MUJ vs VTI
BlackRock MuniHoldings New Jersey Quality Fund, Inc 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 | MUJ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.77% | 0.03% | |
| AUM | $657M | $663.5B | |
| Dividend Yield | 5.10% | 1.07% | |
| Holdings | 242 | 3,543 | |
| YTD Return | +5.99% | +13.87% | |
| 1Y Return | +17.75% | +23.31% | |
| 3Y Return (annualized) | +9.45% | +21.17% | |
| 5Y Return (annualized) | +0.04% | +12.23% | |
| Volatility (annualized) | 12.2% | 15.3% | |
| Max Drawdown | -47.8% | -56.6% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Mar 11, 1998 | May 24, 2001 |
MUJ vs VTI Performance
BlackRock MuniHoldings New Jersey Quality Fund, Inc (MUJ) is a ETF from BlackRock, Inc. (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MUJ returned +17.75% while VTI returned +23.31%. Year to date, MUJ is up 5.99% versus a gain of 13.87% for VTI.
Over three years, MUJ compounded at +9.45% per year against +21.17% for VTI; over five years the annualized figures are +0.04% and +12.23% respectively. Across the full 25-year window we track, VTI has the edge at +8.13% annualized vs +0.26%. 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 12.2% for MUJ. 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 -47.8% for MUJ 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 0.22. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MUJ charges 1.77% per year while VTI charges 0.03%. On a $10,000 position that is $177 vs $3 annually, a gap of $174 per year that compounds over a long holding period. On income, MUJ currently yields 5.10% against 1.07% for VTI.
Holdings Overlap
MUJ and VTI share 0 holdings out of 2830 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, MUJ or VTI?
MUJ has an expense ratio of 1.77% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $174 per year of difference.
Which performed better, MUJ or VTI?
Over the past year MUJ returned +17.75% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (25 years), MUJ annualized +0.26% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, MUJ or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.2% for MUJ. Worst drawdown: MUJ -47.8% vs VTI -56.6%.
Should I hold both MUJ and VTI?
MUJ and VTI have a monthly-return correlation of 0.22, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MUJ and VTI?
MUJ and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2830 unique securities.
Which pays a higher dividend, MUJ or VTI?
MUJ yields 5.10% while VTI yields 1.07%, so MUJ currently pays the higher dividend yield.
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