USFI vs VTI
USFI vs VTI
BrandywineGLOBAL - US Fixed Income ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | USFI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $10M | $663.5B | |
| Dividend Yield | 4.25% | 1.07% | |
| Holdings | 59 | 3,543 | |
| YTD Return | +0.78% | +14.20% | |
| 1Y Return | +3.11% | +24.16% | |
| 3Y Return (annualized) | +4.06% | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 7.2% | 15.3% | |
| Max Drawdown | -8.5% | -56.6% | |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 25, 2023 | May 24, 2001 |
USFI vs VTI Performance
BrandywineGLOBAL - US Fixed Income ETF (USFI) is a ETF from Franklin Templeton Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year USFI returned +3.11% while VTI returned +24.16%. Year to date, USFI is up 0.78% versus a gain of 14.20% for VTI.
Over three years, USFI compounded at +4.06% per year against +21.12% for VTI. Across the full 3-year window we track, VTI has the edge at +8.14% annualized vs +3.84%. 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 7.2% for USFI. 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 -8.5% for USFI 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
USFI charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, USFI currently yields 4.25% against 1.07% for VTI.
Holdings Overlap
USFI and VTI share 0 holdings out of 2825 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, USFI or VTI?
USFI has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, USFI or VTI?
Over the past year USFI returned +3.11% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), USFI annualized +3.84% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, USFI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.2% for USFI. Worst drawdown: USFI -8.5% vs VTI -56.6%.
Should I hold both USFI and VTI?
USFI and VTI have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between USFI and VTI?
USFI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2825 unique securities.
Which pays a higher dividend, USFI or VTI?
USFI yields 4.25% while VTI yields 1.07%, so USFI currently pays the higher dividend yield.
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