VTI vs ZTRE
Vanguard Morningstar Total Stock Market ETF vs F/m 3-Year Investment Grade Corporate Bond 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 | ZTRE | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.15% | |
| AUM | $666.9B | $42M | |
| Dividend Yield | 1.07% | 4.57% | |
| Holdings | 3,543 | 490 | |
| YTD Return | +13.14% | +1.10% | |
| 1Y Return | +22.35% | +3.21% | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 2.0% | |
| Max Drawdown | -56.6% | -1.4% | |
| Fund Family | Vanguard (US) | F-m investments | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Jan 10, 2024 |
VTI vs ZTRE Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and F/m 3-Year Investment Grade Corporate Bond ETF (ZTRE) is a ETF from F-m investments. Over the past year VTI returned +22.35% while ZTRE returned +3.21%. Year to date, VTI is up 13.14% versus a gain of 1.10% for ZTRE.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.0% for ZTRE. 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 -1.4% for ZTRE. 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while ZTRE 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 4.57% for ZTRE.
Holdings Overlap
VTI and ZTRE share 0 holdings out of 3159 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 ZTRE?
VTI has an expense ratio of 0.03% while ZTRE 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 ZTRE?
Over the past year VTI returned +22.35% vs +3.21% for ZTRE, so VTI leads on 1-year performance. Over the longest common window we track (3 years), VTI annualized +8.09% vs +4.72% for ZTRE. Past performance does not guarantee future results.
Which is riskier, VTI or ZTRE?
VTI has been the more volatile fund at 15.3% annualized versus 2.0% for ZTRE. Worst drawdown: VTI -56.6% vs ZTRE -1.4%.
Should I hold both VTI and ZTRE?
VTI and ZTRE have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and ZTRE?
VTI and ZTRE share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3159 unique securities.
Which pays a higher dividend, VTI or ZTRE?
VTI yields 1.07% while ZTRE yields 4.57%, so ZTRE currently pays the higher dividend yield.
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