MBSF vs VTI
REGAN FLOATING RATE MBS 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 | MBSF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $235M | $663.5B | |
| Dividend Yield | 4.47% | 1.07% | |
| Holdings | 388 | 3,543 | |
| YTD Return | +2.26% | +14.22% | |
| 1Y Return | +4.94% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 1.4% | 15.3% | |
| Max Drawdown | -1.0% | -56.6% | |
| Fund Family | Regan Capital | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 27, 2024 | May 24, 2001 |
MBSF vs VTI Performance
REGAN FLOATING RATE MBS ETF (MBSF) is a ETF from Regan Capital and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MBSF returned +4.94% while VTI returned +22.19%. Year to date, MBSF is up 2.26% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 1.4% for MBSF. 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 MBSF 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 0.34. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MBSF charges 0.49% per year while VTI charges 0.03%. On a $10,000 position that is $49 vs $3 annually, a gap of $46 per year that compounds over a long holding period. On income, MBSF currently yields 4.47% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, MBSF or VTI?
MBSF has an expense ratio of 0.49% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $46 per year of difference.
Which performed better, MBSF or VTI?
Over the past year MBSF returned +4.94% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), MBSF annualized +5.69% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, MBSF or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.4% for MBSF. Worst drawdown: MBSF -1.0% vs VTI -56.6%.
Should I hold both MBSF and VTI?
MBSF and VTI have a monthly-return correlation of 0.34, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, MBSF or VTI?
MBSF yields 4.47% while VTI yields 1.07%, so MBSF currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.