DBL vs VTI
DoubleLine Opportunistic Credit Fund 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 | DBL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 2.46% | 0.03% | |
| AUM | $290M | $666.9B | |
| Dividend Yield | 9.07% | 1.07% | |
| Holdings | 571 | 3,543 | |
| YTD Return | -1.59% | +14.31% | |
| 1Y Return | +0.79% | +22.11% | |
| 3Y Return (annualized) | +8.54% | +22.37% | |
| 5Y Return (annualized) | +1.64% | +12.40% | |
| Volatility (annualized) | 10.1% | 15.3% | |
| Max Drawdown | -45.3% | -56.6% | |
| Fund Family | DoubleLine Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 26, 2012 | May 24, 2001 |
DBL vs VTI Performance
DoubleLine Opportunistic Credit Fund (DBL) is a ETF from DoubleLine Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year DBL returned +0.79% while VTI returned +22.11%. Year to date, DBL is down 1.59% versus a gain of 14.31% for VTI.
Over three years, DBL compounded at +8.54% per year against +22.37% for VTI; over five years the annualized figures are +1.64% and +12.40% respectively. Across the full 15-year window we track, VTI has the edge at +8.14% annualized vs -0.98%. 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 10.1% for DBL. 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 -45.3% for DBL 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 0.40. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DBL charges 2.46% per year while VTI charges 0.03%. On a $10,000 position that is $246 vs $3 annually, a gap of $243 per year that compounds over a long holding period. On income, DBL currently yields 9.07% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, DBL or VTI?
DBL has an expense ratio of 2.46% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $243 per year of difference.
Which performed better, DBL or VTI?
Over the past year DBL returned +0.79% vs +22.11% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (15 years), DBL annualized -0.98% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, DBL or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.1% for DBL. Worst drawdown: DBL -45.3% vs VTI -56.6%.
Should I hold both DBL and VTI?
DBL and VTI have a monthly-return correlation of 0.40, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, DBL or VTI?
DBL yields 9.07% while VTI yields 1.07%, so DBL currently pays the higher dividend yield.
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