BINC vs VTI
BINC vs VTI
iShares Flexible Income Active 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 | BINC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $16.1B | $663.5B | |
| Dividend Yield | 5.84% | 1.07% | |
| Holdings | 4,738 | 3,543 | |
| YTD Return | +1.09% | +10.14% | |
| 1Y Return | +4.44% | +19.82% | |
| 3Y Return (annualized) | +6.68% | +18.94% | |
| 5Y Return (annualized) | - | +11.79% | |
| Volatility (annualized) | 3.2% | 15.4% | |
| Max Drawdown | -2.7% | -56.6% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 19, 2023 | May 24, 2001 |
BINC vs VTI Performance
iShares Flexible Income Active ETF (BINC) is a ETF from BlackRock, Inc. (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BINC returned +4.44% while VTI returned +19.82%. Year to date, BINC is up 1.09% versus a gain of 10.14% for VTI.
Over three years, BINC compounded at +6.68% per year against +18.94% for VTI. Across the full 3-year window we track, VTI has the edge at +7.99% annualized vs +6.75%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 3.2% for BINC. 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 -2.7% for BINC 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BINC charges 0.40% per year while VTI charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, BINC currently yields 5.84% against 1.07% for VTI.
Holdings Overlap
BINC and VTI share 1 holdings out of 3138 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 BINC | Weight in VTI | Difference |
|---|---|---|---|
| THC | 0.04% | 0.02% | 0.02% |
Frequently Asked Questions
Which is cheaper, BINC or VTI?
BINC has an expense ratio of 0.40% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, BINC or VTI?
Over the past year BINC returned +4.44% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), BINC annualized +6.75% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, BINC or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 3.2% for BINC. Worst drawdown: BINC -2.7% vs VTI -56.6%.
Should I hold both BINC and VTI?
BINC and VTI have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BINC and VTI?
BINC and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3138 unique securities.
Which pays a higher dividend, BINC or VTI?
BINC yields 5.84% while VTI yields 1.07%, so BINC currently pays the higher dividend yield.
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