VTI vs XHLF
Vanguard Morningstar Total Stock Market ETF vs BondBloxx Bloomberg Six Month Target Duration US Treasury ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XHLF | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $666.9B | $2.0B | |
| Dividend Yield | 1.07% | 3.81% | |
| Holdings | 3,543 | 28 | |
| YTD Return | +13.14% | +2.17% | |
| 1Y Return | +20.29% | +3.71% | |
| 3Y Return (annualized) | +21.42% | +4.42% | |
| 5Y Return (annualized) | +12.00% | - | |
| Volatility (annualized) | 15.3% | 0.4% | |
| Max Drawdown | -56.6% | -0.3% | |
| Fund Family | Vanguard (US) | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Sep 13, 2022 |
VTI vs XHLF Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and BondBloxx Bloomberg Six Month Target Duration US Treasury ETF (XHLF) is a ETF from BondBloxx. Over the past year VTI returned +20.29% while XHLF returned +3.71%. Year to date, VTI is up 13.14% versus a gain of 2.17% for XHLF.
Over three years, VTI compounded at +21.42% per year against +4.42% for XHLF. Across the full 4-year window we track, VTI has the edge at +8.08% annualized vs +4.31%. 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 0.4% for XHLF. 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 -0.3% for XHLF. 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 0.05. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while XHLF charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, VTI currently yields 1.07% against 3.81% for XHLF.
Holdings Overlap
VTI and XHLF 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 XHLF?
VTI has an expense ratio of 0.03% while XHLF charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, VTI or XHLF?
Over the past year VTI returned +20.29% vs +3.71% for XHLF, so VTI leads on 1-year performance. Over the longest common window we track (4 years), VTI annualized +8.08% vs +4.31% for XHLF. Past performance does not guarantee future results.
Which is riskier, VTI or XHLF?
VTI has been the more volatile fund at 15.3% annualized versus 0.4% for XHLF. Worst drawdown: VTI -56.6% vs XHLF -0.3%.
Should I hold both VTI and XHLF?
VTI and XHLF have a monthly-return correlation of 0.05, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XHLF?
VTI and XHLF share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, VTI or XHLF?
VTI yields 1.07% while XHLF yields 3.81%, so XHLF currently pays the higher dividend yield.
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