BUYZ vs VTI
Franklin Disruptive Commerce ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, BUYZ or VTI?
Mid Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 48.9%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | BUYZ | VTI |
|---|---|---|
| Expense Ratio | 0.50% | 0.03%Best |
| AUM | $5M | $690.1B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 60 | 3,524 |
| YTD Return | -8.39% | +14.54%Best |
| 1Y Return | -17.18% | +16.83%Best |
| 3Y Return (annualized) | +13.36% | +22.56%Best |
| 5Y Return (annualized) | -5.44% | +12.76%Best |
| Volatility (annualized) | 28.4% | 17.1%Best |
| Max Drawdown | -68.0% | -29.5%Best |
| $10,000 over 5 years | $7,560 | $18,230Best |
| Top 10 Weight | 48.9% | 33.3%Best |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Blend |
| Inception | Feb 25, 2020 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Feb 27, 2020 to Oct 9, 2026 (6.6 years).
BUYZ vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 6.6 years both funds cover.
BUYZ vs VTI Performance
Franklin Disruptive Commerce ETF (BUYZ) is an ETF from Franklin Templeton Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year BUYZ returned -17.18% while VTI returned +16.83%. Year to date, BUYZ is down 8.39% versus a gain of 14.54% for VTI.
Over three years, BUYZ compounded at +13.36% per year against +22.56% for VTI; over five years the annualized figures are -5.44% and +12.76% respectively. Across the full 7-year window we track, VTI has the edge at +16.39% annualized vs +6.21%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BUYZ has been the more volatile fund, with annualized monthly volatility of 28.4% compared with 17.1% for VTI. 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 -68.0% for BUYZ and -29.5% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BUYZ charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, BUYZ currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
75.3% of BUYZ's money is in holdings VTI also owns. 13.0% of VTI's money is in holdings BUYZ also owns.
Most of BUYZ is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 46 days apart, BUYZ as of Sep 15, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
41 positions in common, counted across the 58 positions we hold weights for in BUYZ and 3,463 in VTI, against full books of 60 and 3,524.
What only one of them owns
Our book lists 1,116 positions for VTI that do not appear in our book for BUYZ (84.5% of the fund), and 4 for BUYZ that do not appear in VTI (6.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in BUYZ | Weight in VTI | Difference |
|---|---|---|---|
| AMZNAmazon.Com Inc | 11.58% | 3.65% | 7.93% |
| GOOGLAlphabet Inc,class A | 3.72% | 2.90% | 0.82% |
| METAMeta Platforms Inc | 4.37% | 1.70% | 2.67% |
| MAMastercard Inc | 3.21% | 0.63% | 2.58% |
| CVNACarvana Co | 3.74% | 0.06% | 3.68% |
| DASHDoordash Inc - A | 3.52% | 0.10% | 3.42% |
| WMTWalmart, Inc. | 2.85% | 0.68% | 2.17% |
| VVisa Inc Class A | 2.52% | 0.83% | 1.69% |
| EBAYEbay Inc. | 3.07% | 0.07% | 3.00% |
| BKNGBooking Holdings, Inc. | 2.86% | 0.21% | 2.65% |
75.3% of BUYZ is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, BUYZ or VTI?
BUYZ has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option, by $47 a year on a $10,000 investment.
Which performed better, BUYZ or VTI?
Over the past year BUYZ returned -17.18% vs +16.83% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), BUYZ annualized +6.21% vs +16.39% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BUYZ or VTI?
BUYZ has been the more volatile fund at 28.4% annualized versus 17.1% for VTI. Worst drawdown: BUYZ -68.0% vs VTI -29.5%.
Should I hold both BUYZ and VTI?
BUYZ and VTI have a monthly-return correlation of 0.80, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between BUYZ and VTI?
75.3% of BUYZ's money is in holdings VTI also owns. 13.0% of VTI's is in holdings BUYZ also owns. They hold 41 positions in common, counted across the 58 positions we hold weights for in BUYZ and 3,463 in VTI.
Which pays a higher dividend, BUYZ or VTI?
BUYZ yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than BUYZ?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 48.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.