TBLD vs VTI
Thornburg Income Builder Opportunities Trust 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 | TBLD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.65% | 0.03% | |
| AUM | $759M | $666.9B | |
| Dividend Yield | 5.35% | 1.07% | |
| Holdings | 176 | 3,543 | |
| YTD Return | +14.56% | +13.67% | |
| 1Y Return | +18.39% | +22.17% | |
| 3Y Return (annualized) | +22.18% | +21.93% | |
| 5Y Return (annualized) | +9.79% | +12.51% | |
| Volatility (annualized) | 15.2% | 15.3% | |
| Max Drawdown | -33.6% | -56.6% | |
| Fund Family | Thornburg Investment Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 27, 2021 | May 24, 2001 |
TBLD vs VTI Performance
Thornburg Income Builder Opportunities Trust (TBLD) is a ETF from Thornburg Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TBLD returned +18.39% while VTI returned +22.17%. Year to date, TBLD is up 14.56% versus a gain of 13.67% for VTI.
Over three years, TBLD compounded at +22.18% per year against +21.93% for VTI; over five years the annualized figures are +9.79% and +12.51% respectively. Across the full 5-year window we track, TBLD has the edge at +9.93% annualized vs +8.11%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 15.2% for TBLD. 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 -33.6% for TBLD 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TBLD charges 1.65% per year while VTI charges 0.03%. On a $10,000 position that is $165 vs $3 annually, a gap of $162 per year that compounds over a long holding period. On income, TBLD currently yields 5.35% against 1.07% for VTI.
Holdings Overlap
TBLD and VTI share 15 holdings out of 2879 unique holdings combined, representing a 5.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TBLD or VTI?
TBLD has an expense ratio of 1.65% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $162 per year of difference.
Which performed better, TBLD or VTI?
Over the past year TBLD returned +18.39% vs +22.17% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), TBLD annualized +9.93% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, TBLD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 15.2% for TBLD. Worst drawdown: TBLD -33.6% vs VTI -56.6%.
Should I hold both TBLD and VTI?
TBLD and VTI have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TBLD and VTI?
TBLD and VTI share 15 common holdings with a 5.2% weight overlap. Combined, they hold 2879 unique securities.
Which pays a higher dividend, TBLD or VTI?
TBLD yields 5.35% while VTI yields 1.07%, so TBLD currently pays the higher dividend yield.
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