EMTL vs VTI
State Street DoubleLine Emerging Markets Fixed Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, EMTL or VTI?
Emerging Markets Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. EMTL is less concentrated, with 25.0% of the fund in its ten largest positions against 33.3%.
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 | EMTL | VTI |
|---|---|---|
| Expense Ratio | 0.65% | 0.03%Best |
| AUM | $67M | $666.9B |
| Dividend Yield | 4.95% | 1.03% |
| Holdings | 119 | 3,543 |
| Volatility (annualized) | 7.1%Best | 15.7% |
| Max Drawdown | -22.9%Best | -35.0% |
| $10,000 over 10.3 years | $13,709 | $37,731Best |
| Top 10 Weight | 25.0%Best | 33.3% |
| Fund Family | State Street Investment Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Emerging Markets Bond | Large Cap Blend |
| Inception | Apr 13, 2016 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 55 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. EMTL has data through Jul 21, 2026 and VTI through Sep 14, 2026.
Volatility and max drawdown, and the $10,000 over 10.3 years row, are measured over the window both funds cover: Apr 14, 2016 to Jul 21, 2026 (10.3 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 7.1% for EMTL. 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 -22.9% for EMTL and -35.0% 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 0.64. They move together some of the time, and apart the rest.
Fees and Cost Over Time
EMTL charges 0.65% per year while VTI charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, EMTL currently yields 4.95% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 114 holdings in EMTL and 3,463 in VTI, totalling 98.5% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 122 days apart, EMTL as of Mar 31, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 114 positions we hold weights for in EMTL and 3,463 in VTI, against full books of 119 and 3,543.
What only one of them owns
Our book lists 1,150 positions for VTI that do not appear in our book for EMTL (97.5% of the fund), and 104 for EMTL that do not appear in VTI (98.5%).
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.
You are not choosing between two funds in isolation.
Whichever of EMTL and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, EMTL or VTI?
EMTL has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option, by $62 a year on a $10,000 investment.
Which is riskier, EMTL or VTI?
VTI has been the more volatile fund at 15.7% annualized versus 7.1% for EMTL. Worst drawdown: EMTL -22.9% vs VTI -35.0%.
Should I hold both EMTL and VTI?
EMTL and VTI have a monthly-return correlation of 0.64, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, EMTL or VTI?
EMTL yields 4.95% while VTI yields 1.03%, so EMTL currently pays the higher dividend yield.
Is VTI better than EMTL?
VTI has a lower expense ratio. VTI led over 1Y and the full window. EMTL is less concentrated, with 25.0% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.