VTILX vs VTV
Vanguard Total International Bond II Index Fund Class Institutional vs Vanguard Morningstar Value ETF
Quick Verdict
VTV has a lower expense ratio. VTV delivered stronger 1-year returns. VTILX offers more diversification with 7,391 holdings.
Side-by-Side Comparison
| Metric | VTILX | VTV | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $141.9B | $187.8B | |
| Dividend Yield | 4.19% | 1.85% | |
| Holdings | 7,391 | 311 | |
| YTD Return | -0.88% | +19.23% | |
| 1Y Return | -3.01% | +28.70% | |
| 3Y Return (annualized) | -0.27% | +19.34% | |
| 5Y Return (annualized) | - | +12.48% | |
| Volatility (annualized) | 6.0% | 14.5% | |
| Max Drawdown | -15.3% | -61.3% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 17, 2021 | Jan 26, 2004 |
VTILX vs VTV Performance
Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US) and Vanguard Morningstar Value ETF (VTV) is a ETF from Vanguard (US). Over the past year VTILX returned -3.01% while VTV returned +28.70%. Year to date, VTILX is down 0.88% versus a gain of 19.23% for VTV.
Over three years, VTILX compounded at -0.27% per year against +19.34% for VTV. Across the full 5-year window we track, VTV has the edge at +7.65% annualized vs -2.80%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTV has been the more volatile fund, with annualized monthly volatility of 14.5% compared with 6.0% for VTILX. 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 -15.3% for VTILX and -61.3% for VTV. 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTILX charges 0.07% per year while VTV charges 0.03%. On a $10,000 position that is $7 vs $3 annually, a gap of $4 per year that compounds over a long holding period. On income, VTILX currently yields 4.19% against 1.85% for VTV.
Holdings Overlap
VTILX and VTV share 9 holdings out of 1758 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, VTILX or VTV?
VTILX has an expense ratio of 0.07% while VTV charges 0.03%. VTV is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, VTILX or VTV?
Over the past year VTILX returned -3.01% vs +28.70% for VTV, so VTV leads on 1-year performance. Over the longest common window we track (5 years), VTILX annualized -2.80% vs +7.65% for VTV. Past performance does not guarantee future results.
Which is riskier, VTILX or VTV?
VTV has been the more volatile fund at 14.5% annualized versus 6.0% for VTILX. Worst drawdown: VTILX -15.3% vs VTV -61.3%.
Should I hold both VTILX and VTV?
VTILX and VTV have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTILX and VTV?
VTILX and VTV share 9 common holdings with a 0.0% weight overlap. Combined, they hold 1758 unique securities.
Which pays a higher dividend, VTILX or VTV?
VTILX yields 4.19% while VTV yields 1.85%, so VTILX currently pays the higher dividend yield.
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