BSMQ vs VTI
Invesco BulletShares 2026 Municipal 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 | BSMQ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.03% | |
| AUM | $271M | $666.9B | |
| Dividend Yield | 2.75% | 1.07% | |
| Holdings | 1,845 | 3,543 | |
| YTD Return | +1.28% | +13.14% | |
| 1Y Return | +2.69% | +22.35% | |
| 3Y Return (annualized) | +3.11% | +21.83% | |
| 5Y Return (annualized) | +0.28% | +12.01% | |
| Volatility (annualized) | 4.5% | 15.3% | |
| Max Drawdown | -13.6% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 25, 2019 | May 24, 2001 |
BSMQ vs VTI Performance
Invesco BulletShares 2026 Municipal Bond ETF (BSMQ) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BSMQ returned +2.69% while VTI returned +22.35%. Year to date, BSMQ is up 1.28% versus a gain of 13.14% for VTI.
Over three years, BSMQ compounded at +3.11% per year against +21.83% for VTI; over five years the annualized figures are +0.28% and +12.01% respectively. Across the full 7-year window we track, VTI has the edge at +8.09% annualized vs +0.89%. 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 4.5% for BSMQ. 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 -13.6% for BSMQ 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 0.51. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BSMQ charges 0.18% per year while VTI charges 0.03%. On a $10,000 position that is $18 vs $3 annually, a gap of $15 per year that compounds over a long holding period. On income, BSMQ currently yields 2.75% against 1.07% for VTI.
Holdings Overlap
BSMQ and VTI share 0 holdings out of 3261 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, BSMQ or VTI?
BSMQ has an expense ratio of 0.18% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $15 per year of difference.
Which performed better, BSMQ or VTI?
Over the past year BSMQ returned +2.69% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), BSMQ annualized +0.89% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, BSMQ or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.5% for BSMQ. Worst drawdown: BSMQ -13.6% vs VTI -56.6%.
Should I hold both BSMQ and VTI?
BSMQ and VTI have a monthly-return correlation of 0.51, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BSMQ and VTI?
BSMQ and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3261 unique securities.
Which pays a higher dividend, BSMQ or VTI?
BSMQ yields 2.75% while VTI yields 1.07%, so BSMQ currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.