UTRE vs VTI
F/m US Treasury 3 Year Note 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 | UTRE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $9M | $663.5B | |
| Dividend Yield | 3.81% | 1.07% | |
| Holdings | 2 | 3,543 | |
| YTD Return | +0.32% | +14.22% | |
| 1Y Return | +2.05% | +22.19% | |
| 3Y Return (annualized) | +4.39% | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 2.5% | 15.3% | |
| Max Drawdown | -2.8% | -56.6% | |
| Fund Family | US Benchmark Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 28, 2023 | May 24, 2001 |
UTRE vs VTI Performance
F/m US Treasury 3 Year Note ETF (UTRE) is a ETF from US Benchmark Series and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UTRE returned +2.05% while VTI returned +22.19%. Year to date, UTRE is up 0.32% versus a gain of 14.22% for VTI.
Over three years, UTRE compounded at +4.39% per year against +21.27% for VTI. Across the full 3-year window we track, VTI has the edge at +8.14% annualized vs +3.58%. 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 2.5% for UTRE. 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 -2.8% for UTRE 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 0.21. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UTRE 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, UTRE currently yields 3.81% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, UTRE or VTI?
UTRE 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, UTRE or VTI?
Over the past year UTRE returned +2.05% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), UTRE annualized +3.58% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, UTRE or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.5% for UTRE. Worst drawdown: UTRE -2.8% vs VTI -56.6%.
Should I hold both UTRE and VTI?
UTRE and VTI have a monthly-return correlation of 0.21, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, UTRE or VTI?
UTRE yields 3.81% while VTI yields 1.07%, so UTRE currently pays the higher dividend yield.
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