BLUI vs VTI
Bluemonte Diversified Income ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | BLUI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.03% | |
| AUM | - | $663.5B | |
| Dividend Yield | - | 1.07% | |
| Holdings | 7 | 3,543 | |
| YTD Return | +4.40% | +14.22% | |
| 1Y Return | +7.31% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 2.6% | 15.3% | |
| Max Drawdown | -2.4% | -56.6% | |
| Fund Family | Bluemonte Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 20, 2025 | May 24, 2001 |
BLUI vs VTI Performance
Bluemonte Diversified Income ETF (BLUI) is a ETF from Bluemonte Investment Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BLUI returned +7.31% while VTI returned +22.19%. Year to date, BLUI is up 4.40% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.6% 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 -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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
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.
Holdings Overlap
BLUI and VTI share 0 holdings out of 2789 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, BLUI or VTI?
BLUI has an expense ratio of 0.75% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $72 per year of difference.
Which performed better, BLUI or VTI?
Over the past year BLUI returned +7.31% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), BLUI annualized +7.41% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, BLUI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.6% for BLUI. Worst drawdown: BLUI -2.4% vs VTI -56.6%.
Should I hold both BLUI and VTI?
BLUI and VTI have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BLUI and VTI?
BLUI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2789 unique securities.
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