VTI vs XBIL
Vanguard Morningstar Total Stock Market ETF vs F/m US Treasury 6 Month Bill ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XBIL | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.15% | |
| AUM | $666.9B | $749M | |
| Dividend Yield | 1.07% | 4.02% | |
| Holdings | 3,543 | 2 | |
| YTD Return | +12.65% | +2.23% | |
| 1Y Return | +21.39% | +3.81% | |
| 3Y Return (annualized) | +21.54% | +4.98% | |
| 5Y Return (annualized) | +12.11% | - | |
| Volatility (annualized) | 15.3% | 0.5% | |
| Max Drawdown | -56.6% | -0.1% | |
| Fund Family | Vanguard (US) | US Benchmark Series | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Mar 7, 2023 |
VTI vs XBIL Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and F/m US Treasury 6 Month Bill ETF (XBIL) is a ETF from US Benchmark Series. Over the past year VTI returned +21.39% while XBIL returned +3.81%. Year to date, VTI is up 12.65% versus a gain of 2.23% for XBIL.
Over three years, VTI compounded at +21.54% per year against +4.98% for XBIL. Across the full 4-year window we track, VTI has the edge at +8.07% annualized vs +4.97%. 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 0.5% for XBIL. 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 -56.6% for VTI and -0.1% for XBIL. 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 0.19. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while XBIL charges 0.15%. On a $10,000 position that is $3 vs $15 annually, a gap of $12 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 4.02% for XBIL.
Holdings Overlap
VTI and XBIL share 0 holdings out of 2788 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, VTI or XBIL?
VTI has an expense ratio of 0.03% while XBIL charges 0.15%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, VTI or XBIL?
Over the past year VTI returned +21.39% vs +3.81% for XBIL, so VTI leads on 1-year performance. Over the longest common window we track (4 years), VTI annualized +8.07% vs +4.97% for XBIL. Past performance does not guarantee future results.
Which is riskier, VTI or XBIL?
VTI has been the more volatile fund at 15.3% annualized versus 0.5% for XBIL. Worst drawdown: VTI -56.6% vs XBIL -0.1%.
Should I hold both VTI and XBIL?
VTI and XBIL have a monthly-return correlation of 0.19, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XBIL?
VTI and XBIL share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, VTI or XBIL?
VTI yields 1.07% while XBIL yields 4.02%, so XBIL currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.