UFIV vs VTI
F/m US Treasury 5 Year Note 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 | UFIV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $31M | $666.9B | |
| Dividend Yield | 3.93% | 1.07% | |
| Holdings | 2 | 3,543 | |
| YTD Return | -0.60% | +13.14% | |
| 1Y Return | +1.22% | +22.35% | |
| 3Y Return (annualized) | +4.15% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 4.1% | 15.3% | |
| Max Drawdown | -5.6% | -56.6% | |
| Fund Family | US Benchmark Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 28, 2023 | May 24, 2001 |
UFIV vs VTI Performance
F/m US Treasury 5 Year Note ETF (UFIV) is a ETF from US Benchmark Series and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UFIV returned +1.22% while VTI returned +22.35%. Year to date, UFIV is down 0.60% versus a gain of 13.14% for VTI.
Over three years, UFIV compounded at +4.15% per year against +21.83% for VTI. Across the full 3-year window we track, VTI has the edge at +8.09% annualized vs +2.87%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.1% for UFIV. 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 -5.6% for UFIV 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UFIV charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, UFIV currently yields 3.93% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, UFIV or VTI?
UFIV has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, UFIV or VTI?
Over the past year UFIV returned +1.22% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), UFIV annualized +2.87% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, UFIV or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.1% for UFIV. Worst drawdown: UFIV -5.6% vs VTI -56.6%.
Should I hold both UFIV and VTI?
UFIV and VTI have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, UFIV or VTI?
UFIV yields 3.93% while VTI yields 1.07%, so UFIV currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.