TLTI vs VTI
NEOS Enhanced Income 20+ Year Treasury Bond 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 | TLTI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.58% | 0.03% | |
| AUM | $17M | $666.9B | |
| Dividend Yield | 6.40% | 1.07% | |
| Holdings | 8 | 3,543 | |
| YTD Return | -5.90% | +13.14% | |
| 1Y Return | -3.55% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 9.2% | 15.3% | |
| Max Drawdown | -10.6% | -56.6% | |
| Fund Family | NEOS | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Dec 12, 2024 | May 24, 2001 |
TLTI vs VTI Performance
NEOS Enhanced Income 20+ Year Treasury Bond ETF (TLTI) is a ETF from NEOS and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TLTI returned -3.55% while VTI returned +22.35%. Year to date, TLTI is down 5.90% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 9.2% for TLTI. 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 -10.6% for TLTI 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 0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TLTI charges 0.58% per year while VTI charges 0.03%. On a $10,000 position that is $58 vs $3 annually, a gap of $55 per year that compounds over a long holding period. On income, TLTI currently yields 6.40% against 1.07% for VTI.
Holdings Overlap
TLTI and VTI share 0 holdings out of 2788 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, TLTI or VTI?
TLTI has an expense ratio of 0.58% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $55 per year of difference.
Which performed better, TLTI or VTI?
Over the past year TLTI returned -3.55% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), TLTI annualized -4.14% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, TLTI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.2% for TLTI. Worst drawdown: TLTI -10.6% vs VTI -56.6%.
Should I hold both TLTI and VTI?
TLTI and VTI have a monthly-return correlation of 0.08, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TLTI and VTI?
TLTI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, TLTI or VTI?
TLTI yields 6.40% while VTI yields 1.07%, so TLTI currently pays the higher dividend yield.
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