EMHC vs VTI
State Street SPDR Bloomberg Emerging Markets USD Bond 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 | EMHC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.23% | 0.03% | |
| AUM | $292M | $666.9B | |
| Dividend Yield | 6.20% | 1.07% | |
| Holdings | 542 | 3,543 | |
| YTD Return | +1.16% | +12.65% | |
| 1Y Return | +6.16% | +21.39% | |
| 3Y Return (annualized) | +8.86% | +21.54% | |
| 5Y Return (annualized) | +1.18% | +12.11% | |
| Volatility (annualized) | 9.7% | 15.3% | |
| Max Drawdown | -28.0% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 6, 2021 | May 24, 2001 |
EMHC vs VTI Performance
State Street SPDR Bloomberg Emerging Markets USD Bond ETF (EMHC) is a ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EMHC returned +6.16% while VTI returned +21.39%. Year to date, EMHC is up 1.16% versus a gain of 12.65% for VTI.
Over three years, EMHC compounded at +8.86% per year against +21.54% for VTI; over five years the annualized figures are +1.18% and +12.11% respectively. Across the full 5-year window we track, VTI has the edge at +8.07% annualized vs +1.68%. 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 9.7% for EMHC. 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 -28.0% for EMHC 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
EMHC charges 0.23% per year while VTI charges 0.03%. On a $10,000 position that is $23 vs $3 annually, a gap of $20 per year that compounds over a long holding period. On income, EMHC currently yields 6.20% against 1.07% for VTI.
Holdings Overlap
EMHC and VTI share 0 holdings out of 2795 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, EMHC or VTI?
EMHC has an expense ratio of 0.23% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $20 per year of difference.
Which performed better, EMHC or VTI?
Over the past year EMHC returned +6.16% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), EMHC annualized +1.68% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, EMHC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.7% for EMHC. Worst drawdown: EMHC -28.0% vs VTI -56.6%.
Should I hold both EMHC and VTI?
EMHC and VTI have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EMHC and VTI?
EMHC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2795 unique securities.
Which pays a higher dividend, EMHC or VTI?
EMHC yields 6.20% while VTI yields 1.07%, so EMHC currently pays the higher dividend yield.
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