UTWY vs VTI
F/m US Treasury 20 Year Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, UTWY 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 | UTWY | VTI |
|---|---|---|
| Expense Ratio | 0.15% | 0.03%Best |
| AUM | $8M | $666.9B |
| Dividend Yield | 5.24% | 1.03% |
| Holdings | 2 | 3,543 |
| YTD Return | -3.95% | +11.65%Best |
| 1Y Return | -4.74% | +17.34%Best |
| 3Y Return (annualized) | +0.70% | +20.35%Best |
| 5Y Return (annualized) | - | +11.72% |
| Volatility (annualized) | 10.6%Best | 12.9% |
| Max Drawdown | -18.2%Best | -19.3% |
| $10,000 over 3.5 years | $9,485 | $19,942Best |
| 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 10, 2026 (3.5 years).
UTWY 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.
UTWY vs VTI Performance
F/m US Treasury 20 Year Bond ETF (UTWY) 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 UTWY returned -4.74% while VTI returned +17.34%. Year to date, UTWY is down 3.95% versus a gain of 11.65% for VTI.
Over three years, UTWY compounded at +0.70% per year against +20.35% for VTI. Across the full 4-year window we track, VTI has the edge at +21.80% annualized vs -1.50%.
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 10.6% for UTWY. 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 -18.2% for UTWY 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 0.52. They move together some of the time, and apart the rest.
Fees and Cost Over Time
UTWY 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, UTWY currently yields 5.24% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of UTWY 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, UTWY or VTI?
UTWY 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, UTWY or VTI?
Over the past year UTWY returned -4.74% vs +17.34% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), UTWY annualized -1.50% vs +21.80% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, UTWY or VTI?
VTI has been the more volatile fund at 12.9% annualized versus 10.6% for UTWY. Worst drawdown: UTWY -18.2% vs VTI -19.3%.
Should I hold both UTWY and VTI?
UTWY and VTI have a monthly-return correlation of 0.52, 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, UTWY or VTI?
UTWY yields 5.24% while VTI yields 1.03%, so UTWY currently pays the higher dividend yield.
Is VTI better than UTWY?
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.