GEMD vs VTI
Goldman Sachs Access Emerging Markets USD Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, GEMD or VTI?
Emerging Markets Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window.
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 | GEMD | VTI |
|---|---|---|
| Expense Ratio | 0.30% | 0.03%Best |
| AUM | $35M | $666.9B |
| Dividend Yield | 5.76% | 1.03% |
| Holdings | 207 | 3,543 |
| YTD Return | -4.06% | +11.06%Best |
| 1Y Return | -1.84% | +15.41%Best |
| 3Y Return (annualized) | +6.17% | +20.48%Best |
| 5Y Return (annualized) | - | +11.52% |
| Volatility (annualized) | 10.1%Best | 15.9% |
| Max Drawdown | -24.6% | -22.4%Best |
| $10,000 over 4.6 years | $10,256 | $17,934Best |
| Fund Family | Goldman Sachs Asset Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Emerging Markets Bond | Large Cap Blend |
| Inception | Feb 15, 2022 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.6 years row, are measured over the window both funds cover: Feb 17, 2022 to Sep 16, 2026 (4.6 years).
GEMD vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4.6 years both funds cover.
GEMD vs VTI Performance
Goldman Sachs Access Emerging Markets USD Bond ETF (GEMD) is an ETF from Goldman Sachs Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year GEMD returned -1.84% while VTI returned +15.41%. Year to date, GEMD is down 4.06% versus a gain of 11.06% for VTI.
Over three years, GEMD compounded at +6.17% per year against +20.48% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 10.1% for GEMD. 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 -24.6% for GEMD and -22.4% 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
GEMD charges 0.30% per year while VTI charges 0.03%. On a $10,000 position that is $30 vs $3 annually, a gap of $27 per year that compounds over a long holding period. On income, GEMD currently yields 5.76% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 97 holdings in GEMD and 3,463 in VTI, totalling 47.4% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 97 positions we hold weights for in GEMD and 3,463 in VTI, against full books of 207 and 3,543.
You are not choosing between two funds in isolation.
Whichever of GEMD 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, GEMD or VTI?
GEMD has an expense ratio of 0.30% while VTI charges 0.03%. VTI is the cheaper option, by $27 a year on a $10,000 investment.
Which performed better, GEMD or VTI?
Over the past year GEMD returned -1.84% vs +15.41% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, GEMD or VTI?
VTI has been the more volatile fund at 15.9% annualized versus 10.1% for GEMD. Worst drawdown: GEMD -24.6% vs VTI -22.4%.
Should I hold both GEMD and VTI?
GEMD and VTI have a monthly-return correlation of 0.78, 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, GEMD or VTI?
GEMD yields 5.76% while VTI yields 1.03%, so GEMD currently pays the higher dividend yield.
Is VTI better than GEMD?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.