FINS vs VTI
Angel Oak Financial Strategies Income Term Trust vs Vanguard Morningstar Total Stock Market ETF
Which is better, FINS or VTI?
VTI has been ahead.
VTI led over 1Y, 3Y, 5Y and the full window.
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 | FINS | VTI |
|---|---|---|
| Expense Ratio | - | 0.03% |
| AUM | $435M | $690.1B |
| Dividend Yield | 10.29% | 1.03% |
| Holdings | 242 | 3,524 |
| YTD Return | -1.77% | +13.35%Best |
| 1Y Return | +1.71% | +15.92%Best |
| 3Y Return (annualized) | +10.91% | +23.41%Best |
| 5Y Return (annualized) | +2.45% | +12.83%Best |
| Volatility (annualized) | 10.6%Best | 16.8% |
| Max Drawdown | -41.5% | -35.0%Best |
| $10,000 over 5 years | $11,287 | $18,286Best |
| Fund Family | Angel Oak Capital Advisors | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | May 29, 2019 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: May 29, 2019 to Oct 2, 2026 (7.3 years).
FINS 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 7.3 years both funds cover.
FINS vs VTI Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is an ETF from Angel Oak Capital Advisors and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year FINS returned +1.71% while VTI returned +15.92%. Year to date, FINS is down 1.77% versus a gain of 13.35% for VTI.
Over three years, FINS compounded at +10.91% per year against +23.41% for VTI; over five years the annualized figures are +2.45% and +12.83% respectively. Across the full 7-year window we track, VTI has the edge at +15.46% annualized vs +0.21%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.8% compared with 10.6% for FINS. 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 -41.5% for FINS and -35.0% 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 0.47. They move together some of the time, and apart the rest.
Holdings Overlap
At least 0.5% of VTI's money is in holdings FINS also owns.
Stated as a floor: for FINS, our book for it covers 33.4% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
The two holdings books were reported 181 days apart, FINS as of Jan 31, 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.
32 positions in common, counted across the 67 positions we hold weights for in FINS and 3,463 in VTI, against full books of 242 and 3,524.
Top Shared Holdings
| Stock | Weight in FINS | Weight in VTI | Difference |
|---|---|---|---|
| PNBKPatriot National Bancorp Inc | 1.07% | 0.00% | 1.07% |
| PFISPeoples Financial Services Corp | 0.68% | 0.00% | 0.68% |
| FCNCAFirst Citizens BancShares Inc | 0.63% | 0.02% | 0.61% |
| CCitigroup Inc. | 0.27% | 0.30% | 0.03% |
| EGBNEagle Bancorp Inc | 0.56% | 0.00% | 0.56% |
| WSBCWesbanco, Inc. | 0.55% | 0.01% | 0.54% |
| RILYB. Riley Financial Inc | 0.45% | 0.00% | 0.45% |
| CHMGChemung Financial Corp | 0.45% | 0.00% | 0.45% |
| EFCEllington Financial Inc | 0.42% | 0.00% | 0.42% |
| MTBM&T Bank Corp | 0.26% | 0.05% | 0.21% |
You are not choosing between two funds in isolation.
Whichever of FINS and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which performed better, FINS or VTI?
Over the past year FINS returned +1.71% vs +15.92% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), FINS annualized +0.21% vs +15.46% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FINS or VTI?
VTI has been the more volatile fund at 16.8% annualized versus 10.6% for FINS. Worst drawdown: FINS -41.5% vs VTI -35.0%.
Should I hold both FINS and VTI?
FINS and VTI have a monthly-return correlation of 0.47, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, FINS or VTI?
FINS yields 10.29% while VTI yields 1.03%, so FINS currently pays the higher dividend yield.
Is VTI better than FINS?
VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.