | +12.76%Best |
| Volatility (annualized) | 19.9% | 14.7%Best |
| Max Drawdown | -64.6% | -35.0%Best |
| $10,000 over 5 years | $12,190 | $18,230Best |
| Fund Family | VanEck | Vanguard (US) |
| Category | Equity | Equity |
| Style | Small Cap Value | Large Cap Blend |
| Inception | Feb 11, 2013 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 12, 2013 to Oct 9, 2026 (13.7 years).
BIZD 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 13.7 years both funds cover.
BIZD vs VTI Performance
VanEck BDC Income ETF (BIZD) is an ETF from VanEck and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year BIZD returned -0.29% while VTI returned +16.83%. Year to date, BIZD is down 7.13% versus a gain of 14.54% for VTI.
Over three years, BIZD compounded at +3.51% per year against +22.56% for VTI; over five years the annualized figures are +4.04% and +12.76% respectively. Across the full 14-year window we track, VTI has the edge at +12.94% annualized vs +0.74%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BIZD has been the more volatile fund, with annualized monthly volatility of 19.9% compared with 14.7% 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 -64.6% for BIZD and -35.0% 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BIZD charges 9.69% per year while VTI charges 0.03%. On a $10,000 position that is $969 vs $3 annually, a gap of $966 per year that compounds over a long holding period. On income, BIZD currently yields 11.46% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 30 holdings in BIZD and 3,463 in VTI, totalling 61.6% and 98.1% 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 46 days apart, BIZD as of Sep 15, 2026 and VTI as of Jul 31, 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 30 positions we hold weights for in BIZD and 3,463 in VTI, against full books of 68 and 3,524.
You are not choosing between two funds in isolation.
Whichever of BIZD 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, BIZD or VTI?
BIZD has an expense ratio of 9.69% while VTI charges 0.03%. VTI is the cheaper option, by $966 a year on a $10,000 investment.
Which performed better, BIZD or VTI?
Over the past year BIZD returned -0.29% vs +16.83% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (14 years), BIZD annualized +0.74% vs +12.94% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BIZD or VTI?
BIZD has been the more volatile fund at 19.9% annualized versus 14.7% for VTI. Worst drawdown: BIZD -64.6% vs VTI -35.0%.
Should I hold both BIZD and VTI?
BIZD and VTI have a monthly-return correlation of 0.71, 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, BIZD or VTI?
BIZD yields 11.46% while VTI yields 1.03%, so BIZD currently pays the higher dividend yield.
Is VTI better than BIZD?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.