IMFL vs VTI
Invesco International Developed Dynamic Multifactor ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. IMFL delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | IMFL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.34% | 0.03% | |
| AUM | $1.0B | $663.5B | |
| Dividend Yield | 2.89% | 1.07% | |
| Holdings | 887 | 3,543 | |
| YTD Return | +15.58% | +14.22% | |
| 1Y Return | +27.16% | +22.19% | |
| 3Y Return (annualized) | +16.30% | +21.27% | |
| 5Y Return (annualized) | +8.38% | +12.23% | |
| Volatility (annualized) | 15.9% | 15.3% | |
| Max Drawdown | -33.3% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 24, 2021 | May 24, 2001 |
IMFL vs VTI Performance
Invesco International Developed Dynamic Multifactor ETF (IMFL) is a ETF from Invesco (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IMFL returned +27.16% while VTI returned +22.19%. Year to date, IMFL is up 15.58% versus a gain of 14.22% for VTI.
Over three years, IMFL compounded at +16.30% per year against +21.27% for VTI; over five years the annualized figures are +8.38% and +12.23% respectively. Across the full 6-year window we track, IMFL has the edge at +9.27% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IMFL has been the more volatile fund, with annualized monthly volatility of 15.9% 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 -33.3% for IMFL 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IMFL charges 0.34% per year while VTI charges 0.03%. On a $10,000 position that is $34 vs $3 annually, a gap of $31 per year that compounds over a long holding period. On income, IMFL currently yields 2.89% against 1.07% for VTI.
Holdings Overlap
IMFL and VTI share 6 holdings out of 3629 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IMFL or VTI?
IMFL has an expense ratio of 0.34% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $31 per year of difference.
Which performed better, IMFL or VTI?
Over the past year IMFL returned +27.16% vs +22.19% for VTI, so IMFL leads on 1-year performance. Over the longest common window we track (6 years), IMFL annualized +9.27% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, IMFL or VTI?
IMFL has been the more volatile fund at 15.9% annualized versus 15.3% for VTI. Worst drawdown: IMFL -33.3% vs VTI -56.6%.
Should I hold both IMFL and VTI?
IMFL and VTI have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IMFL and VTI?
IMFL and VTI share 6 common holdings with a 0.1% weight overlap. Combined, they hold 3629 unique securities.
Which pays a higher dividend, IMFL or VTI?
IMFL yields 2.89% while VTI yields 1.07%, so IMFL currently pays the higher dividend yield.
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