HOMZ vs VTI
Hoya Capital Housing 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 | HOMZ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.03% | |
| AUM | $36M | $666.9B | |
| Dividend Yield | 2.66% | 1.07% | |
| Holdings | 97 | 3,543 | |
| YTD Return | +2.43% | +13.14% | |
| 1Y Return | +1.28% | +22.35% | |
| 3Y Return (annualized) | +9.88% | +21.83% | |
| 5Y Return (annualized) | +4.50% | +12.01% | |
| Volatility (annualized) | 24.4% | 15.3% | |
| Max Drawdown | -48.2% | -56.6% | |
| Fund Family | Hoya Capital Real Estate, LLC | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 19, 2019 | May 24, 2001 |
HOMZ vs VTI Performance
Hoya Capital Housing ETF (HOMZ) is a ETF from Hoya Capital Real Estate, LLC and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year HOMZ returned +1.28% while VTI returned +22.35%. Year to date, HOMZ is up 2.43% versus a gain of 13.14% for VTI.
Over three years, HOMZ compounded at +9.88% per year against +21.83% for VTI; over five years the annualized figures are +4.50% and +12.01% respectively. Across the full 7-year window we track, HOMZ has the edge at +10.34% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HOMZ has been the more volatile fund, with annualized monthly volatility of 24.4% 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 -48.2% for HOMZ 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HOMZ 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, HOMZ currently yields 2.66% against 1.07% for VTI.
Holdings Overlap
HOMZ and VTI share 77 holdings out of 2810 unique holdings combined, representing a 2.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, HOMZ or VTI?
HOMZ 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, HOMZ or VTI?
Over the past year HOMZ returned +1.28% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), HOMZ annualized +10.34% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, HOMZ or VTI?
HOMZ has been the more volatile fund at 24.4% annualized versus 15.3% for VTI. Worst drawdown: HOMZ -48.2% vs VTI -56.6%.
Should I hold both HOMZ and VTI?
HOMZ and VTI have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HOMZ and VTI?
HOMZ and VTI share 77 common holdings with a 2.6% weight overlap. Combined, they hold 2810 unique securities.
Which pays a higher dividend, HOMZ or VTI?
HOMZ yields 2.66% while VTI yields 1.07%, so HOMZ currently pays the higher dividend yield.
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