TBLL vs VTI
Invesco Short Term Treasury 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 | TBLL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $2.6B | $663.5B | |
| Dividend Yield | 3.76% | 1.07% | |
| Holdings | 86 | 3,543 | |
| YTD Return | +2.13% | +14.96% | |
| 1Y Return | +3.79% | +22.39% | |
| 3Y Return (annualized) | +4.56% | +21.51% | |
| 5Y Return (annualized) | +3.50% | +12.36% | |
| Volatility (annualized) | 0.8% | 15.4% | |
| Max Drawdown | -1.0% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 10, 2017 | May 24, 2001 |
TBLL vs VTI Performance
Invesco Short Term Treasury ETF (TBLL) is a ETF from Invesco (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TBLL returned +3.79% while VTI returned +22.39%. Year to date, TBLL is up 2.13% versus a gain of 14.96% for VTI.
Over three years, TBLL compounded at +4.56% per year against +21.51% for VTI; over five years the annualized figures are +3.50% and +12.36% respectively. Across the full 10-year window we track, VTI has the edge at +8.16% annualized vs +1.84%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 0.8% for TBLL. 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 TBLL 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 -0.01. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TBLL charges 0.08% per year while VTI charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, TBLL currently yields 3.76% against 1.07% for VTI.
Holdings Overlap
TBLL and VTI share 0 holdings out of 2827 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, TBLL or VTI?
TBLL has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, TBLL or VTI?
Over the past year TBLL returned +3.79% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), TBLL annualized +1.84% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, TBLL or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 0.8% for TBLL. Worst drawdown: TBLL -1.0% vs VTI -56.6%.
Should I hold both TBLL and VTI?
TBLL and VTI have a monthly-return correlation of -0.01, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TBLL and VTI?
TBLL and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2827 unique securities.
Which pays a higher dividend, TBLL or VTI?
TBLL yields 3.76% while VTI yields 1.07%, so TBLL currently pays the higher dividend yield.
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