DIVL vs VTI
Madison Dividend Value 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 | DIVL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $63M | $663.5B | |
| Dividend Yield | 1.78% | 1.07% | |
| Holdings | 39 | 3,543 | |
| YTD Return | +11.97% | +13.87% | |
| 1Y Return | +16.26% | +23.31% | |
| 3Y Return (annualized) | +11.18% | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 11.8% | 15.3% | |
| Max Drawdown | -14.1% | -56.6% | |
| Fund Family | Madison Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 14, 2023 | May 24, 2001 |
DIVL vs VTI Performance
Madison Dividend Value ETF (DIVL) is a ETF from Madison Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year DIVL returned +16.26% while VTI returned +23.31%. Year to date, DIVL is up 11.97% versus a gain of 13.87% for VTI.
Over three years, DIVL compounded at +11.18% per year against +21.17% for VTI. Across the full 3-year window we track, DIVL has the edge at +11.18% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.8% for DIVL. 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 -14.1% for DIVL 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 0.61. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DIVL 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, DIVL currently yields 1.78% against 1.07% for VTI.
Holdings Overlap
DIVL and VTI share 37 holdings out of 2784 unique holdings combined, representing a 10.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, DIVL or VTI?
DIVL 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, DIVL or VTI?
Over the past year DIVL returned +16.26% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), DIVL annualized +11.18% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, DIVL or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.8% for DIVL. Worst drawdown: DIVL -14.1% vs VTI -56.6%.
Should I hold both DIVL and VTI?
DIVL and VTI have a monthly-return correlation of 0.61, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DIVL and VTI?
DIVL and VTI share 37 common holdings with a 10.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, DIVL or VTI?
DIVL yields 1.78% while VTI yields 1.07%, so DIVL currently pays the higher dividend yield.
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