BSJU vs VTI
Invesco BulletShares 2030 High Yield Corporate 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 | BSJU | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.42% | 0.03% | |
| AUM | $320M | $666.9B | |
| Dividend Yield | 6.70% | 1.07% | |
| Holdings | 224 | 3,543 | |
| YTD Return | +2.85% | +14.82% | |
| 1Y Return | +5.95% | +22.43% | |
| 3Y Return (annualized) | +8.84% | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 6.0% | 15.4% | |
| Max Drawdown | -7.5% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 8, 2022 | May 24, 2001 |
BSJU vs VTI Performance
Invesco BulletShares 2030 High Yield Corporate Bond ETF (BSJU) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BSJU returned +5.95% while VTI returned +22.43%. Year to date, BSJU is up 2.85% versus a gain of 14.82% for VTI.
Over three years, BSJU compounded at +8.84% per year against +21.93% for VTI. Across the full 4-year window we track, VTI has the edge at +8.16% annualized vs +7.64%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 6.0% for BSJU. 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 -7.5% for BSJU 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BSJU 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, BSJU currently yields 6.70% against 1.07% for VTI.
Holdings Overlap
BSJU and VTI share 1 holdings out of 2973 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in BSJU | Weight in VTI | Difference |
|---|---|---|---|
| THC | 1.12% | 0.02% | 1.10% |
Frequently Asked Questions
Which is cheaper, BSJU or VTI?
BSJU 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, BSJU or VTI?
Over the past year BSJU returned +5.95% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), BSJU annualized +7.64% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, BSJU or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 6.0% for BSJU. Worst drawdown: BSJU -7.5% vs VTI -56.6%.
Should I hold both BSJU and VTI?
BSJU and VTI have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BSJU and VTI?
BSJU and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2973 unique securities.
Which pays a higher dividend, BSJU or VTI?
BSJU yields 6.70% while VTI yields 1.07%, so BSJU currently pays the higher dividend yield.
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