TRBF vs VTI
Angel Oak Total Return ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TRBF or VTI?
Intermediate Term Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y.
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 | TRBF | VTI |
|---|---|---|
| Expense Ratio | 0.44% | 0.03%Best |
| AUM | $49M | $690.1B |
| Dividend Yield | 4.38% | 1.03% |
| Holdings | 641 | 3,524 |
| YTD Return | -2.62% | +13.35%Best |
| 1Y Return | -1.90% | +15.92%Best |
| 3Y Return (annualized) | - | +23.41% |
| 5Y Return (annualized) | - | +12.83% |
| Volatility (annualized) | 4.4%Best | 13.1% |
| Fund Family | Angel Oak Capital Advisors | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Blend |
| Inception | Oct 7, 2025 | May 24, 2001 |
Not shown on this pair: Max Drawdown, $10,000 over the window, Top 10 Weight.
TRBF 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.
TRBF vs VTI Performance
Angel Oak Total Return ETF (TRBF) is an ETF from Angel Oak Capital Advisors and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TRBF returned -1.90% while VTI returned +15.92%. Year to date, TRBF is down 2.62% versus a gain of 13.35% 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 13.1% compared with 4.4% for TRBF. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The two funds' monthly returns correlate at 0.35. They move together some of the time, and apart the rest.
Fees and Cost Over Time
TRBF charges 0.44% per year while VTI charges 0.03%. On a $10,000 position that is $44 vs $3 annually, a gap of $41 per year that compounds over a long holding period. On income, TRBF currently yields 4.38% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 216 holdings in TRBF and 3,463 in VTI, totalling 50.8% and 98.1% 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 46 days apart, TRBF as of Sep 15, 2026 and VTI as of Jul 31, 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 216 positions we hold weights for in TRBF and 3,463 in VTI, against full books of 641 and 3,524.
You are not choosing between two funds in isolation.
Whichever of TRBF 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, TRBF or VTI?
TRBF has an expense ratio of 0.44% while VTI charges 0.03%. VTI is the cheaper option, by $41 a year on a $10,000 investment.
Which performed better, TRBF or VTI?
Over the past year TRBF returned -1.90% vs +15.92% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TRBF or VTI?
VTI has been the more volatile fund at 13.1% annualized versus 4.4% for TRBF.
Should I hold both TRBF and VTI?
TRBF and VTI have a monthly-return correlation of 0.35, 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, TRBF or VTI?
TRBF yields 4.38% while VTI yields 1.03%, so TRBF currently pays the higher dividend yield.
Is VTI better than TRBF?
VTI has a lower expense ratio. VTI led over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.