BNDY vs VTI
Horizon Core Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | BNDY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.66% | 0.03% | |
| AUM | $401M | $666.9B | |
| Dividend Yield | 6.36% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | -3.96% | +13.14% | |
| 1Y Return | -1.37% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 4.6% | 15.3% | |
| Max Drawdown | -6.3% | -56.6% | |
| Fund Family | Horizon Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 2, 2025 | May 24, 2001 |
BNDY vs VTI Performance
Horizon Core Bond ETF (BNDY) is a ETF from Horizon Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BNDY returned -1.37% while VTI returned +22.35%. Year to date, BNDY is down 3.96% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.6% for BNDY. 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 -6.3% for BNDY 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 0.13. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BNDY charges 0.66% per year while VTI charges 0.03%. On a $10,000 position that is $66 vs $3 annually, a gap of $63 per year that compounds over a long holding period. On income, BNDY currently yields 6.36% against 1.07% for VTI.
Holdings Overlap
BNDY 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, BNDY or VTI?
BNDY has an expense ratio of 0.66% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $63 per year of difference.
Which performed better, BNDY or VTI?
Over the past year BNDY returned -1.37% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), BNDY annualized -0.39% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, BNDY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.6% for BNDY. Worst drawdown: BNDY -6.3% vs VTI -56.6%.
Should I hold both BNDY and VTI?
BNDY and VTI have a monthly-return correlation of 0.13, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BNDY and VTI?
BNDY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, BNDY or VTI?
BNDY yields 6.36% while VTI yields 1.07%, so BNDY currently pays the higher dividend yield.
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