GBIL vs VTI
Goldman Sachs Access Treasury 0-1 Year 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 | GBIL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.03% | |
| AUM | $7.6B | $666.9B | |
| Dividend Yield | 3.71% | 1.07% | |
| Holdings | 40 | 3,543 | |
| YTD Return | +2.20% | +13.14% | |
| 1Y Return | +3.78% | +22.35% | |
| 3Y Return (annualized) | +4.54% | +21.83% | |
| 5Y Return (annualized) | +3.49% | +12.01% | |
| Volatility (annualized) | 0.8% | 15.3% | |
| Max Drawdown | -1.0% | -56.6% | |
| Fund Family | Goldman Sachs Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 6, 2016 | May 24, 2001 |
GBIL vs VTI Performance
Goldman Sachs Access Treasury 0-1 Year ETF (GBIL) is a ETF from Goldman Sachs Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year GBIL returned +3.78% while VTI returned +22.35%. Year to date, GBIL is up 2.20% versus a gain of 13.14% for VTI.
Over three years, GBIL compounded at +4.54% per year against +21.83% for VTI; over five years the annualized figures are +3.49% and +12.01% respectively. Across the full 10-year window we track, VTI has the edge at +8.09% annualized vs +1.74%. 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 0.8% for GBIL. 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 -1.0% for GBIL 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 0.09. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GBIL charges 0.12% per year while VTI charges 0.03%. On a $10,000 position that is $12 vs $3 annually, a gap of $9 per year that compounds over a long holding period. On income, GBIL currently yields 3.71% against 1.07% for VTI.
Holdings Overlap
GBIL and VTI share 0 holdings out of 2803 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, GBIL or VTI?
GBIL has an expense ratio of 0.12% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, GBIL or VTI?
Over the past year GBIL returned +3.78% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), GBIL annualized +1.74% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, GBIL or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 0.8% for GBIL. Worst drawdown: GBIL -1.0% vs VTI -56.6%.
Should I hold both GBIL and VTI?
GBIL and VTI have a monthly-return correlation of 0.09, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GBIL and VTI?
GBIL and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2803 unique securities.
Which pays a higher dividend, GBIL or VTI?
GBIL yields 3.71% while VTI yields 1.07%, so GBIL currently pays the higher dividend yield.
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