BTT vs VTI
BlackRock Municipal 2030 Target Term Trust 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 | BTT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.34% | 0.03% | |
| AUM | $1.6B | $666.9B | |
| Dividend Yield | 2.28% | 1.07% | |
| Holdings | 557 | 3,543 | |
| YTD Return | +0.57% | +13.38% | |
| 1Y Return | +4.38% | +21.12% | |
| 3Y Return (annualized) | +6.17% | +21.85% | |
| 5Y Return (annualized) | -0.36% | +12.44% | |
| Volatility (annualized) | 10.2% | 15.3% | |
| Max Drawdown | -35.0% | -56.6% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Aug 29, 2012 | May 24, 2001 |
BTT vs VTI Performance
BlackRock Municipal 2030 Target Term Trust (BTT) 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 BTT returned +4.38% while VTI returned +21.12%. Year to date, BTT is up 0.57% versus a gain of 13.38% for VTI.
Over three years, BTT compounded at +6.17% per year against +21.85% for VTI; over five years the annualized figures are -0.36% and +12.44% respectively. Across the full 14-year window we track, VTI has the edge at +8.10% annualized vs +0.41%. 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 10.2% for BTT. 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 -35.0% for BTT 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BTT charges 1.34% per year while VTI charges 0.03%. On a $10,000 position that is $134 vs $3 annually, a gap of $131 per year that compounds over a long holding period. On income, BTT currently yields 2.28% against 1.07% for VTI.
Holdings Overlap
BTT and VTI share 0 holdings out of 2912 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, BTT or VTI?
BTT has an expense ratio of 1.34% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $131 per year of difference.
Which performed better, BTT or VTI?
Over the past year BTT returned +4.38% vs +21.12% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (14 years), BTT annualized +0.41% vs +8.10% for VTI. Past performance does not guarantee future results.
Which is riskier, BTT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.2% for BTT. Worst drawdown: BTT -35.0% vs VTI -56.6%.
Should I hold both BTT and VTI?
BTT and VTI have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BTT and VTI?
BTT and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2912 unique securities.
Which pays a higher dividend, BTT or VTI?
BTT yields 2.28% while VTI yields 1.07%, so BTT currently pays the higher dividend yield.
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