VTI vs XTEN
Vanguard Total Stock Market ETF vs BondBloxx Bloomberg Ten Year Target Duration US Treasury ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | VTI | XTEN | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.08% | |
| AUM | $663.5B | $1.0B | |
| Dividend Yield | 1.07% | 4.28% | |
| Holdings | 3,543 | 71 | |
| YTD Return | +14.96% | -1.60% | |
| 1Y Return | +22.39% | +0.30% | |
| 3Y Return (annualized) | +21.51% | +2.53% | |
| 5Y Return (annualized) | +12.36% | - | |
| Volatility (annualized) | 15.4% | 9.1% | |
| Max Drawdown | -56.6% | -13.9% | |
| Fund Family | Vanguard (US) | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Sep 13, 2022 |
VTI vs XTEN Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and BondBloxx Bloomberg Ten Year Target Duration US Treasury ETF (XTEN) is a ETF from BondBloxx. Over the past year VTI returned +22.39% while XTEN returned +0.30%. Year to date, VTI is up 14.96% versus a loss of 1.60% for XTEN.
Over three years, VTI compounded at +21.51% per year against +2.53% for XTEN. Across the full 4-year window we track, VTI has the edge at +8.16% annualized vs +1.00%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 9.1% for XTEN. 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 -13.9% for XTEN. 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while XTEN charges 0.08%. On a $10,000 position that is $3 vs $8 annually, a gap of $5 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 4.28% for XTEN.
Holdings Overlap
VTI and XTEN share 0 holdings out of 2847 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 XTEN?
VTI has an expense ratio of 0.03% while XTEN charges 0.08%. VTI is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, VTI or XTEN?
Over the past year VTI returned +22.39% vs +0.30% for XTEN, so VTI leads on 1-year performance. Over the longest common window we track (4 years), VTI annualized +8.16% vs +1.00% for XTEN. Past performance does not guarantee future results.
Which is riskier, VTI or XTEN?
VTI has been the more volatile fund at 15.4% annualized versus 9.1% for XTEN. Worst drawdown: VTI -56.6% vs XTEN -13.9%.
Should I hold both VTI and XTEN?
VTI and XTEN have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XTEN?
VTI and XTEN share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2847 unique securities.
Which pays a higher dividend, VTI or XTEN?
VTI yields 1.07% while XTEN yields 4.28%, so XTEN currently pays the higher dividend yield.
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