EMLC vs VTI
VanEck JP Morgan EM Local Currency 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 | EMLC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.03% | |
| AUM | $4.8B | $666.9B | |
| Dividend Yield | 6.30% | 1.07% | |
| Holdings | 524 | 3,543 | |
| YTD Return | +2.74% | +14.82% | |
| 1Y Return | +8.04% | +22.43% | |
| 3Y Return (annualized) | +7.07% | +21.93% | |
| 5Y Return (annualized) | +2.13% | +12.34% | |
| Volatility (annualized) | 11.1% | 15.4% | |
| Max Drawdown | -56.3% | -56.6% | |
| Fund Family | VanEck | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 22, 2010 | May 24, 2001 |
EMLC vs VTI Performance
VanEck JP Morgan EM Local Currency Bond ETF (EMLC) is a ETF from VanEck and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EMLC returned +8.04% while VTI returned +22.43%. Year to date, EMLC is up 2.74% versus a gain of 14.82% for VTI.
Over three years, EMLC compounded at +7.07% per year against +21.93% for VTI; over five years the annualized figures are +2.13% and +12.34% respectively. Across the full 16-year window we track, VTI has the edge at +8.16% annualized vs -2.31%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 11.1% for EMLC. 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 -56.3% for EMLC 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EMLC charges 0.30% per year while VTI charges 0.03%. On a $10,000 position that is $30 vs $3 annually, a gap of $27 per year that compounds over a long holding period. On income, EMLC currently yields 6.30% against 1.07% for VTI.
Holdings Overlap
EMLC 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, EMLC or VTI?
EMLC has an expense ratio of 0.30% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $27 per year of difference.
Which performed better, EMLC or VTI?
Over the past year EMLC returned +8.04% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (16 years), EMLC annualized -2.31% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, EMLC or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 11.1% for EMLC. Worst drawdown: EMLC -56.3% vs VTI -56.6%.
Should I hold both EMLC and VTI?
EMLC and VTI have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EMLC and VTI?
EMLC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2795 unique securities.
Which pays a higher dividend, EMLC or VTI?
EMLC yields 6.30% while VTI yields 1.07%, so EMLC currently pays the higher dividend yield.
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