SBIL vs VTI
Simplify Government Money Market 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 | SBIL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $5.0B | $663.5B | |
| Dividend Yield | 3.56% | 1.07% | |
| Holdings | 115 | 3,543 | |
| YTD Return | +2.16% | +13.87% | |
| 1Y Return | +3.82% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 0.2% | 15.3% | |
| Max Drawdown | -0.0% | -56.6% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Money Market | Equity | |
| Inception | Jul 14, 2025 | May 24, 2001 |
SBIL vs VTI Performance
Simplify Government Money Market ETF (SBIL) is a ETF from Simplify Exchange Traded Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SBIL returned +3.82% while VTI returned +23.31%. Year to date, SBIL is up 2.16% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 0.2% for SBIL. 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 -0.0% for SBIL 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 0.05. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SBIL charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, SBIL currently yields 3.56% against 1.07% for VTI.
Holdings Overlap
SBIL and VTI share 0 holdings out of 2798 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, SBIL or VTI?
SBIL has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, SBIL or VTI?
Over the past year SBIL returned +3.82% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), SBIL annualized +3.84% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, SBIL or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 0.2% for SBIL. Worst drawdown: SBIL -0.0% vs VTI -56.6%.
Should I hold both SBIL and VTI?
SBIL and VTI have a monthly-return correlation of 0.05, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SBIL and VTI?
SBIL and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2798 unique securities.
Which pays a higher dividend, SBIL or VTI?
SBIL yields 3.56% while VTI yields 1.07%, so SBIL currently pays the higher dividend yield.
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