TLTI vs VTI
NEOS Enhanced Income 20+ Year Treasury Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TLTI or VTI?
Long Term Government Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
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 | TLTI | VTI |
|---|---|---|
| Expense Ratio | 0.58% | 0.03%Best |
| AUM | $17M | $666.9B |
| Dividend Yield | 6.34% | 1.03% |
| Holdings | 8 | 3,543 |
| YTD Return | -7.09% | +12.57%Best |
| 1Y Return | -9.06% | +17.22%Best |
| 3Y Return (annualized) | - | +20.87% |
| 5Y Return (annualized) | - | +11.86% |
| Volatility (annualized) | 9.1%Best | 12.7% |
| Max Drawdown | -11.4%Best | -19.3% |
| $10,000 over 1.7 years | $9,214 | $12,650Best |
| Fund Family | NEOS | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term Government Bond | Large Cap Blend |
| Inception | Dec 12, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.7 years row, are measured over the window both funds cover: Dec 11, 2024 to Sep 11, 2026 (1.7 years).
TLTI 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 covers the 1.7 years both funds cover.
TLTI vs VTI Performance
NEOS Enhanced Income 20+ Year Treasury Bond ETF (TLTI) is an ETF from NEOS and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TLTI returned -9.06% while VTI returned +17.22%. Year to date, TLTI is down 7.09% versus a gain of 12.57% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.7% compared with 9.1% 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 -11.4% for TLTI and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.11. They move largely independently of each other.
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 6.34% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 1 holding in TLTI and 2,787 in VTI, totalling 97.4% and 90.6% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 63 days apart, TLTI as of Sep 1, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 1 positions we hold weights for in TLTI and 2,787 in VTI, against full books of 8 and 3,543.
You are not choosing between two funds in isolation.
Whichever of TLTI 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, TLTI or VTI?
TLTI has an expense ratio of 0.58% while VTI charges 0.03%. VTI is the cheaper option, by $55 a year on a $10,000 investment.
Which performed better, TLTI or VTI?
Over the past year TLTI returned -9.06% vs +17.22% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), TLTI annualized -4.70% vs +14.83% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TLTI or VTI?
VTI has been the more volatile fund at 12.7% annualized versus 9.1% for TLTI. Worst drawdown: TLTI -11.4% vs VTI -19.3%.
Should I hold both TLTI and VTI?
TLTI and VTI have a monthly-return correlation of 0.11, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, TLTI or VTI?
TLTI yields 6.34% while VTI yields 1.03%, so TLTI currently pays the higher dividend yield.
Is VTI better than TLTI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.