TIPB vs VTI
Northern Trust 2035 Inflation-Linked Distributing Ladder 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 | TIPB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $8M | $663.5B | |
| Dividend Yield | 3.48% | 1.07% | |
| Holdings | 11 | 3,543 | |
| YTD Return | +3.14% | +14.22% | |
| 1Y Return | +4.40% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 2.1% | 15.3% | |
| Max Drawdown | -1.3% | -56.6% | |
| Fund Family | Northern Trust Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 1, 2025 | May 24, 2001 |
TIPB vs VTI Performance
Northern Trust 2035 Inflation-Linked Distributing Ladder ETF (TIPB) is a ETF from Northern Trust Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TIPB returned +4.40% while VTI returned +22.19%. Year to date, TIPB is up 3.14% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.1% for TIPB. 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 -1.3% for TIPB 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TIPB charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, TIPB currently yields 3.48% against 1.07% for VTI.
Holdings Overlap
TIPB and VTI share 0 holdings out of 2791 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, TIPB or VTI?
TIPB has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, TIPB or VTI?
Over the past year TIPB returned +4.40% vs +22.19% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, TIPB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.1% for TIPB. Worst drawdown: TIPB -1.3% vs VTI -56.6%.
Should I hold both TIPB and VTI?
TIPB and VTI have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TIPB and VTI?
TIPB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, TIPB or VTI?
TIPB yields 3.48% while VTI yields 1.07%, so TIPB currently pays the higher dividend yield.
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