DMBS vs VTI
DMBS vs VTI
DoubleLine Mortgage 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 | DMBS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $699M | $663.5B | |
| Dividend Yield | 5.09% | 1.07% | |
| Holdings | 194 | 3,543 | |
| YTD Return | -0.19% | +10.14% | |
| 1Y Return | +3.97% | +19.82% | |
| 3Y Return (annualized) | +4.54% | +18.94% | |
| 5Y Return (annualized) | - | +11.79% | |
| Volatility (annualized) | 5.9% | 15.4% | |
| Max Drawdown | -8.1% | -56.6% | |
| Fund Family | DoubleLine Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 31, 2023 | May 24, 2001 |
DMBS vs VTI Performance
DoubleLine Mortgage ETF (DMBS) is a ETF from DoubleLine Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year DMBS returned +3.97% while VTI returned +19.82%. Year to date, DMBS is down 0.19% versus a gain of 10.14% for VTI.
Over three years, DMBS compounded at +4.54% per year against +18.94% for VTI. Across the full 3-year window we track, VTI has the edge at +7.99% annualized vs +3.42%. 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 5.9% for DMBS. 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 -8.1% for DMBS 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DMBS charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, DMBS currently yields 5.09% against 1.07% for VTI.
Holdings Overlap
DMBS and VTI share 0 holdings out of 2822 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, DMBS or VTI?
DMBS has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, DMBS or VTI?
Over the past year DMBS returned +3.97% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), DMBS annualized +3.42% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, DMBS or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 5.9% for DMBS. Worst drawdown: DMBS -8.1% vs VTI -56.6%.
Should I hold both DMBS and VTI?
DMBS and VTI have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DMBS and VTI?
DMBS and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2822 unique securities.
Which pays a higher dividend, DMBS or VTI?
DMBS yields 5.09% while VTI yields 1.07%, so DMBS currently pays the higher dividend yield.
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