SIO vs VTI
Touchstone Strategic Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SIO or VTI?
Intermediate Term Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SIO | VTI |
|---|---|---|
| Expense Ratio | 0.50% | 0.03%Best |
| AUM | $288M | $690.1B |
| Dividend Yield | 7.39% | 1.03% |
| Holdings | 205 | 3,524 |
| YTD Return | -1.62% | +12.51%Best |
| 1Y Return | -0.10% | +15.23%Best |
| 3Y Return (annualized) | +6.96% | +22.50%Best |
| 5Y Return (annualized) | - | +12.31% |
| Volatility (annualized) | 5.7%Best | 14.4% |
| Max Drawdown | -7.3%Best | -19.3% |
| $10,000 over 4.2 years | $12,333 | $20,126Best |
| Fund Family | Touchstone Investments | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Blend |
| Inception | Jul 21, 2022 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.2 years row, are measured over the window both funds cover: Jul 25, 2022 to Oct 1, 2026 (4.2 years).
SIO vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4.2 years both funds cover.
SIO vs VTI Performance
Touchstone Strategic Income ETF (SIO) is an ETF from Touchstone Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SIO returned -0.10% while VTI returned +15.23%. Year to date, SIO is down 1.62% versus a gain of 12.51% for VTI.
Over three years, SIO compounded at +6.96% per year against +22.50% for VTI. Across the full 4-year window we track, VTI has the edge at +18.12% annualized vs +5.12%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 14.4% compared with 5.7% for SIO. 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 -7.3% for SIO and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SIO charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, SIO currently yields 7.39% against 1.03% for VTI.
Holdings Overlap
At least 3.9% of VTI's money is in holdings SIO also owns.
Stated as a floor: for SIO, our book for it covers 42.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
VTI and SIO share little of their money.
9 positions in common, counted across the 105 positions we hold weights for in SIO and 3,463 in VTI, against full books of 205 and 3,524.
Top Shared Holdings
| Stock | Weight in SIO | Weight in VTI | Difference |
|---|---|---|---|
| XOMExxon Mobil Corp. | 0.16% | 0.89% | 0.73% |
| JNJJohnson & Johnson - Common | 0.18% | 0.86% | 0.68% |
| BACBank of America Corp.: Financials | 0.17% | 0.55% | 0.38% |
| GSGoldman Sachs Group Inc/The | 0.16% | 0.40% | 0.24% |
| RTXRaytheon Co. | 0.16% | 0.40% | 0.24% |
| TXNTexas Instrument Inc | 0.13% | 0.35% | 0.22% |
| IBMInternational Business Machines Corp. | 0.16% | 0.29% | 0.13% |
| MDTMedtronic Plc Ordinary Shares | 0.19% | 0.15% | 0.04% |
| SWKStanley Black Decker Inc. | 0.17% | 0.02% | 0.15% |
You are not choosing between two funds in isolation.
Whichever of SIO and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SIO or VTI?
SIO has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option, by $47 a year on a $10,000 investment.
Which performed better, SIO or VTI?
Over the past year SIO returned -0.10% vs +15.23% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), SIO annualized +5.12% vs +18.12% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SIO or VTI?
VTI has been the more volatile fund at 14.4% annualized versus 5.7% for SIO. Worst drawdown: SIO -7.3% vs VTI -19.3%.
Should I hold both SIO and VTI?
SIO and VTI have a monthly-return correlation of 0.70, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SIO and VTI?
At least 3.9% of VTI's money is in holdings SIO also owns. Our book for SIO is partial, so the real figure is this or higher. They hold 9 positions in common, counted across the 105 positions we hold weights for in SIO and 3,463 in VTI.
Which pays a higher dividend, SIO or VTI?
SIO yields 7.39% while VTI yields 1.03%, so SIO currently pays the higher dividend yield.
Is VTI better than SIO?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.