STEN vs VTI
iShares Large Cap 10% Target Buffer Sep 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 | STEN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $40M | $666.9B | |
| Dividend Yield | 0.17% | 1.07% | |
| Holdings | 8 | 3,543 | |
| YTD Return | +11.23% | +13.86% | |
| 1Y Return | +13.22% | +20.74% | |
| 3Y Return (annualized) | - | +21.66% | |
| 5Y Return (annualized) | - | +11.90% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -6.2% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Sep 30, 2025 | May 24, 2001 |
STEN vs VTI Performance
iShares Large Cap 10% Target Buffer Sep ETF (STEN) is a ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year STEN returned +13.22% while VTI returned +20.74%. Year to date, STEN is up 11.23% versus a gain of 13.86% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -6.2% for STEN and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
STEN 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, STEN currently yields 0.17% against 1.07% for VTI.
Holdings Overlap
STEN and VTI share 0 holdings out of 2789 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, STEN or VTI?
STEN has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, STEN or VTI?
Over the past year STEN returned +13.22% vs +20.74% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between STEN and VTI?
STEN and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, STEN or VTI?
STEN yields 0.17% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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