LFBE vs VTI
LifeX 2065 Longevity Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, LFBE or VTI?
Long Term Government Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y 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 | LFBE | VTI |
|---|---|---|
| Expense Ratio | 0.25% | 0.03%Best |
| AUM | $2M | $666.9B |
| Dividend Yield | 8.46% | 1.03% |
| Holdings | 17 | 3,543 |
| YTD Return | -7.66% | +11.06%Best |
| 1Y Return | -8.70% | +15.41%Best |
| 3Y Return (annualized) | - | +20.48% |
| 5Y Return (annualized) | - | +11.52% |
| Volatility (annualized) | 8.2%Best | 13.2% |
| Max Drawdown | -11.1%Best | -19.3% |
| $10,000 over 1.7 years | $9,733 | $12,844Best |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term Government Bond | Large Cap Blend |
| Inception | Jan 6, 2025 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.7 years row, are measured over the window both funds cover: Jan 6, 2025 to Sep 16, 2026 (1.7 years).
LFBE 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 1.7 years both funds cover.
LFBE vs VTI Performance
LifeX 2065 Longevity Income ETF (LFBE) is an ETF from Stone Ridge Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year LFBE returned -8.70% while VTI returned +15.41%. Year to date, LFBE is down 7.66% versus a gain of 11.06% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.2% compared with 8.2% for LFBE. 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 -11.1% for LFBE and -19.3% 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 0.07. They move largely independently of each other.
Fees and Cost Over Time
LFBE 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, LFBE currently yields 8.46% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 8 holdings in LFBE and 3,463 in VTI, totalling 51.1% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 8 positions we hold weights for in LFBE and 3,463 in VTI, against full books of 17 and 3,543.
You are not choosing between two funds in isolation.
Whichever of LFBE 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 is cheaper, LFBE or VTI?
LFBE has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option, by $22 a year on a $10,000 investment.
Which performed better, LFBE or VTI?
Over the past year LFBE returned -8.70% vs +15.41% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), LFBE annualized -1.58% vs +15.86% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LFBE or VTI?
VTI has been the more volatile fund at 13.2% annualized versus 8.2% for LFBE. Worst drawdown: LFBE -11.1% vs VTI -19.3%.
Should I hold both LFBE and VTI?
LFBE and VTI have a monthly-return correlation of 0.07, 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, LFBE or VTI?
LFBE yields 8.46% while VTI yields 1.03%, so LFBE currently pays the higher dividend yield.
Is VTI better than LFBE?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.