BNDC vs VTI
BNDC vs VTI
FlexShares Core Select Bond Fund 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 | BNDC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.38% | 0.03% | |
| AUM | $169M | $663.5B | |
| Dividend Yield | 4.13% | 1.07% | |
| Holdings | 21 | 3,543 | |
| YTD Return | -0.70% | +14.20% | |
| 1Y Return | +1.64% | +24.16% | |
| 3Y Return (annualized) | +3.76% | +21.12% | |
| 5Y Return (annualized) | -0.61% | +12.37% | |
| Volatility (annualized) | 5.2% | 15.3% | |
| Max Drawdown | -23.2% | -56.6% | |
| Fund Family | Flexshares Trust | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 18, 2016 | May 24, 2001 |
BNDC vs VTI Performance
FlexShares Core Select Bond Fund (BNDC) is a ETF from Flexshares Trust and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BNDC returned +1.64% while VTI returned +24.16%. Year to date, BNDC is down 0.70% versus a gain of 14.20% for VTI.
Over three years, BNDC compounded at +3.76% per year against +21.12% for VTI; over five years the annualized figures are -0.61% and +12.37% respectively. Across the full 10-year window we track, VTI has the edge at +8.14% annualized vs +0.35%. 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 5.2% for BNDC. 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 -23.2% for BNDC 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BNDC charges 0.38% per year while VTI charges 0.03%. On a $10,000 position that is $38 vs $3 annually, a gap of $35 per year that compounds over a long holding period. On income, BNDC currently yields 4.13% against 1.07% for VTI.
Holdings Overlap
BNDC and VTI share 0 holdings out of 2797 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, BNDC or VTI?
BNDC has an expense ratio of 0.38% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $35 per year of difference.
Which performed better, BNDC or VTI?
Over the past year BNDC returned +1.64% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), BNDC annualized +0.35% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, BNDC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.2% for BNDC. Worst drawdown: BNDC -23.2% vs VTI -56.6%.
Should I hold both BNDC and VTI?
BNDC and VTI have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BNDC and VTI?
BNDC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, BNDC or VTI?
BNDC yields 4.13% while VTI yields 1.07%, so BNDC currently pays the higher dividend yield.
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