EFAX vs VTI
State Street SPDR MSCI EAFE Fossil Fuel Reserves Free ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | EFAX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $518M | $666.9B | |
| Dividend Yield | 3.12% | 1.07% | |
| Holdings | 671 | 3,543 | |
| YTD Return | +11.05% | +13.67% | |
| 1Y Return | +18.35% | +22.17% | |
| 3Y Return (annualized) | +18.72% | +21.93% | |
| 5Y Return (annualized) | +8.76% | +12.51% | |
| Volatility (annualized) | 15.3% | 15.3% | |
| Max Drawdown | -36.2% | -56.6% | |
| Fund Family | SPDR State Street Global Advisors | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 24, 2016 | May 24, 2001 |
EFAX vs VTI Performance
State Street SPDR MSCI EAFE Fossil Fuel Reserves Free ETF (EFAX) is a ETF from SPDR State Street Global Advisors and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EFAX returned +18.35% while VTI returned +22.17%. Year to date, EFAX is up 11.05% versus a gain of 13.67% for VTI.
Over three years, EFAX compounded at +18.72% per year against +21.93% for VTI; over five years the annualized figures are +8.76% and +12.51% respectively. Across the full 10-year window we track, VTI has the edge at +8.11% annualized vs +8.10%. 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 15.3% for EFAX. 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 -36.2% for EFAX 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
EFAX charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, EFAX currently yields 3.12% against 1.07% for VTI.
Holdings Overlap
EFAX and VTI share 4 holdings out of 3412 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EFAX or VTI?
EFAX has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, EFAX or VTI?
Over the past year EFAX returned +18.35% vs +22.17% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), EFAX annualized +8.10% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, EFAX or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 15.3% for EFAX. Worst drawdown: EFAX -36.2% vs VTI -56.6%.
Should I hold both EFAX and VTI?
EFAX and VTI have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EFAX and VTI?
EFAX and VTI share 4 common holdings with a 0.1% weight overlap. Combined, they hold 3412 unique securities.
Which pays a higher dividend, EFAX or VTI?
EFAX yields 3.12% while VTI yields 1.07%, so EFAX currently pays the higher dividend yield.
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