LTTI vs VTI
FT Vest 20+ Year Treasury & Target Income 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 | LTTI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $15M | $663.5B | |
| Dividend Yield | 9.16% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | -3.44% | +14.20% | |
| 1Y Return | -2.34% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 8.0% | 15.3% | |
| Max Drawdown | -9.0% | -56.6% | |
| Fund Family | First Trust Portfolios (US) | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Feb 12, 2025 | May 24, 2001 |
LTTI vs VTI Performance
FT Vest 20+ Year Treasury & Target Income ETF (LTTI) is a ETF from First Trust Portfolios (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year LTTI returned -2.34% while VTI returned +24.16%. Year to date, LTTI is down 3.44% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 8.0% for LTTI. 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 -9.0% for LTTI 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 0.21. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LTTI charges 0.65% per year while VTI charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, LTTI currently yields 9.16% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, LTTI or VTI?
LTTI has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, LTTI or VTI?
Over the past year LTTI returned -2.34% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), LTTI annualized -1.14% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, LTTI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 8.0% for LTTI. Worst drawdown: LTTI -9.0% vs VTI -56.6%.
Should I hold both LTTI and VTI?
LTTI and VTI have a monthly-return correlation of 0.21, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, LTTI or VTI?
LTTI yields 9.16% while VTI yields 1.07%, so LTTI currently pays the higher dividend yield.
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