BIZD vs VTI
VanEck BDC Income ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | BIZD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 9.69% | 0.03% | |
| AUM | $1.6B | $666.9B | |
| Dividend Yield | 12.25% | 1.07% | |
| Holdings | 34 | 3,543 | |
| YTD Return | -0.70% | +13.14% | |
| 1Y Return | -6.00% | +20.29% | |
| 3Y Return (annualized) | +6.07% | +21.42% | |
| 5Y Return (annualized) | +5.95% | +12.00% | |
| Volatility (annualized) | 19.9% | 15.3% | |
| Max Drawdown | -64.6% | -56.6% | |
| Fund Family | VanEck | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 11, 2013 | May 24, 2001 |
BIZD vs VTI Performance
VanEck BDC Income ETF (BIZD) is a ETF from VanEck and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BIZD returned -6.00% while VTI returned +20.29%. Year to date, BIZD is down 0.70% versus a gain of 13.14% for VTI.
Over three years, BIZD compounded at +6.07% per year against +21.42% for VTI; over five years the annualized figures are +5.95% and +12.00% respectively. Across the full 14-year window we track, VTI has the edge at +8.08% annualized vs +1.25%. 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 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 -64.6% for BIZD 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 0.71. 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 12.25% against 1.07% for VTI.
Holdings Overlap
BIZD and VTI share 0 holdings out of 2817 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, BIZD or VTI?
BIZD has an expense ratio of 9.69% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $966 per year of difference.
Which performed better, BIZD or VTI?
Over the past year BIZD returned -6.00% vs +20.29% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (14 years), BIZD annualized +1.25% vs +8.08% for VTI. Past performance does not guarantee future results.
Which is riskier, BIZD or VTI?
BIZD has been the more volatile fund at 19.9% annualized versus 15.3% for VTI. Worst drawdown: BIZD -64.6% vs VTI -56.6%.
Should I hold both BIZD and VTI?
BIZD and VTI have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BIZD and VTI?
BIZD and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2817 unique securities.
Which pays a higher dividend, BIZD or VTI?
BIZD yields 12.25% while VTI yields 1.07%, so BIZD currently pays the higher dividend yield.
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