BPAY vs VTI
iShares FinTech Active 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 | BPAY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.03% | |
| AUM | $10M | $666.9B | |
| Dividend Yield | 6.83% | 1.07% | |
| Holdings | 42 | 3,543 | |
| YTD Return | +1.54% | +13.48% | |
| 1Y Return | -11.61% | +19.90% | |
| 3Y Return (annualized) | +11.30% | +20.94% | |
| 5Y Return (annualized) | - | +11.75% | |
| Volatility (annualized) | 24.4% | 15.3% | |
| Max Drawdown | -33.6% | -56.6% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 16, 2022 | May 24, 2001 |
BPAY vs VTI Performance
iShares FinTech Active ETF (BPAY) is a ETF from BlackRock, Inc. (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BPAY returned -11.61% while VTI returned +19.90%. Year to date, BPAY is up 1.54% versus a gain of 13.48% for VTI.
Over three years, BPAY compounded at +11.30% per year against +20.94% for VTI. Across the full 4-year window we track, VTI has the edge at +8.10% annualized vs +5.26%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BPAY has been the more volatile fund, with annualized monthly volatility of 24.4% compared with 15.3% for VTI. 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 -33.6% for BPAY 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BPAY charges 0.55% per year while VTI charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period. On income, BPAY currently yields 6.83% against 1.07% for VTI.
Holdings Overlap
BPAY and VTI share 18 holdings out of 2809 unique holdings combined, representing a 2.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BPAY or VTI?
BPAY has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, BPAY or VTI?
Over the past year BPAY returned -11.61% vs +19.90% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), BPAY annualized +5.26% vs +8.10% for VTI. Past performance does not guarantee future results.
Which is riskier, BPAY or VTI?
BPAY has been the more volatile fund at 24.4% annualized versus 15.3% for VTI. Worst drawdown: BPAY -33.6% vs VTI -56.6%.
Should I hold both BPAY and VTI?
BPAY and VTI have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BPAY and VTI?
BPAY and VTI share 18 common holdings with a 2.3% weight overlap. Combined, they hold 2809 unique securities.
Which pays a higher dividend, BPAY or VTI?
BPAY yields 6.83% while VTI yields 1.07%, so BPAY currently pays the higher dividend yield.
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