BSJS vs VTI
Invesco BulletShares 2028 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 | BSJS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.42% | 0.03% | |
| AUM | $726M | $663.5B | |
| Dividend Yield | 6.22% | 1.07% | |
| Holdings | 198 | 3,543 | |
| YTD Return | +2.60% | +13.87% | |
| 1Y Return | +4.99% | +23.31% | |
| 3Y Return (annualized) | +8.33% | +21.17% | |
| 5Y Return (annualized) | +3.33% | +12.23% | |
| Volatility (annualized) | 7.3% | 15.3% | |
| Max Drawdown | -17.7% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 16, 2020 | May 24, 2001 |
BSJS vs VTI Performance
Invesco BulletShares 2028 High Yield Corporate Bond ETF (BSJS) is a ETF from Invesco (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BSJS returned +4.99% while VTI returned +23.31%. Year to date, BSJS is up 2.60% versus a gain of 13.87% for VTI.
Over three years, BSJS compounded at +8.33% per year against +21.17% for VTI; over five years the annualized figures are +3.33% and +12.23% respectively. Across the full 6-year window we track, VTI has the edge at +8.13% annualized vs +3.57%. 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 7.3% for BSJS. 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 -17.7% for BSJS 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BSJS charges 0.42% per year while VTI charges 0.03%. On a $10,000 position that is $42 vs $3 annually, a gap of $39 per year that compounds over a long holding period. On income, BSJS currently yields 6.22% against 1.07% for VTI.
Holdings Overlap
BSJS and VTI share 0 holdings out of 2968 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, BSJS or VTI?
BSJS has an expense ratio of 0.42% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $39 per year of difference.
Which performed better, BSJS or VTI?
Over the past year BSJS returned +4.99% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), BSJS annualized +3.57% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, BSJS or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.3% for BSJS. Worst drawdown: BSJS -17.7% vs VTI -56.6%.
Should I hold both BSJS and VTI?
BSJS and VTI have a monthly-return correlation of 0.81, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BSJS and VTI?
BSJS and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2968 unique securities.
Which pays a higher dividend, BSJS or VTI?
BSJS yields 6.22% while VTI yields 1.07%, so BSJS currently pays the higher dividend yield.
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