SJLD vs VTI
SanJac Alpha Low Duration ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SJLD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $3M | $666.9B | |
| Dividend Yield | 4.41% | 1.07% | |
| Holdings | 11 | 3,543 | |
| YTD Return | +2.64% | +13.14% | |
| 1Y Return | +4.21% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 1.9% | 15.3% | |
| Max Drawdown | -1.0% | -56.6% | |
| Fund Family | SanJac Alpha | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 9, 2024 | May 24, 2001 |
SJLD vs VTI Performance
SanJac Alpha Low Duration ETF (SJLD) is a ETF from SanJac Alpha and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SJLD returned +4.21% while VTI returned +22.35%. Year to date, SJLD is up 2.64% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 1.9% for SJLD. 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 SJLD 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 -0.02. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SJLD charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, SJLD currently yields 4.41% against 1.07% for VTI.
Holdings Overlap
SJLD and VTI share 0 holdings out of 2795 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, SJLD or VTI?
SJLD has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, SJLD or VTI?
Over the past year SJLD returned +4.21% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SJLD annualized +5.70% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, SJLD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.9% for SJLD. Worst drawdown: SJLD -1.0% vs VTI -56.6%.
Should I hold both SJLD and VTI?
SJLD and VTI have a monthly-return correlation of -0.02, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SJLD and VTI?
SJLD and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2795 unique securities.
Which pays a higher dividend, SJLD or VTI?
SJLD yields 4.41% while VTI yields 1.07%, so SJLD currently pays the higher dividend yield.
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