BNDI vs VTI
BNDI vs VTI
NEOS Enhanced Income Aggregate Bond 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 | BNDI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.58% | 0.03% | |
| AUM | $185M | $663.5B | |
| Dividend Yield | 5.81% | 1.07% | |
| Holdings | 9 | 3,543 | |
| YTD Return | +1.05% | +11.83% | |
| 1Y Return | +4.02% | +21.79% | |
| 3Y Return (annualized) | +4.98% | +20.40% | |
| 5Y Return (annualized) | - | +11.96% | |
| Volatility (annualized) | 6.3% | 15.3% | |
| Max Drawdown | -7.0% | -56.6% | |
| Fund Family | NEOS | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 30, 2022 | May 24, 2001 |
BNDI vs VTI Performance
NEOS Enhanced Income Aggregate Bond ETF (BNDI) is a ETF from NEOS and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BNDI returned +4.02% while VTI returned +21.79%. Year to date, BNDI is up 1.05% versus a gain of 11.83% for VTI.
Over three years, BNDI compounded at +4.98% per year against +20.40% for VTI. Across the full 4-year window we track, VTI has the edge at +8.06% annualized vs +3.74%. 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 6.3% for BNDI. 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 -7.0% for BNDI 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BNDI charges 0.58% per year while VTI charges 0.03%. On a $10,000 position that is $58 vs $3 annually, a gap of $55 per year that compounds over a long holding period. On income, BNDI currently yields 5.81% against 1.07% for VTI.
Holdings Overlap
BNDI and VTI share 0 holdings out of 2785 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, BNDI or VTI?
BNDI has an expense ratio of 0.58% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $55 per year of difference.
Which performed better, BNDI or VTI?
Over the past year BNDI returned +4.02% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), BNDI annualized +3.74% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, BNDI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.3% for BNDI. Worst drawdown: BNDI -7.0% vs VTI -56.6%.
Should I hold both BNDI and VTI?
BNDI and VTI have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BNDI and VTI?
BNDI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2785 unique securities.
Which pays a higher dividend, BNDI or VTI?
BNDI yields 5.81% while VTI yields 1.07%, so BNDI currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.