OBTC vs VTI
OBTC vs VTI
Osprey Bitcoin Trust 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 | OBTC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $61M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 2 | 3,543 | |
| YTD Return | -27.58% | +14.20% | |
| 1Y Return | -35.85% | +24.16% | |
| 3Y Return (annualized) | +42.05% | +21.12% | |
| 5Y Return (annualized) | +4.57% | +12.37% | |
| Volatility (annualized) | 64.4% | 15.3% | |
| Max Drawdown | -94.5% | -56.6% | |
| Fund Family | Osprey Funds | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Dec 19, 2025 | May 24, 2001 |
OBTC vs VTI Performance
Osprey Bitcoin Trust (OBTC) is a ETF from Osprey Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year OBTC returned -35.85% while VTI returned +24.16%. Year to date, OBTC is down 27.58% versus a gain of 14.20% for VTI.
Over three years, OBTC compounded at +42.05% per year against +21.12% for VTI; over five years the annualized figures are +4.57% and +12.37% respectively. Across the full 6-year window we track, VTI has the edge at +8.14% annualized vs -14.73%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
OBTC has been the more volatile fund, with annualized monthly volatility of 64.4% compared with 15.3% for VTI. 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 -94.5% for OBTC 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 0.45. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
OBTC 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, OBTC currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, OBTC or VTI?
OBTC 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, OBTC or VTI?
Over the past year OBTC returned -35.85% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), OBTC annualized -14.73% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, OBTC or VTI?
OBTC has been the more volatile fund at 64.4% annualized versus 15.3% for VTI. Worst drawdown: OBTC -94.5% vs VTI -56.6%.
Should I hold both OBTC and VTI?
OBTC and VTI have a monthly-return correlation of 0.45, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, OBTC or VTI?
OBTC yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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