TLDR vs VTI
The Laddered T-Bill ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TLDR or VTI?
Ultrashort Term Bond against Large Cap Blend.
VTI has a lower expense ratio.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | TLDR | VTI |
|---|---|---|
| Expense Ratio | 0.20% | 0.03%Best |
| AUM | $54M | $666.9B |
| Dividend Yield | 2.03% | 1.03% |
| Holdings | 5 | 3,543 |
| YTD Return | +0.06% | +12.57%Best |
| 1Y Return | - | +17.22% |
| 3Y Return (annualized) | - | +20.87% |
| 5Y Return (annualized) | - | +11.86% |
| Fund Family | REX Shares | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Ultrashort Term Bond | Large Cap Blend |
| Inception | Jan 21, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
TLDR vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
TLDR vs VTI Performance
The Laddered T-Bill ETF (TLDR) is an ETF from REX Shares and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, TLDR is up 0.06% versus a gain of 12.57% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
TLDR charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, TLDR currently yields 2.03% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of TLDR and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, TLDR or VTI?
TLDR has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option, by $17 a year on a $10,000 investment.
Which pays a higher dividend, TLDR or VTI?
TLDR yields 2.03% while VTI yields 1.03%, so TLDR currently pays the higher dividend yield.
Is VTI better than TLDR?
VTI has a lower expense ratio. Which one suits a particular account depends on what it is for. This is information, not a recommendation.