EFNL vs VTI
iShares MSCI Finland ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. EFNL delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | EFNL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.53% | 0.03% | |
| AUM | $240M | $663.5B | |
| Dividend Yield | 1.02% | 1.07% | |
| Holdings | 39 | 3,543 | |
| YTD Return | +8.92% | +13.87% | |
| 1Y Return | +28.88% | +23.31% | |
| 3Y Return (annualized) | +20.31% | +21.17% | |
| 5Y Return (annualized) | +4.26% | +12.23% | |
| Volatility (annualized) | 19.9% | 15.3% | |
| Max Drawdown | -56.0% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 25, 2012 | May 24, 2001 |
EFNL vs VTI Performance
iShares MSCI Finland ETF (EFNL) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EFNL returned +28.88% while VTI returned +23.31%. Year to date, EFNL is up 8.92% versus a gain of 13.87% for VTI.
Over three years, EFNL compounded at +20.31% per year against +21.17% for VTI; over five years the annualized figures are +4.26% and +12.23% respectively. Across the full 15-year window we track, EFNL has the edge at +8.64% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EFNL has been the more volatile fund, with annualized monthly volatility of 19.9% compared with 15.3% for VTI. 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 -56.0% for EFNL 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EFNL charges 0.53% per year while VTI charges 0.03%. On a $10,000 position that is $53 vs $3 annually, a gap of $50 per year that compounds over a long holding period. On income, EFNL currently yields 1.02% against 1.07% for VTI.
Holdings Overlap
EFNL and VTI share 0 holdings out of 2818 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EFNL or VTI?
EFNL has an expense ratio of 0.53% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $50 per year of difference.
Which performed better, EFNL or VTI?
Over the past year EFNL returned +28.88% vs +23.31% for VTI, so EFNL leads on 1-year performance. Over the longest common window we track (15 years), EFNL annualized +8.64% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, EFNL or VTI?
EFNL has been the more volatile fund at 19.9% annualized versus 15.3% for VTI. Worst drawdown: EFNL -56.0% vs VTI -56.6%.
Should I hold both EFNL and VTI?
EFNL and VTI have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EFNL and VTI?
EFNL and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2818 unique securities.
Which pays a higher dividend, EFNL or VTI?
EFNL yields 1.02% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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