BSJP vs VTI
Invesco BulletShares 2025 High Yield Corporate Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | BSJP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.43% | 0.03% | |
| AUM | $538M | $663.5B | |
| Dividend Yield | 4.53% | 1.07% | |
| Holdings | 9 | 3,543 | |
| YTD Return | -0.13% | +14.22% | |
| 1Y Return | -0.43% | +22.19% | |
| 3Y Return (annualized) | +1.30% | +21.27% | |
| 5Y Return (annualized) | -1.16% | +12.23% | |
| Volatility (annualized) | 6.8% | 15.3% | |
| Max Drawdown | -25.4% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 26, 2017 | May 24, 2001 |
BSJP vs VTI Performance
Invesco BulletShares 2025 High Yield Corporate Bond ETF (BSJP) is a ETF from Invesco (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BSJP returned -0.43% while VTI returned +22.19%. Year to date, BSJP is down 0.13% versus a gain of 14.22% for VTI.
Over three years, BSJP compounded at +1.30% per year against +21.27% for VTI; over five years the annualized figures are -1.16% and +12.23% respectively. Across the full 8-year window we track, VTI has the edge at +8.14% annualized vs -1.01%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 6.8% for BSJP. 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 -25.4% for BSJP 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
BSJP charges 0.43% per year while VTI charges 0.03%. On a $10,000 position that is $43 vs $3 annually, a gap of $40 per year that compounds over a long holding period. On income, BSJP currently yields 4.53% against 1.07% for VTI.
Holdings Overlap
BSJP and VTI share 0 holdings out of 2791 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, BSJP or VTI?
BSJP has an expense ratio of 0.43% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, BSJP or VTI?
Over the past year BSJP returned -0.43% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), BSJP annualized -1.01% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, BSJP or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.8% for BSJP. Worst drawdown: BSJP -25.4% vs VTI -56.6%.
Should I hold both BSJP and VTI?
BSJP 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 BSJP and VTI?
BSJP and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, BSJP or VTI?
BSJP yields 4.53% while VTI yields 1.07%, so BSJP currently pays the higher dividend yield.
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