DIVY vs VTI
Sound Equity Dividend Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, DIVY or VTI?
Large Cap Value against Large Cap Blend.
VTI has a lower expense ratio. DIVY led over 1Y, VTI over 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 37.7%.
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 | DIVY | VTI |
|---|---|---|
| Expense Ratio | 0.45% | 0.03%Best |
| AUM | $29M | $666.9B |
| Dividend Yield | 2.97% | 1.03% |
| Holdings | 37 | 3,543 |
| YTD Return | +14.99%Best | +14.05% |
| 1Y Return | +18.69%Best | +16.93% |
| 3Y Return (annualized) | +10.20% | +22.65%Best |
| 5Y Return (annualized) | +8.55% | +12.46%Best |
| Volatility (annualized) | 15.0%Best | 15.2% |
| Max Drawdown | -18.3%Best | -25.4% |
| $10,000 over 5 years | $15,071 | $17,988Best |
| Top 10 Weight | 37.7% | 33.3%Best |
| Fund Family | Sound Income Strategies | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Dec 30, 2020 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Dec 31, 2020 to Sep 22, 2026 (5.7 years).
DIVY 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 5.7 years both funds cover.
DIVY vs VTI Performance
Sound Equity Dividend Income ETF (DIVY) is an ETF from Sound Income Strategies and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year DIVY returned +18.69% while VTI returned +16.93%. Year to date, DIVY is up 14.99% versus a gain of 14.05% for VTI.
Over three years, DIVY compounded at +10.20% per year against +22.65% for VTI; over five years the annualized figures are +8.55% and +12.46% respectively. Across the full 6-year window we track, VTI has the edge at +13.97% annualized vs +11.39%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.2% compared with 15.0% for DIVY. 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 -18.3% for DIVY 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 0.68. They move together some of the time, and apart the rest.
Fees and Cost Over Time
DIVY charges 0.45% per year while VTI charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, DIVY currently yields 2.97% against 1.03% for VTI.
Holdings Overlap
85.0% of DIVY's money is in holdings VTI also owns. 3.1% of VTI's money is in holdings DIVY also owns.
Most of DIVY is already inside VTI. Owning both mostly buys the same companies twice.
30 positions in common, counted across the 36 positions we hold weights for in DIVY and 3,463 in VTI, against full books of 37 and 3,543.
What only one of them owns
Our book lists 1,125 positions for VTI that do not appear in our book for DIVY (94.3% of the fund), and 3 for DIVY that do not appear in VTI (5.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in DIVY | Weight in VTI | Difference |
|---|---|---|---|
| OMCOmnicom Group Inc. | 4.61% | 0.03% | 4.58% |
| ACNAccenture Plc | 4.31% | 0.14% | 4.17% |
| PRGOPerrigo Company Plc Ordinary Shares | 4.27% | 0.00% | 4.27% |
| TBBAt&t Inc | 3.93% | 0.22% | 3.71% |
| CFGCitizens Financial Group Inc. | 3.93% | 0.04% | 3.89% |
| ESEversource Energ | 3.47% | 0.04% | 3.43% |
| CRBGCorebridge Financial Inc | 3.44% | 0.01% | 3.43% |
| CSCOCisco Systems Inc. - Ordinary Shares | 2.88% | 0.57% | 2.31% |
| SONSonoco Products Company | 3.33% | 0.01% | 3.32% |
| UPSUnited Parcel Service, Inc | 3.21% | 0.11% | 3.10% |
85.0% of DIVY is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, DIVY or VTI?
DIVY has an expense ratio of 0.45% while VTI charges 0.03%. VTI is the cheaper option, by $42 a year on a $10,000 investment.
Which performed better, DIVY or VTI?
Over the past year DIVY returned +18.69% vs +16.93% for VTI, so DIVY leads on 1-year performance. Over the longest common window we track (6 years), DIVY annualized +11.39% vs +13.97% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, DIVY or VTI?
VTI has been the more volatile fund at 15.2% annualized versus 15.0% for DIVY. Worst drawdown: DIVY -18.3% vs VTI -25.4%.
Should I hold both DIVY and VTI?
DIVY and VTI have a monthly-return correlation of 0.68, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between DIVY and VTI?
85.0% of DIVY's money is in holdings VTI also owns. 3.1% of VTI's is in holdings DIVY also owns. They hold 30 positions in common, counted across the 36 positions we hold weights for in DIVY and 3,463 in VTI.
Which pays a higher dividend, DIVY or VTI?
DIVY yields 2.97% while VTI yields 1.03%, so DIVY currently pays the higher dividend yield.
Is VTI better than DIVY?
VTI has a lower expense ratio. DIVY led over 1Y, VTI over 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 37.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.