GEMD vs VTI
Goldman Sachs Access Emerging Markets USD Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | GEMD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.03% | |
| AUM | $36M | $663.5B | |
| Dividend Yield | 5.63% | 1.07% | |
| Holdings | 195 | 3,543 | |
| YTD Return | -1.72% | +14.20% | |
| 1Y Return | +3.02% | +24.16% | |
| 3Y Return (annualized) | +6.45% | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 10.1% | 15.3% | |
| Max Drawdown | -24.6% | -56.6% | |
| Fund Family | Goldman Sachs Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 15, 2022 | May 24, 2001 |
GEMD vs VTI Performance
Goldman Sachs Access Emerging Markets USD Bond ETF (GEMD) is a ETF from Goldman Sachs Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year GEMD returned +3.02% while VTI returned +24.16%. Year to date, GEMD is down 1.72% versus a gain of 14.20% for VTI.
Over three years, GEMD compounded at +6.45% per year against +21.12% for VTI. Across the full 5-year window we track, VTI has the edge at +8.14% annualized vs +1.11%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -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 0.78. 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 5.63% against 1.07% for VTI.
Holdings Overlap
GEMD and VTI share 0 holdings out of 2875 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $27 per year of difference.
Which performed better, GEMD or VTI?
Over the past year GEMD returned +3.02% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), GEMD annualized +1.11% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, GEMD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.1% for GEMD. Worst drawdown: GEMD -24.6% vs VTI -56.6%.
Should I hold both GEMD and VTI?
GEMD and VTI have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GEMD and VTI?
GEMD and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2875 unique securities.
Which pays a higher dividend, GEMD or VTI?
GEMD yields 5.63% while VTI yields 1.07%, so GEMD currently pays the higher dividend yield.
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