VTI vs XTWY
Vanguard Morningstar Total Stock Market ETF vs BondBloxx Bloomberg Twenty Year Target Duration US Treasury ETF
Which is better, VTI or XTWY?
Large Cap Blend against Long Term High Quality.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 54.3%.
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 | XTWY |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.13% |
| AUM | $666.9B | $249M |
| Dividend Yield | 1.03% | 4.87% |
| Holdings | 3,543 | 57 |
| YTD Return | +13.60%Best | -7.45% |
| 1Y Return | +18.17%Best | -8.68% |
| 3Y Return (annualized) | +23.04%Best | -0.76% |
| 5Y Return (annualized) | +12.14% | - |
| Volatility (annualized) | 13.6%Best | 16.8% |
| Max Drawdown | -19.3%Best | -25.9% |
| $10,000 over 4 years | $20,550Best | $8,084 |
| Top 10 Weight | 33.3%Best | 54.3% |
| Fund Family | Vanguard (US) | BondBloxx |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Long Term High Quality |
| Inception | May 24, 2001 | Sep 13, 2022 |
Volatility and max drawdown, and the $10,000 over 4 years row, are measured over the window both funds cover: Sep 16, 2022 to Sep 25, 2026 (4 years).
VTI vs XTWY 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 4 years both funds cover.
VTI vs XTWY Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and BondBloxx Bloomberg Twenty Year Target Duration US Treasury ETF (XTWY) is an ETF from BondBloxx. Over the past year VTI returned +18.17% while XTWY returned -8.68%. Year to date, VTI is up 13.60% versus a loss of 7.45% for XTWY.
Over three years, VTI compounded at +23.04% per year against -0.76% for XTWY. Across the full 4-year window we track, VTI has the edge at +19.73% annualized vs -5.18%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XTWY has been the more volatile fund, with annualized monthly volatility of 16.8% compared with 13.6% for VTI. 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 -25.9% for XTWY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.50. They move together some of the time, and apart the rest.
Fees and Cost Over Time
VTI charges 0.03% per year while XTWY charges 0.13%. On a $10,000 position that is $3 vs $13 annually, a gap of $10 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 4.87% for XTWY.
Holdings Overlap
We hold position weights for 3,463 holdings in VTI and 49 in XTWY, totalling 98.1% and 97.7% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 3,463 positions we hold weights for in VTI and 49 in XTWY, against full books of 3,543 and 57.
What only one of them owns
Our book lists 49 positions for XTWY that do not appear in our book for VTI (97.7% of the fund), and 1,150 for VTI that do not appear in XTWY (97.5%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of VTI and XTWY 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 XTWY?
VTI has an expense ratio of 0.03% while XTWY charges 0.13%. VTI is the cheaper option, by $10 a year on a $10,000 investment.
Which performed better, VTI or XTWY?
Over the past year VTI returned +18.17% vs -8.68% for XTWY, so VTI leads on 1-year performance. Over the longest common window we track (4 years), VTI annualized +19.73% vs -5.18% for XTWY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XTWY?
XTWY has been the more volatile fund at 16.8% annualized versus 13.6% for VTI. Worst drawdown: VTI -19.3% vs XTWY -25.9%.
Should I hold both VTI and XTWY?
VTI and XTWY have a monthly-return correlation of 0.50, 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 XTWY?
VTI yields 1.03% while XTWY yields 4.87%, so XTWY currently pays the higher dividend yield.
Is XTWY better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 54.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.