MFSB vs VTI
MFSB vs VTI
MFS Active Core Plus 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 | MFSB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.34% | 0.03% | |
| AUM | $527M | $663.5B | |
| Dividend Yield | 4.24% | 1.07% | |
| Holdings | 362 | 3,543 | |
| YTD Return | +0.24% | +13.92% | |
| 1Y Return | +2.75% | +24.07% | |
| 3Y Return (annualized) | - | +20.88% | |
| 5Y Return (annualized) | - | +12.47% | |
| Volatility (annualized) | 3.4% | 15.3% | |
| Max Drawdown | -3.2% | -56.6% | |
| Fund Family | MFS Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Dec 5, 2024 | May 24, 2001 |
MFSB vs VTI Performance
MFS Active Core Plus Bond ETF (MFSB) is a ETF from MFS Investment Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MFSB returned +2.75% while VTI returned +24.07%. Year to date, MFSB is up 0.24% versus a gain of 13.92% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.4% for MFSB. 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 -3.2% for MFSB 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MFSB charges 0.34% per year while VTI charges 0.03%. On a $10,000 position that is $34 vs $3 annually, a gap of $31 per year that compounds over a long holding period. On income, MFSB currently yields 4.24% against 1.07% for VTI.
Holdings Overlap
MFSB and VTI share 0 holdings out of 2959 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, MFSB or VTI?
MFSB has an expense ratio of 0.34% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $31 per year of difference.
Which performed better, MFSB or VTI?
Over the past year MFSB returned +2.75% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), MFSB annualized +3.29% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, MFSB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.4% for MFSB. Worst drawdown: MFSB -3.2% vs VTI -56.6%.
Should I hold both MFSB and VTI?
MFSB and VTI have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MFSB and VTI?
MFSB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2959 unique securities.
Which pays a higher dividend, MFSB or VTI?
MFSB yields 4.24% while VTI yields 1.07%, so MFSB currently pays the higher dividend yield.
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