ADFI vs GBND

ADFI vs GBND

Which is better, ADFI or GBND?

Nearly the same fund. GBND costs less.

GBND has a lower expense ratio. ADFI led over 1Y, GBND over the full window. The two have moved almost in lockstep, correlation 0.97.

Lower Fees: GBNDHigher Returns: split

MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.

Side-by-Side Comparison

MetricADFIGBND
Expense Ratio1.68%0.25%Best
AUM$50M$601M
Dividend Yield3.26%4.01%
Holdings40747
Volatility (annualized)2.7%Best3.3%
Max Drawdown-2.8%Tie-2.8%Tie
$10,000 over 1.1 years$10,129$10,290Best
Fund FamilyRegents Park Funds, LLCGoldman Sachs Asset Management
CategoryFixed IncomeFixed Income
InceptionAug 18, 2020Jun 24, 2025

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight, Style.

The two price series end 83 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. ADFI has data through Jul 23, 2026 and GBND through Oct 14, 2026.

Volatility and max drawdown, and the $10,000 over 1.1 years row, are measured over the window both funds cover: Jun 26, 2025 to Jul 23, 2026 (1.1 years).

Compare ADFI against instead:ADFI vs SPYADFI vs QQQADFI vs VOOADFI vs VTIGBND against:GBND vs VXUS

Risk: Volatility and Drawdowns

GBND has been the more volatile fund, with annualized monthly volatility of 3.3% compared with 2.7% for ADFI. 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 -2.8% for ADFI and -2.8% for GBND. Drawdown depth is what each fund did in the worst stretch of the window measured above.

The two funds' monthly returns correlate at 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.

Fees and Cost Over Time

ADFI charges 1.68% per year while GBND charges 0.25%. On a $10,000 position that is $168 vs $25 annually, a gap of $143 per year that compounds over a long holding period. On income, ADFI currently yields 3.26% against 4.01% for GBND.

You are not choosing between two funds in isolation.

Whichever of ADFI and GBND you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.

ADFIGBND

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, ADFI or GBND?

ADFI has an expense ratio of 1.68% while GBND charges 0.25%. GBND is the cheaper option, by $143 a year on a $10,000 investment.

Which is riskier, ADFI or GBND?

GBND has been the more volatile fund at 3.3% annualized versus 2.7% for ADFI. Worst drawdown: ADFI -2.8% vs GBND -2.8%.

Should I hold both ADFI and GBND?

ADFI and GBND have a monthly-return correlation of 0.97, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.

Which pays a higher dividend, ADFI or GBND?

ADFI yields 3.26% while GBND yields 4.01%, so GBND currently pays the higher dividend yield.

Is GBND better than ADFI?

GBND has a lower expense ratio. ADFI led over 1Y, GBND over the full window. The two have moved almost in lockstep, correlation 0.97. Which one suits a particular account depends on what it is for. This is information, not a recommendation.