EPAI vs VTI
Harbor AI Inflection Strategy ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | EPAI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.88% | 0.03% | |
| AUM | $5M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 38 | 3,543 | |
| YTD Return | +25.71% | +12.23% | |
| 1Y Return | - | +20.11% | |
| 3Y Return (annualized) | - | +20.52% | |
| 5Y Return (annualized) | - | +11.49% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -23.6% | -56.6% | |
| Fund Family | Harbor Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 17, 2025 | May 24, 2001 |
EPAI vs VTI Performance
Harbor AI Inflection Strategy ETF (EPAI) is a ETF from Harbor Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, EPAI is up 25.71% versus a gain of 12.23% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -23.6% for EPAI and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
EPAI charges 0.88% per year while VTI charges 0.03%. On a $10,000 position that is $88 vs $3 annually, a gap of $85 per year that compounds over a long holding period. On income, EPAI currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
EPAI and VTI share 33 holdings out of 2791 unique holdings combined, representing a 4.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EPAI or VTI?
EPAI has an expense ratio of 0.88% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $85 per year of difference.
What is the holdings overlap between EPAI and VTI?
EPAI and VTI share 33 common holdings with a 4.1% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, EPAI or VTI?
EPAI yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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