UTHY vs VTI
F/m US Treasury 30 Year Bond 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 | UTHY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $178M | $663.5B | |
| Dividend Yield | 5.02% | 1.07% | |
| Holdings | 2 | 3,543 | |
| YTD Return | -2.51% | +14.96% | |
| 1Y Return | -1.41% | +22.39% | |
| 3Y Return (annualized) | -0.47% | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 13.1% | 15.4% | |
| Max Drawdown | -21.9% | -56.6% | |
| Fund Family | US Benchmark Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 27, 2023 | May 24, 2001 |
UTHY vs VTI Performance
F/m US Treasury 30 Year Bond ETF (UTHY) is a ETF from US Benchmark Series and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UTHY returned -1.41% while VTI returned +22.39%. Year to date, UTHY is down 2.51% versus a gain of 14.96% for VTI.
Over three years, UTHY compounded at -0.47% per year against +21.51% for VTI. Across the full 3-year window we track, VTI has the edge at +8.16% annualized vs -2.76%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 13.1% for UTHY. 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 -21.9% for UTHY 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UTHY 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, UTHY currently yields 5.02% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, UTHY or VTI?
UTHY 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, UTHY or VTI?
Over the past year UTHY returned -1.41% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), UTHY annualized -2.76% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, UTHY or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 13.1% for UTHY. Worst drawdown: UTHY -21.9% vs VTI -56.6%.
Should I hold both UTHY and VTI?
UTHY and VTI have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, UTHY or VTI?
UTHY yields 5.02% while VTI yields 1.07%, so UTHY currently pays the higher dividend yield.
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