VTILX vs VXF
Vanguard Total International Bond II Index Fund Class Institutional vs Vanguard Extended Market ETF
Quick Verdict
VXF has a lower expense ratio. VXF delivered stronger 1-year returns. VTILX offers more diversification with 7,391 holdings.
Side-by-Side Comparison
| Metric | VTILX | VXF | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.05% | |
| AUM | $141.9B | $30.5B | |
| Dividend Yield | 4.19% | 1.03% | |
| Holdings | 7,391 | 3,376 | |
| YTD Return | -1.38% | +15.71% | |
| 1Y Return | -3.13% | +23.93% | |
| 3Y Return (annualized) | -0.30% | +19.90% | |
| 5Y Return (annualized) | - | +7.18% | |
| Volatility (annualized) | 6.0% | 18.7% | |
| Max Drawdown | -15.3% | -59.4% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 17, 2021 | Dec 27, 2001 |
VTILX vs VXF Performance
Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US) and Vanguard Extended Market ETF (VXF) is a ETF from Vanguard (US). Over the past year VTILX returned -3.13% while VXF returned +23.93%. Year to date, VTILX is down 1.38% versus a gain of 15.71% for VXF.
Over three years, VTILX compounded at -0.30% per year against +19.90% for VXF. Across the full 5-year window we track, VXF has the edge at +9.01% annualized vs -2.90%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VXF has been the more volatile fund, with annualized monthly volatility of 18.7% 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 -59.4% for VXF. 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 0.61. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTILX charges 0.07% per year while VXF charges 0.05%. On a $10,000 position that is $7 vs $5 annually, a gap of $2 per year that compounds over a long holding period. On income, VTILX currently yields 4.19% against 1.03% for VXF.
Holdings Overlap
VTILX and VXF share 1 holdings out of 4752 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in VTILX | Weight in VXF | Difference |
|---|---|---|---|
| SYM | 0.00% | 0.03% | 0.03% |
Frequently Asked Questions
Which is cheaper, VTILX or VXF?
VTILX has an expense ratio of 0.07% while VXF charges 0.05%. VXF is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, VTILX or VXF?
Over the past year VTILX returned -3.13% vs +23.93% for VXF, so VXF leads on 1-year performance. Over the longest common window we track (5 years), VTILX annualized -2.90% vs +9.01% for VXF. Past performance does not guarantee future results.
Which is riskier, VTILX or VXF?
VXF has been the more volatile fund at 18.7% annualized versus 6.0% for VTILX. Worst drawdown: VTILX -15.3% vs VXF -59.4%.
Should I hold both VTILX and VXF?
VTILX and VXF have a monthly-return correlation of 0.61, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTILX and VXF?
VTILX and VXF share 1 common holdings with a 0.0% weight overlap. Combined, they hold 4752 unique securities.
Which pays a higher dividend, VTILX or VXF?
VTILX yields 4.19% while VXF yields 1.03%, so VTILX currently pays the higher dividend yield.
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