EFRA vs VTI

EFRA vs VTI
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Quick Verdict

VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.

Lower Fees: VTIHigher Returns: VTIMore Diversified: VTI

Side-by-Side Comparison

MetricEFRAVTIWinner
Expense Ratio0.47%0.03%
AUM$6M$666.9B
Dividend Yield4.07%1.07%
Holdings1013,543
YTD Return+9.05%+13.67%
1Y Return+10.61%+22.17%
3Y Return (annualized)+12.88%+21.93%
5Y Return (annualized)-+12.51%
Volatility (annualized)15.3%15.3%
Max Drawdown-17.9%-56.6%
Fund FamilyiShares by BlackRock (US)Vanguard (US)
CategoryEquityEquity
InceptionNov 1, 2022May 24, 2001

EFRA vs VTI Performance

iShares Environmental Infrastructure and Industrials ETF (EFRA) is a ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EFRA returned +10.61% while VTI returned +22.17%. Year to date, EFRA is up 9.05% versus a gain of 13.67% for VTI.

Over three years, EFRA compounded at +12.88% per year against +21.93% for VTI. Across the full 4-year window we track, EFRA has the edge at +13.89% annualized vs +8.11%. 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 EFRA. 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 -17.9% for EFRA 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.

Fees and Cost Over Time

EFRA charges 0.47% per year while VTI charges 0.03%. On a $10,000 position that is $47 vs $3 annually, a gap of $44 per year that compounds over a long holding period. On income, EFRA currently yields 4.07% against 1.07% for VTI.

Holdings Overlap

0.3%overlap

EFRA and VTI share 17 holdings out of 2850 unique holdings combined, representing a 0.3% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Top Shared Holdings

StockWeight in EFRAWeight in VTIDifference
WAB6.33%0.06%6.27%
XYL6.29%0.04%6.25%
VLTO6.21%0.03%6.18%
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Frequently Asked Questions

Which is cheaper, EFRA or VTI?

EFRA has an expense ratio of 0.47% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $44 per year of difference.

Which performed better, EFRA or VTI?

Over the past year EFRA returned +10.61% vs +22.17% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), EFRA annualized +13.89% vs +8.11% for VTI. Past performance does not guarantee future results.

Which is riskier, EFRA or VTI?

VTI has been the more volatile fund at 15.3% annualized versus 15.3% for EFRA. Worst drawdown: EFRA -17.9% vs VTI -56.6%.

Should I hold both EFRA and VTI?

EFRA and VTI have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.

What is the holdings overlap between EFRA and VTI?

EFRA and VTI share 17 common holdings with a 0.3% weight overlap. Combined, they hold 2850 unique securities.

Which pays a higher dividend, EFRA or VTI?

EFRA yields 4.07% while VTI yields 1.07%, so EFRA currently pays the higher dividend yield.

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