BND vs VTI
BND vs VTI
Vanguard Total Bond Market ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. BND offers more diversification with 10790 holdings.
Side-by-Side Comparison
| Metric | BND | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $159.8B | $663.5B | |
| Dividend Yield | 3.94% | 1.07% | |
| Holdings | 17,528 | 3,543 | |
| YTD Return | -0.21% | +13.92% | |
| 1Y Return | +1.98% | +24.07% | |
| 3Y Return (annualized) | +4.12% | +20.88% | |
| 5Y Return (annualized) | -0.42% | +12.47% | |
| Volatility (annualized) | 4.6% | 15.3% | |
| Max Drawdown | -19.6% | -56.6% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 3, 2007 | May 24, 2001 |
BND vs VTI Performance
Vanguard Total Bond Market ETF (BND) is a ETF from Vanguard (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BND returned +1.98% while VTI returned +24.07%. Year to date, BND is down 0.21% versus a gain of 13.92% for VTI.
Over three years, BND compounded at +4.12% per year against +20.88% for VTI; over five years the annualized figures are -0.42% and +12.47% respectively. Across the full 19-year window we track, VTI has the edge at +8.13% annualized vs +0.69%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.6% for BND. 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 -19.6% for BND 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 0.25. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BND charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, BND currently yields 3.94% against 1.07% for VTI.
Holdings Overlap
BND and VTI share 6 holdings out of 13567 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 BND | Weight in VTI | Difference |
|---|---|---|---|
| LRCX | 0.00% | 0.74% | 0.74% |
| DUK | 0.00% | 0.14% | 0.14% |
| AON | 0.00% | 0.09% | 0.09% |
| KDP | Pro | Pro | Pro |
| CNP | Pro | Pro | Pro |
| HUBB | Pro | Pro | Pro |
See all 6 holdings BND shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, BND or VTI?
BND has an expense ratio of 0.03% while VTI charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, BND or VTI?
Over the past year BND returned +1.98% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (19 years), BND annualized +0.69% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, BND or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.6% for BND. Worst drawdown: BND -19.6% vs VTI -56.6%.
Should I hold both BND and VTI?
BND and VTI have a monthly-return correlation of 0.25, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BND and VTI?
BND and VTI share 6 common holdings with a 0.0% weight overlap. Combined, they hold 13567 unique securities.
Which pays a higher dividend, BND or VTI?
BND yields 3.94% while VTI yields 1.07%, so BND currently pays the higher dividend yield.
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