EVF vs VTI
Eaton Vance Senior Income Trust 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 | EVF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 2.38% | 0.03% | |
| AUM | $108M | $666.9B | |
| Dividend Yield | 7.85% | 1.07% | |
| Holdings | 462 | 3,543 | |
| YTD Return | +0.05% | +14.82% | |
| 1Y Return | -1.50% | +22.43% | |
| 3Y Return (annualized) | +5.76% | +21.93% | |
| 5Y Return (annualized) | +2.56% | +12.34% | |
| Volatility (annualized) | 14.1% | 15.4% | |
| Max Drawdown | -71.3% | -56.6% | |
| Fund Family | Eaton Vance | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 30, 1998 | May 24, 2001 |
EVF vs VTI Performance
Eaton Vance Senior Income Trust (EVF) is a ETF from Eaton Vance and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EVF returned -1.50% while VTI returned +22.43%. Year to date, EVF is up 0.05% versus a gain of 14.82% for VTI.
Over three years, EVF compounded at +5.76% per year against +21.93% for VTI; over five years the annualized figures are +2.56% and +12.34% respectively. Across the full 25-year window we track, VTI has the edge at +8.16% annualized vs -0.73%. 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 14.1% for EVF. 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 -71.3% for EVF 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EVF charges 2.38% per year while VTI charges 0.03%. On a $10,000 position that is $238 vs $3 annually, a gap of $235 per year that compounds over a long holding period. On income, EVF currently yields 7.85% against 1.07% for VTI.
Holdings Overlap
EVF and VTI share 1 holdings out of 2994 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in EVF | Weight in VTI | Difference |
|---|---|---|---|
| SKIL | 0.01% | 0.00% | 0.01% |
Frequently Asked Questions
Which is cheaper, EVF or VTI?
EVF has an expense ratio of 2.38% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $235 per year of difference.
Which performed better, EVF or VTI?
Over the past year EVF returned -1.50% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (25 years), EVF annualized -0.73% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, EVF or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 14.1% for EVF. Worst drawdown: EVF -71.3% vs VTI -56.6%.
Should I hold both EVF and VTI?
EVF and VTI have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EVF and VTI?
EVF and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2994 unique securities.
Which pays a higher dividend, EVF or VTI?
EVF yields 7.85% while VTI yields 1.07%, so EVF currently pays the higher dividend yield.
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