DFIP vs VTI
Dimensional Inflation-Protected Securities ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, DFIP or VTI?
Inflation Protection against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 82.2%.
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
| Metric | DFIP | VTI |
|---|---|---|
| Expense Ratio | 0.11% | 0.03%Best |
| AUM | $1.1B | $666.9B |
| Dividend Yield | 5.82% | 1.03% |
| Holdings | 21 | 3,543 |
| YTD Return | -0.76% | +12.28%Best |
| 1Y Return | -1.46% | +16.78%Best |
| 3Y Return (annualized) | +3.84% | +20.89%Best |
| 5Y Return (annualized) | - | +11.94% |
| Volatility (annualized) | 6.8%Best | 16.0% |
| Max Drawdown | -15.0%Best | -25.4% |
| $10,000 over 4.8 years | $9,890 | $16,467Best |
| Top 10 Weight | 82.2% | 33.3%Best |
| Fund Family | Dimensional | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Inflation Protection | Large Cap Blend |
| Inception | Nov 15, 2021 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 4.8 years row, are measured over the window both funds cover: Nov 16, 2021 to Sep 17, 2026 (4.8 years).
DFIP vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4.8 years both funds cover.
DFIP vs VTI Performance
Dimensional Inflation-Protected Securities ETF (DFIP) is an ETF from Dimensional and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year DFIP returned -1.46% while VTI returned +16.78%. Year to date, DFIP is down 0.76% versus a gain of 12.28% for VTI.
Over three years, DFIP compounded at +3.84% per year against +20.89% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.0% compared with 6.8% for DFIP. 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 -15.0% for DFIP and -25.4% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.69. They move together some of the time, and apart the rest.
Fees and Cost Over Time
DFIP charges 0.11% per year while VTI charges 0.03%. On a $10,000 position that is $11 vs $3 annually, a gap of $8 per year that compounds over a long holding period. On income, DFIP currently yields 5.82% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 19 holdings in DFIP and 3,463 in VTI, totalling 99.5% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 19 positions we hold weights for in DFIP and 3,463 in VTI, against full books of 21 and 3,543.
What only one of them owns
Measured across the 19 and 3,463 positions we hold weights for.
VTI holds 1,150 positions DFIP does not, 97.5% of the fund.
Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%
You are not choosing between two funds in isolation.
Whichever of DFIP and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, DFIP or VTI?
DFIP has an expense ratio of 0.11% while VTI charges 0.03%. VTI is the cheaper option, by $8 a year on a $10,000 investment.
Which performed better, DFIP or VTI?
Over the past year DFIP returned -1.46% vs +16.78% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, DFIP or VTI?
VTI has been the more volatile fund at 16.0% annualized versus 6.8% for DFIP. Worst drawdown: DFIP -15.0% vs VTI -25.4%.
Should I hold both DFIP and VTI?
DFIP and VTI have a monthly-return correlation of 0.69, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, DFIP or VTI?
DFIP yields 5.82% while VTI yields 1.03%, so DFIP currently pays the higher dividend yield.
Is VTI better than DFIP?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 82.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.