BNDI vs VTI
NEOS Enhanced Income Aggregate Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, BNDI or VTI?
Long Term Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y 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 | BNDI | VTI |
|---|---|---|
| Expense Ratio | 0.58% | 0.03%Best |
| AUM | $191M | $666.9B |
| Dividend Yield | 5.91% | 1.03% |
| Holdings | 9 | 3,543 |
| YTD Return | -0.55% | +12.08%Best |
| 1Y Return | +0.37% | +16.31%Best |
| 3Y Return (annualized) | +4.71% | +20.83%Best |
| 5Y Return (annualized) | - | +11.89% |
| Volatility (annualized) | 6.3%Best | 14.5% |
| Max Drawdown | -7.0%Best | -19.3% |
| $10,000 over 4 years | $11,356 | $19,679Best |
| Fund Family | NEOS | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term Bond | Large Cap Blend |
| Inception | Aug 30, 2022 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4 years row, are measured over the window both funds cover: Aug 30, 2022 to Sep 14, 2026 (4 years).
BNDI 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 4 years both funds cover.
BNDI vs VTI Performance
NEOS Enhanced Income Aggregate Bond ETF (BNDI) is an ETF from NEOS and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year BNDI returned +0.37% while VTI returned +16.31%. Year to date, BNDI is down 0.55% versus a gain of 12.08% for VTI.
Over three years, BNDI compounded at +4.71% per year against +20.83% for VTI. Across the full 4-year window we track, VTI has the edge at +18.44% annualized vs +3.23%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 14.5% compared with 6.3% for BNDI. 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 -7.0% for BNDI and -19.3% 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 0.63. They move together some of the time, and apart the rest.
Fees and Cost Over Time
BNDI charges 0.58% per year while VTI charges 0.03%. On a $10,000 position that is $58 vs $3 annually, a gap of $55 per year that compounds over a long holding period. On income, BNDI currently yields 5.91% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 2 holdings in BNDI and 3,463 in VTI, totalling 98.8% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 2 positions we hold weights for in BNDI and 3,463 in VTI, against full books of 9 and 3,543.
You are not choosing between two funds in isolation.
Whichever of BNDI 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, BNDI or VTI?
BNDI has an expense ratio of 0.58% while VTI charges 0.03%. VTI is the cheaper option, by $55 a year on a $10,000 investment.
Which performed better, BNDI or VTI?
Over the past year BNDI returned +0.37% vs +16.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), BNDI annualized +3.23% vs +18.44% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BNDI or VTI?
VTI has been the more volatile fund at 14.5% annualized versus 6.3% for BNDI. Worst drawdown: BNDI -7.0% vs VTI -19.3%.
Should I hold both BNDI and VTI?
BNDI and VTI have a monthly-return correlation of 0.63, 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, BNDI or VTI?
BNDI yields 5.91% while VTI yields 1.03%, so BNDI currently pays the higher dividend yield.
Is VTI better than BNDI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.