EPMB vs VTI
Harbor Mid Cap Core ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. EPMB delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | EPMB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.88% | 0.03% | |
| AUM | $5M | $663.5B | |
| Dividend Yield | 1.53% | 1.07% | |
| Holdings | 60 | 3,543 | |
| YTD Return | +17.71% | +14.96% | |
| 1Y Return | +26.76% | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 12.6% | 15.4% | |
| Max Drawdown | -8.9% | -56.6% | |
| Fund Family | Harbor Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 1, 2025 | May 24, 2001 |
EPMB vs VTI Performance
Harbor Mid Cap Core ETF (EPMB) is a ETF from Harbor Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EPMB returned +26.76% while VTI returned +22.39%. Year to date, EPMB is up 17.71% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 12.6% for EPMB. 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 -8.9% for EPMB 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EPMB 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, EPMB currently yields 1.53% against 1.07% for VTI.
Holdings Overlap
EPMB and VTI share 49 holdings out of 2793 unique holdings combined, representing a 3.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EPMB or VTI?
EPMB 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.
Which performed better, EPMB or VTI?
Over the past year EPMB returned +26.76% vs +22.39% for VTI, so EPMB leads on 1-year performance. Over the longest common window we track (1 years), EPMB annualized +29.77% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, EPMB or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 12.6% for EPMB. Worst drawdown: EPMB -8.9% vs VTI -56.6%.
Should I hold both EPMB and VTI?
EPMB and VTI have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EPMB and VTI?
EPMB and VTI share 49 common holdings with a 3.3% weight overlap. Combined, they hold 2793 unique securities.
Which pays a higher dividend, EPMB or VTI?
EPMB yields 1.53% while VTI yields 1.07%, so EPMB currently pays the higher dividend yield.
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