NBFC vs VTI
NBFC vs VTI
Neuberger Berman Flexible Credit Income 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 | NBFC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $76M | $663.5B | |
| Dividend Yield | 7.29% | 1.07% | |
| Holdings | 557 | 3,543 | |
| YTD Return | +1.34% | +10.14% | |
| 1Y Return | +5.43% | +19.82% | |
| 3Y Return (annualized) | - | +18.94% | |
| 5Y Return (annualized) | - | +11.79% | |
| Volatility (annualized) | 3.4% | 15.4% | |
| Max Drawdown | -4.0% | -56.6% | |
| Fund Family | Neuberger Berman | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 24, 2024 | May 24, 2001 |
NBFC vs VTI Performance
Neuberger Berman Flexible Credit Income ETF (NBFC) is a ETF from Neuberger Berman and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year NBFC returned +5.43% while VTI returned +19.82%. Year to date, NBFC is up 1.34% versus a gain of 10.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 3.4% for NBFC. 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 -4.0% for NBFC 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
NBFC charges 0.40% per year while VTI charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, NBFC currently yields 7.29% against 1.07% for VTI.
Holdings Overlap
NBFC and VTI share 1 holdings out of 3078 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 NBFC | Weight in VTI | Difference |
|---|---|---|---|
| CNP | 0.18% | 0.04% | 0.14% |
Frequently Asked Questions
Which is cheaper, NBFC or VTI?
NBFC has an expense ratio of 0.40% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, NBFC or VTI?
Over the past year NBFC returned +5.43% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), NBFC annualized +7.44% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, NBFC or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 3.4% for NBFC. Worst drawdown: NBFC -4.0% vs VTI -56.6%.
Should I hold both NBFC and VTI?
NBFC and VTI have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NBFC and VTI?
NBFC and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3078 unique securities.
Which pays a higher dividend, NBFC or VTI?
NBFC yields 7.29% while VTI yields 1.07%, so NBFC currently pays the higher dividend yield.
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