UTRE vs VTI
F/m US Treasury 3 Year Note ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, UTRE or VTI?
Long Term High Yield Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | UTRE | VTI |
|---|---|---|
| Expense Ratio | 0.15% | 0.03%Best |
| AUM | $11M | $666.9B |
| Dividend Yield | 3.86% | 1.03% |
| Holdings | 2 | 3,543 |
| YTD Return | -1.09% | +13.14%Best |
| 1Y Return | -0.11% | +16.63%Best |
| 3Y Return (annualized) | +3.94% | +22.30%Best |
| 5Y Return (annualized) | - | +12.01% |
| Volatility (annualized) | 2.6%Best | 12.9% |
| Max Drawdown | -2.8%Best | -19.3% |
| $10,000 over 3.5 years | $11,105 | $20,068Best |
| Fund Family | US Benchmark Series | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term High Yield Bond | Large Cap Blend |
| Inception | Mar 28, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.5 years row, are measured over the window both funds cover: Mar 28, 2023 to Sep 23, 2026 (3.5 years).
UTRE vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3.5 years both funds cover.
UTRE vs VTI Performance
F/m US Treasury 3 Year Note ETF (UTRE) is an ETF from US Benchmark Series and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year UTRE returned -0.11% while VTI returned +16.63%. Year to date, UTRE is down 1.09% versus a gain of 13.14% for VTI.
Over three years, UTRE compounded at +3.94% per year against +22.30% for VTI. Across the full 4-year window we track, VTI has the edge at +22.02% annualized vs +3.04%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.9% compared with 2.6% 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 -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.22. They move largely independently of each other.
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 3.86% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of UTRE and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $12 a year on a $10,000 investment.
Which performed better, UTRE or VTI?
Over the past year UTRE returned -0.11% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), UTRE annualized +3.04% vs +22.02% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, UTRE or VTI?
VTI has been the more volatile fund at 12.9% annualized versus 2.6% for UTRE. Worst drawdown: UTRE -2.8% vs VTI -19.3%.
Should I hold both UTRE and VTI?
UTRE and VTI have a monthly-return correlation of 0.22, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, UTRE or VTI?
UTRE yields 3.86% while VTI yields 1.03%, so UTRE currently pays the higher dividend yield.
Is VTI better than UTRE?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.