BLUI vs VTI
Bluemonte Diversified Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, BLUI or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y 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 | BLUI | VTI |
|---|---|---|
| Expense Ratio | 0.75% | 0.03%Best |
| AUM | $112M | $666.9B |
| Dividend Yield | 5.12% | 1.07% |
| Holdings | 8 | 3,543 |
| YTD Return | +4.49% | +13.59%Best |
| 1Y Return | +6.30% | +20.00%Best |
| 3Y Return (annualized) | - | +20.95% |
| 5Y Return (annualized) | - | +11.81% |
| Volatility (annualized) | 2.5%Best | 11.7% |
| Max Drawdown | -2.4%Best | -8.9% |
| $10,000 over 1.2 years | $10,856 | $13,009Best |
| Fund Family | Bluemonte Investment Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Jun 20, 2025 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.2 years row, are measured over the window both funds cover: Jun 23, 2025 to Sep 4, 2026 (1.2 years).
BLUI 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 1.2 years both funds cover.
BLUI vs VTI Performance
Bluemonte Diversified Income ETF (BLUI) is an ETF from Bluemonte Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year BLUI returned +6.30% while VTI returned +20.00%. Year to date, BLUI is up 4.49% versus a gain of 13.59% 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 11.7% compared with 2.5% for BLUI. 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 -2.4% for BLUI and -8.9% 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 0.37. They move together some of the time, and apart the rest.
Fees and Cost Over Time
BLUI charges 0.75% per year while VTI charges 0.03%. On a $10,000 position that is $75 vs $3 annually, a gap of $72 per year that compounds over a long holding period. On income, BLUI currently yields 5.12% against 1.07% for VTI.
Holdings Overlap
We hold position weights for 6 holdings in BLUI and 2,788 in VTI, totalling 79.7% 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 50 days apart, BLUI as of Aug 19, 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 6 positions we hold weights for in BLUI and 2,788 in VTI, against full books of 8 and 3,543.
You are not choosing between two funds in isolation.
Whichever of BLUI 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, BLUI or VTI?
BLUI has an expense ratio of 0.75% while VTI charges 0.03%. VTI is the cheaper option, by $72 a year on a $10,000 investment.
Which performed better, BLUI or VTI?
Over the past year BLUI returned +6.30% vs +20.00% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), BLUI annualized +7.08% vs +24.51% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BLUI or VTI?
VTI has been the more volatile fund at 11.7% annualized versus 2.5% for BLUI. Worst drawdown: BLUI -2.4% vs VTI -8.9%.
Should I hold both BLUI and VTI?
BLUI and VTI have a monthly-return correlation of 0.37, 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, BLUI or VTI?
BLUI yields 5.12% while VTI yields 1.07%, so BLUI currently pays the higher dividend yield.
Is VTI better than BLUI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.