EFIV vs VTI
State Street SPDR S&P 500 ESG ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, EFIV or VTI?
Nearly the same fund. VTI costs less.
VTI has a lower expense ratio. EFIV led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.99. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 40.7%.
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 | EFIV | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $1.0B | $666.9B |
| Dividend Yield | 0.93% | 1.03% |
| Holdings | 332 | 3,543 |
| YTD Return | +11.94% | +12.30%Best |
| 1Y Return | +18.57%Best | +16.08% |
| 3Y Return (annualized) | +21.08%Best | +21.01% |
| 5Y Return (annualized) | +14.11%Best | +12.36% |
| Volatility (annualized) | 15.7%Tie | 15.7%Tie |
| Max Drawdown | -24.5%Best | -25.4% |
| $10,000 over 5 years | $19,347Best | $17,908 |
| Top 10 Weight | 40.7% | 33.3%Best |
| Fund Family | State Street Investment Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jul 27, 2020 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Jul 28, 2020 to Sep 18, 2026 (6.1 years).
EFIV 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 6.1 years both funds cover.
EFIV vs VTI Performance
State Street SPDR S&P 500 ESG ETF (EFIV) is an ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year EFIV returned +18.57% while VTI returned +16.08%. Year to date, EFIV is up 11.94% versus a gain of 12.30% for VTI.
Over three years, EFIV compounded at +21.08% per year against +21.01% for VTI; over five years the annualized figures are +14.11% and +12.36% respectively. Across the full 6-year window we track, EFIV has the edge at +17.17% annualized vs +16.00%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EFIV and VTI have been equally volatile, both at 15.7% annualized.
The deepest peak-to-trough decline in our data was -24.5% for EFIV 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 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
EFIV charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, EFIV currently yields 0.93% against 1.03% for VTI.
Holdings Overlap
97.7% of EFIV's money is in holdings VTI also owns. 53.3% of VTI's money is in holdings EFIV also owns.
Most of EFIV is already inside VTI. Owning both mostly buys the same companies twice.
318 positions in common, counted across the 327 positions we hold weights for in EFIV and 3,463 in VTI, against full books of 332 and 3,543.
What only one of them owns
Our book lists 836 positions for VTI that do not appear in our book for EFIV (44.3% of the fund), and 6 for EFIV that do not appear in VTI (1.6%).
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 EFIV | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 13.03% | 6.40% | 6.63% |
| MSFTMicrosoft Corp | 9.18% | 4.79% | 4.39% |
| GOOGLAlphabet Inc,class A | 4.85% | 2.90% | 1.95% |
| GOOGAlphabet Inc | 3.86% | 2.31% | 1.55% |
| MUMicron Technology, Inc. | 2.64% | 1.29% | 1.35% |
| LLYEli Lilly & Co. | 2.23% | 1.35% | 0.88% |
| VVisa Inc Class A | 1.54% | 0.83% | 0.71% |
| WMTWalmart, Inc. | 1.12% | 0.68% | 0.44% |
| MAMastercard Inc | 1.16% | 0.63% | 0.53% |
| ABBVAbbvie Inc. | 1.11% | 0.61% | 0.50% |
97.7% of EFIV 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, EFIV or VTI?
EFIV has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option, by $7 a year on a $10,000 investment.
Which performed better, EFIV or VTI?
Over the past year EFIV returned +18.57% vs +16.08% for VTI, so EFIV leads on 1-year performance. Over the longest common window we track (6 years), EFIV annualized +17.17% vs +16.00% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, EFIV or VTI?
EFIV and VTI have been equally volatile, both at 15.7% annualized. Worst drawdown: EFIV -24.5% vs VTI -25.4%.
Should I hold both EFIV and VTI?
EFIV and VTI have a monthly-return correlation of 0.99, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between EFIV and VTI?
97.7% of EFIV's money is in holdings VTI also owns. 53.3% of VTI's is in holdings EFIV also owns. They hold 318 positions in common, counted across the 327 positions we hold weights for in EFIV and 3,463 in VTI.
Which pays a higher dividend, EFIV or VTI?
EFIV yields 0.93% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than EFIV?
VTI has a lower expense ratio. EFIV led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.99. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 40.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.