USIN vs. XHLF

Last updated Jun 4, 2026

USIN (WisdomTree 7-10 Year Laddered Treasury Fund) and XHLF (BondBloxx Bloomberg Six Month Target Duration US Treasury ETF) are both Government Bonds funds - USIN tracks the Bloomberg US Treasury 7-10 Year Laddered Index while XHLF tracks the Bloomberg US Treasury 6 Month Duration Index. Both are passively managed. Over the past year, USIN returned 4.04% vs 3.92% for XHLF. At a 0.19 correlation, their price movements are largely independent. USIN charges 0.15%/yr vs 0.03%/yr for XHLF.

Performance

USIN vs. XHLF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in WisdomTree 7-10 Year Laddered Treasury Fund (USIN) and BondBloxx Bloomberg Six Month Target Duration US Treasury ETF (XHLF). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, USIN achieves a -0.70% return, which is significantly lower than XHLF's 1.39% return.

USIN

• 1D: -0.24%
• 1M: -0.11%
• YTD: -0.70%
• 6M: -1.21%
• 1Y: 4.04%
• 3Y*: —
• 5Y*: —
• 10Y*: —

XHLF

• 1D: 0.00%
• 1M: 0.27%
• YTD: 1.39%
• 6M: 1.71%
• 1Y: 3.92%
• 3Y*: 4.62%
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

USIN vs. XHLF - Yearly Performance Comparison

	2026 (YTD)	2025	2024
USIN WisdomTree 7-10 Year Laddered Treasury Fund	-0.70%	7.97%	1.59%
XHLF BondBloxx Bloomberg Six Month Target Duration US Treasury ETF	1.39%	4.21%	4.15%

Correlation

The correlation between USIN and XHLF is 0.06, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.06
Correlation (All Time) Calculated using the full available price history since Mar 15, 2024	0.19

The correlation between USIN and XHLF shifts across timeframes, from 0.06 (1 year) to 0.19 (all time), reflecting how their relationship changes across market environments.

Return for Risk

USIN vs. XHLF — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

USIN

USIN Risk / Return Rank: 24
USIN Sharpe Ratio Rank: 25
USIN Sortino Ratio Rank: 25
USIN Omega Ratio Rank: 23
USIN Calmar Ratio Rank: 23
USIN Martin Ratio Rank: 24

XHLF

XHLF Risk / Return Rank: 100
XHLF Sharpe Ratio Rank: 100
XHLF Sortino Ratio Rank: 100
XHLF Omega Ratio Rank: 100
XHLF Calmar Ratio Rank: 100
XHLF Martin Ratio Rank: 100

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

USIN vs. XHLF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for WisdomTree 7-10 Year Laddered Treasury Fund (USIN) and BondBloxx Bloomberg Six Month Target Duration US Treasury ETF (XHLF). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	USIN	XHLF	Difference
Sharpe ratio: Return per unit of total volatility	0.86	12.43	-11.57
Sortino ratio: Return per unit of downside risk	1.28	45.85	-44.56
Omega ratio: Gain probability vs. loss probability	1.15	11.75	-10.60
Calmar ratio: Return relative to maximum drawdown	0.99	98.81	-97.81
Martin ratio: Return relative to average drawdown	2.96	670.31	-667.35
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

USIN vs. XHLF - Sharpe Ratio Comparison

The current USIN Sharpe Ratio is 0.86, which is lower than the XHLF Sharpe Ratio of 12.43. The chart below compares the historical Sharpe Ratios of USIN and XHLF, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	USIN	XHLF	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.86	12.43	-11.57
Sharpe Ratio (All Time) Calculated using the full available price history	0.67	10.75	-10.07

Drawdowns

USIN vs. XHLF - Drawdown Comparison

The maximum USIN drawdown since its inception was -6.88%, which is greater than XHLF's maximum drawdown of -0.11%. Use the drawdown chart below to compare losses from any high point for USIN and XHLF.

Drawdown Indicators

	USIN	XHLF	Difference
Max Drawdown Largest peak-to-trough decline	-6.88%	-0.11%	-6.77%
Max Drawdown (1Y) Largest decline over 1 year	-4.09%	-0.04%	-4.05%
Max Drawdown (3Y) Largest decline over 3 years	—	-0.06%	—
Current Drawdown Current decline from peak	-2.85%	0.00%	-2.85%
Average Drawdown Average peak-to-trough decline	-1.86%	-0.00%	-1.86%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.37%	0.01%	+1.36%

Volatility

USIN vs. XHLF - Volatility Comparison

WisdomTree 7-10 Year Laddered Treasury Fund (USIN) has a higher volatility of 1.52% compared to BondBloxx Bloomberg Six Month Target Duration US Treasury ETF (XHLF) at 0.08%. This indicates that USIN's price experiences larger fluctuations and is considered to be riskier than XHLF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	USIN	XHLF	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.52%	0.08%	+1.44%
Volatility (6M) Calculated over the trailing 6-month period	3.30%	0.22%	+3.08%
Volatility (1Y) Calculated over the trailing 1-year period	4.74%	0.32%	+4.42%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	5.86%	0.42%	+5.44%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	5.86%	0.42%	+5.44%

USIN vs. XHLF - Expense Ratio Comparison

USIN has a 0.15% expense ratio, which is higher than XHLF's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

USIN vs. XHLF - Dividend Comparison

USIN's dividend yield for the trailing twelve months is around 3.98%, more than XHLF's 3.85% yield.

Position	TTM	2025	2024	2023	2022
USIN WisdomTree 7-10 Year Laddered Treasury Fund	3.98%	3.85%	3.25%	0.00%	0.00%
XHLF BondBloxx Bloomberg Six Month Target Duration US Treasury ETF	3.85%	3.98%	4.96%	4.50%	0.86%

Frequently Asked Questions

Can I hold both USIN and XHLF in my portfolio?

USIN and XHLF have a correlation of 0.06, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, USIN or XHLF?

USIN has higher volatility (1.52%) compared to XHLF (0.08%). In terms of maximum drawdown, USIN dropped -6.88% vs XHLF's -0.11%.

Which ETF is better, USIN or XHLF?

On 1-year performance, USIN leads with 4.04% vs 3.92% for XHLF. On fees, XHLF is cheaper at 0.03% per year. On volatility, XHLF has been the lower-risk option at 0.08%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, USIN or XHLF?

Over the 1-year period, USIN has performed better with a 4.04% return vs 3.92%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, USIN or XHLF?

XHLF is cheaper with a 0.03% expense ratio, compared with 0.15% for USIN.

Which ETF pays a higher dividend yield, USIN or XHLF?

USIN has the higher dividend yield at 3.98%, compared with 3.85% for XHLF.

What is the main difference between USIN and XHLF?

USIN tracks Bloomberg US Treasury 7-10 Year Laddered Index, while XHLF tracks Bloomberg US Treasury 6 Month Duration Index. They also come from different issuers: WisdomTree and BondBloxx. Their fees differ too: 0.15% for USIN and 0.03% for XHLF.

Which has better risk-adjusted returns?

XHLF currently has the higher Sharpe Ratio (12.43 vs 0.86), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.