TRSY vs VTI
Xtrackers US 0-1 Year Treasury 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 | TRSY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.03% | |
| AUM | $93M | $666.9B | |
| Dividend Yield | 3.65% | 1.07% | |
| Holdings | 88 | 3,543 | |
| YTD Return | +0.42% | +12.65% | |
| 1Y Return | +1.61% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 0.6% | 15.3% | |
| Max Drawdown | -0.8% | -56.6% | |
| Fund Family | Xtrackers ETFs | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 9, 2024 | May 24, 2001 |
TRSY vs VTI Performance
Xtrackers US 0-1 Year Treasury ETF (TRSY) is a ETF from Xtrackers ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TRSY returned +1.61% while VTI returned +21.39%. Year to date, TRSY is up 0.42% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 0.6% for TRSY. 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 -0.8% for TRSY 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 0.07. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TRSY charges 0.06% per year while VTI charges 0.03%. On a $10,000 position that is $6 vs $3 annually, a gap of $3 per year that compounds over a long holding period. On income, TRSY currently yields 3.65% against 1.07% for VTI.
Holdings Overlap
TRSY and VTI share 0 holdings out of 2835 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, TRSY or VTI?
TRSY has an expense ratio of 0.06% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, TRSY or VTI?
Over the past year TRSY returned +1.61% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), TRSY annualized +2.86% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, TRSY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 0.6% for TRSY. Worst drawdown: TRSY -0.8% vs VTI -56.6%.
Should I hold both TRSY and VTI?
TRSY and VTI have a monthly-return correlation of 0.07, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TRSY and VTI?
TRSY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2835 unique securities.
Which pays a higher dividend, TRSY or VTI?
TRSY yields 3.65% while VTI yields 1.07%, so TRSY currently pays the higher dividend yield.
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