JHMB vs VTI
John Hancock Mortgage-Backed Securities 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 | JHMB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $205M | $666.9B | |
| Dividend Yield | 4.84% | 1.07% | |
| Holdings | 442 | 3,543 | |
| YTD Return | +0.38% | +13.14% | |
| 1Y Return | +3.96% | +22.35% | |
| 3Y Return (annualized) | +5.78% | +21.83% | |
| 5Y Return (annualized) | +1.31% | +12.01% | |
| Volatility (annualized) | 5.8% | 15.3% | |
| Max Drawdown | -14.5% | -56.6% | |
| Fund Family | John Hancock Investment Management | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Aug 18, 2021 | May 24, 2001 |
JHMB vs VTI Performance
John Hancock Mortgage-Backed Securities ETF (JHMB) is a ETF from John Hancock Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year JHMB returned +3.96% while VTI returned +22.35%. Year to date, JHMB is up 0.38% versus a gain of 13.14% for VTI.
Over three years, JHMB compounded at +5.78% per year against +21.83% for VTI; over five years the annualized figures are +1.31% and +12.01% respectively. Across the full 5-year window we track, VTI has the edge at +8.09% annualized vs +1.34%. 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 5.8% for JHMB. 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 -14.5% for JHMB 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JHMB charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, JHMB currently yields 4.84% against 1.07% for VTI.
Holdings Overlap
JHMB and VTI share 1 holdings out of 2922 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in JHMB | Weight in VTI | Difference |
|---|---|---|---|
| DUK | 0.23% | 0.14% | 0.09% |
Frequently Asked Questions
Which is cheaper, JHMB or VTI?
JHMB has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, JHMB or VTI?
Over the past year JHMB returned +3.96% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), JHMB annualized +1.34% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, JHMB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.8% for JHMB. Worst drawdown: JHMB -14.5% vs VTI -56.6%.
Should I hold both JHMB and VTI?
JHMB and VTI have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JHMB and VTI?
JHMB and VTI share 1 common holdings with a 0.1% weight overlap. Combined, they hold 2922 unique securities.
Which pays a higher dividend, JHMB or VTI?
JHMB yields 4.84% while VTI yields 1.07%, so JHMB currently pays the higher dividend yield.
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