BNDD vs VTI
Quadratic Deflation ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, BNDD or VTI?
Long Term Government Bond 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 | BNDD | VTI |
|---|---|---|
| Expense Ratio | 1.02% | 0.03%Best |
| AUM | $18M | $666.9B |
| Dividend Yield | 3.98% | 1.07% |
| Holdings | 4 | 3,543 |
| YTD Return | +3.70% | +13.59%Best |
| 1Y Return | +3.56% | +20.00%Best |
| 3Y Return (annualized) | -3.23% | +20.95%Best |
| 5Y Return (annualized) | -4.34% | +11.81%Best |
| Volatility (annualized) | 11.3%Best | 15.9% |
| Max Drawdown | -30.9% | -25.4%Best |
| $10,000 over 5 years | $8,010 | $17,474Best |
| Fund Family | KraneShares | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term Government Bond | Large Cap Blend |
| Inception | Sep 20, 2021 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 21, 2021 to Sep 4, 2026 (5 years).
BNDD 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 5 years both funds cover.
BNDD vs VTI Performance
Quadratic Deflation ETF (BNDD) is an ETF from KraneShares and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year BNDD returned +3.56% while VTI returned +20.00%. Year to date, BNDD is up 3.70% versus a gain of 13.59% for VTI.
Over three years, BNDD compounded at -3.23% per year against +20.95% for VTI; over five years the annualized figures are -4.34% and +11.81% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 11.3% for BNDD. 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 -30.9% for BNDD and -25.4% 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 0.40. They move together some of the time, and apart the rest.
Fees and Cost Over Time
BNDD charges 1.02% per year while VTI charges 0.03%. On a $10,000 position that is $102 vs $3 annually, a gap of $99 per year that compounds over a long holding period. On income, BNDD currently yields 3.98% against 1.07% for VTI.
Holdings Overlap
We hold position weights for 1 holding in BNDD and 2,787 in VTI, totalling 77.2% 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 49 days apart, BNDD as of Aug 18, 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 BNDD and 2,787 in VTI, against full books of 4 and 3,543.
You are not choosing between two funds in isolation.
Whichever of BNDD 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, BNDD or VTI?
BNDD has an expense ratio of 1.02% while VTI charges 0.03%. VTI is the cheaper option, by $99 a year on a $10,000 investment.
Which performed better, BNDD or VTI?
Over the past year BNDD returned +3.56% vs +20.00% 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, BNDD or VTI?
VTI has been the more volatile fund at 15.9% annualized versus 11.3% for BNDD. Worst drawdown: BNDD -30.9% vs VTI -25.4%.
Should I hold both BNDD and VTI?
BNDD and VTI have a monthly-return correlation of 0.40, 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, BNDD or VTI?
BNDD yields 3.98% while VTI yields 1.07%, so BNDD currently pays the higher dividend yield.
Is VTI better than BNDD?
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.