GENM vs VTI
Genter Capital Municipal Quality Intermediate ETF 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 | GENM | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $31M | $666.9B | |
| Dividend Yield | 3.22% | 1.07% | |
| Holdings | 75 | 3,543 | |
| YTD Return | +0.90% | +13.67% | |
| 1Y Return | +3.02% | +22.17% | |
| 3Y Return (annualized) | - | +21.93% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 2.8% | 15.3% | |
| Max Drawdown | -2.4% | -56.6% | |
| Fund Family | Genter Capital Management | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | May 21, 2024 | May 24, 2001 |
GENM vs VTI Performance
Genter Capital Municipal Quality Intermediate ETF (GENM) is a ETF from Genter Capital Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year GENM returned +3.02% while VTI returned +22.17%. Year to date, GENM is up 0.90% versus a gain of 13.67% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.8% for GENM. 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 -2.4% for GENM 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GENM charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, GENM currently yields 3.22% against 1.07% for VTI.
Holdings Overlap
GENM and VTI share 0 holdings out of 2804 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, GENM or VTI?
GENM has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, GENM or VTI?
Over the past year GENM returned +3.02% vs +22.17% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), GENM annualized +3.52% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, GENM or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.8% for GENM. Worst drawdown: GENM -2.4% vs VTI -56.6%.
Should I hold both GENM and VTI?
GENM and VTI have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GENM and VTI?
GENM and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2804 unique securities.
Which pays a higher dividend, GENM or VTI?
GENM yields 3.22% while VTI yields 1.07%, so GENM currently pays the higher dividend yield.
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