GLRY vs VTI
Inspire Growth 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 | GLRY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.03% | |
| AUM | $171M | $666.9B | |
| Dividend Yield | 0.17% | 1.07% | |
| Holdings | 34 | 3,543 | |
| YTD Return | +12.07% | +13.38% | |
| 1Y Return | +18.55% | +21.12% | |
| 3Y Return (annualized) | +17.15% | +21.85% | |
| 5Y Return (annualized) | +8.91% | +12.44% | |
| Volatility (annualized) | 19.4% | 15.3% | |
| Max Drawdown | -40.6% | -56.6% | |
| Fund Family | Inspire ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 7, 2020 | May 24, 2001 |
GLRY vs VTI Performance
Inspire Growth ETF (GLRY) is a ETF from Inspire ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year GLRY returned +18.55% while VTI returned +21.12%. Year to date, GLRY is up 12.07% versus a gain of 13.38% for VTI.
Over three years, GLRY compounded at +17.15% per year against +21.85% for VTI; over five years the annualized figures are +8.91% and +12.44% respectively. Across the full 6-year window we track, GLRY has the edge at +10.09% annualized vs +8.10%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
GLRY has been the more volatile fund, with annualized monthly volatility of 19.4% compared with 15.3% for VTI. 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 -40.6% for GLRY 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
GLRY charges 0.80% per year while VTI charges 0.03%. On a $10,000 position that is $80 vs $3 annually, a gap of $77 per year that compounds over a long holding period. On income, GLRY currently yields 0.17% against 1.07% for VTI.
Holdings Overlap
GLRY and VTI share 26 holdings out of 2794 unique holdings combined, representing a 4.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, GLRY or VTI?
GLRY has an expense ratio of 0.80% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $77 per year of difference.
Which performed better, GLRY or VTI?
Over the past year GLRY returned +18.55% vs +21.12% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), GLRY annualized +10.09% vs +8.10% for VTI. Past performance does not guarantee future results.
Which is riskier, GLRY or VTI?
GLRY has been the more volatile fund at 19.4% annualized versus 15.3% for VTI. Worst drawdown: GLRY -40.6% vs VTI -56.6%.
Should I hold both GLRY and VTI?
GLRY and VTI have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GLRY and VTI?
GLRY and VTI share 26 common holdings with a 4.1% weight overlap. Combined, they hold 2794 unique securities.
Which pays a higher dividend, GLRY or VTI?
GLRY yields 0.17% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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