LDDR vs VTI
LifeX 2035 Income Bucket ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | LDDR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $41M | $663.5B | |
| Dividend Yield | 12.63% | 1.07% | |
| Holdings | 42 | 3,543 | |
| YTD Return | -8.14% | +13.87% | |
| 1Y Return | -6.31% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 4.3% | 15.3% | |
| Max Drawdown | -8.6% | -56.6% | |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 6, 2025 | May 24, 2001 |
LDDR vs VTI Performance
LifeX 2035 Income Bucket ETF (LDDR) is a ETF from Stone Ridge Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year LDDR returned -6.31% while VTI returned +23.31%. Year to date, LDDR is down 8.14% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.3% for LDDR. 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 -8.6% for LDDR 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 -0.04. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDDR charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, LDDR currently yields 12.63% against 1.07% for VTI.
Holdings Overlap
LDDR and VTI share 0 holdings out of 2811 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, LDDR or VTI?
LDDR has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, LDDR or VTI?
Over the past year LDDR returned -6.31% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), LDDR annualized -1.26% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, LDDR or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.3% for LDDR. Worst drawdown: LDDR -8.6% vs VTI -56.6%.
Should I hold both LDDR and VTI?
LDDR and VTI have a monthly-return correlation of -0.04, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDDR and VTI?
LDDR and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2811 unique securities.
Which pays a higher dividend, LDDR or VTI?
LDDR yields 12.63% while VTI yields 1.07%, so LDDR currently pays the higher dividend yield.
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