STBF vs VTI
STBF vs VTI
Performance Trust Short Term 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 | STBF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $70M | $663.5B | |
| Dividend Yield | 4.82% | 1.07% | |
| Holdings | 201 | 3,543 | |
| YTD Return | +0.24% | +13.39% | |
| 1Y Return | +2.83% | +23.21% | |
| 3Y Return (annualized) | - | +20.65% | |
| 5Y Return (annualized) | - | +12.18% | |
| Volatility (annualized) | 1.8% | 15.3% | |
| Max Drawdown | -1.2% | -56.6% | |
| Fund Family | Performance Trust Asset Management LLC | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 9, 2024 | May 24, 2001 |
STBF vs VTI Performance
Performance Trust Short Term Bond ETF (STBF) is a ETF from Performance Trust Asset Management LLC and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year STBF returned +2.83% while VTI returned +23.21%. Year to date, STBF is up 0.24% versus a gain of 13.39% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 1.8% for STBF. 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 -1.2% for STBF 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
STBF charges 0.65% per year while VTI charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, STBF currently yields 4.82% against 1.07% for VTI.
Holdings Overlap
STBF and VTI share 0 holdings out of 2851 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, STBF or VTI?
STBF has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, STBF or VTI?
Over the past year STBF returned +2.83% vs +23.21% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), STBF annualized +4.78% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, STBF or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.8% for STBF. Worst drawdown: STBF -1.2% vs VTI -56.6%.
Should I hold both STBF and VTI?
STBF and VTI have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between STBF and VTI?
STBF and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2851 unique securities.
Which pays a higher dividend, STBF or VTI?
STBF yields 4.82% while VTI yields 1.07%, so STBF currently pays the higher dividend yield.
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