BNDX vs VTILX
Vanguard Total International Bond ETF vs Vanguard Total International Bond II Index Fund Class Institutional
Quick Verdict
BNDX delivered stronger 1-year returns. BNDX offers more diversification with 13,626 holdings.
Side-by-Side Comparison
| Metric | BNDX | VTILX | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.07% | |
| AUM | $83.0B | $142.6B | |
| Dividend Yield | 4.45% | 4.12% | |
| Holdings | 13,626 | 7,391 | |
| YTD Return | +0.54% | -1.04% | |
| 1Y Return | +1.08% | -2.87% | |
| 3Y Return (annualized) | +4.24% | -0.32% | |
| 5Y Return (annualized) | -0.04% | - | |
| Volatility (annualized) | 4.1% | 6.0% | |
| Max Drawdown | -17.2% | -15.3% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Fixed Income | |
| Inception | May 31, 2013 | Feb 17, 2021 |
BNDX vs VTILX Performance
Vanguard Total International Bond ETF (BNDX) is a ETF from Vanguard (US) and Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US). Over the past year BNDX returned +1.08% while VTILX returned -2.87%. Year to date, BNDX is up 0.54% versus a loss of 1.04% for VTILX.
Over three years, BNDX compounded at +4.24% per year against -0.32% for VTILX. Across the full 5-year window we track, BNDX has the edge at +1.09% annualized vs -2.84%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTILX has been the more volatile fund, with annualized monthly volatility of 6.0% compared with 4.1% for BNDX. 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 -17.2% for BNDX and -15.3% for VTILX. 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
BNDX charges 0.07% per year while VTILX charges 0.07%. On a $10,000 position that is $7 vs $7 annually. On income, BNDX currently yields 4.45% against 4.12% for VTILX.
Holdings Overlap
BNDX and VTILX share 1175 holdings out of 1553 unique holdings combined, representing a 4.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in BNDX | Weight in VTILX | Difference |
|---|---|---|---|
| FRTR 2.75 10/25/27 O | 0.17% | 0.13% | 0.04% |
| CAN 3.5 09/01/29 | 0.08% | 0.09% | 0.01% |
| CAN 3 06/01/34 | 0.08% | 0.08% | 0.00% |
| CAN 3.25 06/01/35 | Pro | Pro | Pro |
| BTPS 5 08/01/39 32Y | Pro | Pro | Pro |
| CAN 2.75 09/01/30 | Pro | Pro | Pro |
| CAN 1.5 12/01/31 | Pro | Pro | Pro |
| CAN 3.25 12/01/34 | Pro | Pro | Pro |
| CAN 2.75 03/01/30 | Pro | Pro | Pro |
| CAN 1.5 06/01/31 | Pro | Pro | Pro |
Frequently Asked Questions
Which is cheaper, BNDX or VTILX?
BNDX has an expense ratio of 0.07% while VTILX charges 0.07%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, BNDX or VTILX?
Over the past year BNDX returned +1.08% vs -2.87% for VTILX, so BNDX leads on 1-year performance. Over the longest common window we track (5 years), BNDX annualized +1.09% vs -2.84% for VTILX. Past performance does not guarantee future results.
Which is riskier, BNDX or VTILX?
VTILX has been the more volatile fund at 6.0% annualized versus 4.1% for BNDX. Worst drawdown: BNDX -17.2% vs VTILX -15.3%.
Should I hold both BNDX and VTILX?
BNDX and VTILX have a monthly-return correlation of 0.93, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between BNDX and VTILX?
BNDX and VTILX share 1175 common holdings with a 4.3% weight overlap. Combined, they hold 1553 unique securities.
Which pays a higher dividend, BNDX or VTILX?
BNDX yields 4.45% while VTILX yields 4.12%, so BNDX currently pays the higher dividend yield.
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