BHYB vs VTI
BHYB vs VTI
Xtrackers USD High Yield BB-B ex Financials ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | BHYB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $2.6B | $663.5B | |
| Dividend Yield | 6.32% | 1.07% | |
| Holdings | 1,464 | 3,543 | |
| YTD Return | +0.09% | +11.83% | |
| 1Y Return | +3.46% | +21.79% | |
| 3Y Return (annualized) | - | +20.40% | |
| 5Y Return (annualized) | - | +11.96% | |
| Volatility (annualized) | 3.4% | 15.3% | |
| Max Drawdown | -4.2% | -56.6% | |
| Fund Family | Xtrackers ETFs | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 27, 2023 | May 24, 2001 |
BHYB vs VTI Performance
Xtrackers USD High Yield BB-B ex Financials ETF (BHYB) is a ETF from Xtrackers ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BHYB returned +3.46% while VTI returned +21.79%. Year to date, BHYB is up 0.09% versus a gain of 11.83% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.4% for BHYB. 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 -4.2% for BHYB and -56.6% for VTI. 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BHYB charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, BHYB currently yields 6.32% against 1.07% for VTI.
Holdings Overlap
BHYB and VTI share 1 holdings out of 4001 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 BHYB | Weight in VTI | Difference |
|---|---|---|---|
| THC | 0.17% | 0.02% | 0.15% |
Frequently Asked Questions
Which is cheaper, BHYB or VTI?
BHYB has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, BHYB or VTI?
Over the past year BHYB returned +3.46% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), BHYB annualized +7.10% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, BHYB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.4% for BHYB. Worst drawdown: BHYB -4.2% vs VTI -56.6%.
Should I hold both BHYB and VTI?
BHYB and VTI have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BHYB and VTI?
BHYB and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 4001 unique securities.
Which pays a higher dividend, BHYB or VTI?
BHYB yields 6.32% while VTI yields 1.07%, so BHYB currently pays the higher dividend yield.
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