EPSB vs VTI
Harbor SMID Cap Core ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. EPSB delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | EPSB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.88% | 0.03% | |
| AUM | $5M | $666.9B | |
| Dividend Yield | 1.13% | 1.07% | |
| Holdings | 59 | 3,543 | |
| YTD Return | +17.12% | +13.12% | |
| 1Y Return | +21.51% | +21.07% | |
| 3Y Return (annualized) | - | +20.54% | |
| 5Y Return (annualized) | - | +11.71% | |
| Volatility (annualized) | 13.2% | 15.3% | |
| Max Drawdown | -8.5% | -56.6% | |
| Fund Family | Harbor Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 1, 2025 | May 24, 2001 |
EPSB vs VTI Performance
Harbor SMID Cap Core ETF (EPSB) is a ETF from Harbor Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EPSB returned +21.51% while VTI returned +21.07%. Year to date, EPSB is up 17.12% versus a gain of 13.12% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 13.2% for EPSB. 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 -8.5% for EPSB 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EPSB 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, EPSB currently yields 1.13% against 1.07% for VTI.
Holdings Overlap
EPSB and VTI share 44 holdings out of 2801 unique holdings combined, representing a 1.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EPSB or VTI?
EPSB 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, EPSB or VTI?
Over the past year EPSB returned +21.51% vs +21.07% for VTI, so EPSB leads on 1-year performance. Over the longest common window we track (1 years), EPSB annualized +25.26% vs +8.08% for VTI. Past performance does not guarantee future results.
Which is riskier, EPSB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 13.2% for EPSB. Worst drawdown: EPSB -8.5% vs VTI -56.6%.
Should I hold both EPSB and VTI?
EPSB and VTI have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EPSB and VTI?
EPSB and VTI share 44 common holdings with a 1.1% weight overlap. Combined, they hold 2801 unique securities.
Which pays a higher dividend, EPSB or VTI?
EPSB yields 1.13% while VTI yields 1.07%, so EPSB currently pays the higher dividend yield.
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