VGIT vs XTRE: Grades, Fees and Holdings Compared

Vanguard Intermediate-Term Treasury ETF

VGITANasdaq

BondBloxx Bloomberg Three Year Target Duration US Treasury ETF

XTREANYSE Arca

Overlap

No data

Expense ratio

VGIT −0.02pt a year

VGIT0.03%XTRE0.05%

Avg volume · 30D

VGIT 76.7×the volume

VGIT4.84MXTRE63.1K

3Y return · a year

VGIT +0.2pt

VGIT+4.5%XTRE+4.3%

VGIT vs XTRE Performance

Oct 31, 2025 – Oct 30, 2026

−0.2%VGIT+1.0%XTRE

Expense ratio: VGIT 0.03%, better; XTRE 0.05%
Fund size: VGIT $47.8B; XTRE $159M
1Y total return: VGIT −0.2%; XTRE +1.0%, better
Yield (12M): VGIT 3.97%; XTRE 4.10%, better
Holdings: VGIT 105; XTRE 79
Avg volume (30D): VGIT 4.84M sh, better; XTRE 63.1K sh
NAV per share: VGIT $57.72; XTRE $48.41
52W range

ETF.net Grade

Pillar letters and Scores for VGIT, XTRE, with each pillar’s weight
Pillar	VGIT	XTRE
Cost30% weight	A92Higher	B67
Mission25% weight	A100Higher	A96
Risk15% weight	B61	A71Higher
Tradability15% weight	B66Higher	B63
Holdings10% weight	A87Higher	B64
Durability5% weight	A95Higher	C43

Rank among Treasuries (3-10 Year) funds

How we build Categories ›

Same Category. VGIT and XTRE are both graded against the same 19 Treasuries (3-10 Year) funds, so their Grades compare head to head.

Treasuries (3-10 Year)⁠

Category · 19 funds

See all 19 ›

VGIT ranks 1st and XTRE 5th of 19 funds in the Treasuries (3-10 Year) Category.

Rank 1ASPTIState Street SPDR Portfolio Intermediate Term Treasury ETFScore 84
Rank 1AVGITVanguard Intermediate-Term Treasury ETFScore 84
Rank 3ASCHRSchwab Intermediate-Term U.S. Treasury ETFScore 82
Rank 4ABBIBJPMorgan BetaBuilders U.S. Treasury Bond 3-10 Year ETFScore 74
Rank 5AXTREBondBloxx Bloomberg Three Year Target Duration US Treasury ETFScore 72
Rank 6AXFIVBondBloxx Bloomberg Five Year Target Duration US Treasury ETFScore 71

Our read on each fund

ETF.net Research

VGITAVanguard Intermediate-Term Treasury ETF

XTREABondBloxx Bloomberg Three Year Target Duration US Treasury ETF

In short

VGIT The middle of the Treasury curve, priced like an afterthought. VGIT holds government bonds maturing in 3 to 10 years for 0.03% a year, a quarter of what the typical Treasury fund in its peer group charges.

XTRE Most intermediate Treasury ETFs pick a maturity range and let duration drift. XTRE picks the number: a portfolio rebuilt monthly toward roughly three years of duration, from the issuer that launched the first target-duration Treasury suite.

Stated mandate

VGIT Seeks to track a market-weighted Treasury bond index while maintaining an intermediate-term dollar-weighted average maturity.

XTRE The Fund seeks to track an index of U.S. Treasury securities whose duration is between 2 and 4 years.

Why people hold it

VGIT Charges 0.03% a year against a 0.12% median for Treasury funds in its peer group. In bonds, where the coupon does the work, that fee gap is most of the argument.
Plain index work: it follows the Bloomberg U.S. Treasury 3-10 Year Bond Index with very little slippage, one of the tighter implementations in its Treasury peer group.vanguard.com
Running since 2009 and now a multi-billion-dollar fund that trades actively, so spreads stay tight. Interest lands monthly.
The portfolio is U.S. government paper only, a few dozen issues. No corporate borrowers to underwrite, no credit research required.vanguard.com

XTRE Five basis points, about a third of what the typical intermediate Treasury fund in its group charges.
The mandate is a duration number, not a maturity band. Monthly rebalancing blends two Treasury duration buckets back toward the three-year target, so drift gets corrected for you.sec.gov bondbloxxetf.com
Straight US Treasuries, no credit or mortgage filler, and the portfolio hews unusually closely to that stated mandate for this peer group.
Distributions land monthly rather than quarterly.

Worth knowing

VGIT Intermediate maturities cut both ways. A 3 to 10 year book reprices more when yields move than a bill fund does, so the ride is bumpier than cash-like Treasury products.
Treasuries only means no corporate credit premium in the yield. Income comes strictly from government coupons, and the monthly payout drifts with rates.

XTRE Cheap, not cheapest: two of the strongest funds in this cohort (SPTI, SCHR) run at 0.03%.
Roughly three years of duration sits at the short end of a 3-10 year cohort, so it moves less per shift in rates than longer peers, in both directions.
A 2022 launch from a boutique issuer, with a modest asset base and moderate trading volume, so spreads can widen when markets get hectic.

Full VGIT profile⁠

Full XTRE profile⁠

VGIT vs XTRE Holdings

How VGIT and XTRE differ

No overlap figure

Two bond funds rarely hold the same issues.

Level by level

Asset classFixed Income100%
Countryby domicile100%

Sector

No Sector split for XTRE.

Country, concentration and asset class

Country by domicile

Country weights in VGIT and XTRE, widest gap first
Country	More in VGITMore in XTRE	VGIT	XTRE
United States	Same weight	100.0%	100.0%

Concentration

Weight in the 10 largest Holdings

VGIT18.4%
XTRE22.0%

Securities held

VGIT102
XTRE78

Asset class

VGIT: Fixed Income
XTRE: Fixed Income

Holdings

Two bond funds rarely hold the same issues, so this page lists no shared Holdings. VGIT holds 102 securities, XTRE 78.

All 76 VGIT holdings⁠All XTRE holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

VGIT vs XTRE Cost

Overpaying XTRE vs VGIT

$422

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

VGIT 0.03%
$638
XTRE 0.05%
$1,060

Amount$10,000

Years30 years

Cost over time

VGIT 0.03%
XTRE 0.05%
Overpaying

Year by year

Year	VGIT	XTRE	Overpaying
10	$55	$92	$37
20	$216	$360	$144
30	$638	$1,060	$422

Expense ratio

0.03%VGIT, cheaper
0.05%XTRE

VGIT0.03%XTRE0.05%

0.03%0.39%

Middle half of Treasuries (3-10 Year) funds
Median 0.12%

VGIT cheapest of 19 funds

XTRE 5th cheapest of 19 funds

VGIT vs XTRE Dividends

Last 12 months to Oct 30, 2026

Yield (12M): VGIT 3.97%; XTRE 4.10%, better
Payout (12M): VGIT $2.29; XTRE $1.98
Last payment: VGIT $0.19; XTRE $0.18
Ex-dividend: VGIT Oct 1, 2026; XTRE Oct 1, 2026
Paid on: VGIT Oct 5, 2026; XTRE Oct 6, 2026
Frequency: VGIT Monthly; XTRE Monthly

Distribution history

Per share, 2023 to 2026, same scale for both

VGITMonthly · 45 paymentsAll VGIT payments⁠

XTREMonthly · 45 paymentsAll XTRE payments⁠

VGIT vs XTRE Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years: VGIT 4.7%XTRE 2.9%, better
Return per unit of riskSharpe ratio, 3 years: VGIT 0.02, betterXTRE −0.08
Worst fallMax drawdown, 5 years: VGIT −13.8%XTRE −2.9%since Sep 2022
Market sensitivityBeta, 5 years: VGIT 0.78XTRE 0.43; Market = 1

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