VTILX vs VV
Vanguard Total International Bond II Index Fund Class Institutional vs Vanguard Large-Cap ETF
Quick Verdict
VV has a lower expense ratio. VV delivered stronger 1-year returns. VTILX offers more diversification with 1459 holdings.
Side-by-Side Comparison
| Metric | VTILX | VV | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $142.6B | $52.5B | |
| Dividend Yield | 4.12% | 1.25% | |
| Holdings | 7,391 | 446 | |
| YTD Return | -1.15% | +13.23% | |
| 1Y Return | -3.20% | +22.17% | |
| 3Y Return (annualized) | -0.40% | +21.70% | |
| 5Y Return (annualized) | - | +12.84% | |
| Volatility (annualized) | 6.0% | 14.8% | |
| Max Drawdown | -15.3% | -56.0% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 17, 2021 | Jan 27, 2004 |
VTILX vs VV Performance
Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US) and Vanguard Large-Cap ETF (VV) is a ETF from Vanguard (US). Over the past year VTILX returned -3.20% while VV returned +22.17%. Year to date, VTILX is down 1.15% versus a gain of 13.23% for VV.
Over three years, VTILX compounded at -0.40% per year against +21.70% for VV. Across the full 5-year window we track, VV has the edge at +9.51% annualized vs -2.86%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VV has been the more volatile fund, with annualized monthly volatility of 14.8% 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 -56.0% for VV. 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTILX charges 0.07% per year while VV 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 4.12% against 1.25% for VV.
Holdings Overlap
VTILX and VV share 12 holdings out of 1878 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 VV?
VTILX has an expense ratio of 0.07% while VV charges 0.03%. VV is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, VTILX or VV?
Over the past year VTILX returned -3.20% vs +22.17% for VV, so VV leads on 1-year performance. Over the longest common window we track (5 years), VTILX annualized -2.86% vs +9.51% for VV. Past performance does not guarantee future results.
Which is riskier, VTILX or VV?
VV has been the more volatile fund at 14.8% annualized versus 6.0% for VTILX. Worst drawdown: VTILX -15.3% vs VV -56.0%.
Should I hold both VTILX and VV?
VTILX and VV have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTILX and VV?
VTILX and VV share 12 common holdings with a 0.0% weight overlap. Combined, they hold 1878 unique securities.
Which pays a higher dividend, VTILX or VV?
VTILX yields 4.12% while VV yields 1.25%, so VTILX currently pays the higher dividend yield.
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