VTI vs XBIL
Vanguard Morningstar Total Stock Market ETF vs F/m US Treasury 6 Month Bill ETF
Which is better, VTI or XBIL?
Large Cap Blend against Municipal Bond.
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 | VTI | XBIL |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.15% |
| AUM | $666.9B | $748M |
| Dividend Yield | 1.03% | 4.00% |
| Holdings | 3,543 | 2 |
| YTD Return | +12.30%Best | +2.42% |
| 1Y Return | +16.08%Best | +3.59% |
| 3Y Return (annualized) | +21.01%Best | +4.90% |
| 5Y Return (annualized) | +12.36% | - |
| Volatility (annualized) | 12.9% | 0.5%Best |
| Max Drawdown | -19.3% | -0.1%Best |
| $10,000 over 3.5 years | $19,521Best | $11,827 |
| Fund Family | Vanguard (US) | US Benchmark Series |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Municipal Bond |
| Inception | May 24, 2001 | Mar 7, 2023 |
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 7, 2023 to Sep 18, 2026 (3.5 years).
VTI vs XBIL 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.
VTI vs XBIL Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and F/m US Treasury 6 Month Bill ETF (XBIL) is an ETF from US Benchmark Series. Over the past year VTI returned +16.08% while XBIL returned +3.59%. Year to date, VTI is up 12.30% versus a gain of 2.42% for XBIL.
Over three years, VTI compounded at +21.01% per year against +4.90% for XBIL. Across the full 4-year window we track, VTI has the edge at +21.06% annualized vs +4.91%.
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 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 -19.3% for VTI and -0.1% for XBIL. 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
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 1.03% against 4.00% for XBIL.
You are not choosing between two funds in isolation.
Whichever of VTI and XBIL 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, VTI or XBIL?
VTI has an expense ratio of 0.03% while XBIL charges 0.15%. VTI is the cheaper option, by $12 a year on a $10,000 investment.
Which performed better, VTI or XBIL?
Over the past year VTI returned +16.08% vs +3.59% for XBIL, so VTI leads on 1-year performance. Over the longest common window we track (4 years), VTI annualized +21.06% vs +4.91% for XBIL. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XBIL?
VTI has been the more volatile fund at 12.9% annualized versus 0.5% for XBIL. Worst drawdown: VTI -19.3% vs XBIL -0.1%.
Should I hold both VTI and XBIL?
VTI and XBIL 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, VTI or XBIL?
VTI yields 1.03% while XBIL yields 4.00%, so XBIL currently pays the higher dividend yield.
Is XBIL better than VTI?
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.