IMFL vs VTI

IMFL vs VTI

Which is better, IMFL or VTI?

Large Cap Value against Large Cap Blend.

VTI has a lower expense ratio. IMFL led over 1Y, VTI over 3Y, 5Y and the full window. IMFL is less concentrated, with 25.7% of the fund in its ten largest positions against 33.3%.

Lower Fees: VTIHigher Returns: splitLess Concentrated: IMFL

MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.

Side-by-Side Comparison

MetricIMFLVTI
Expense Ratio0.34%0.03%Best
AUM$1.1B$666.9B
Dividend Yield2.91%1.03%
Holdings8843,543
YTD Return+13.14%Best+12.30%
1Y Return+23.53%Best+16.08%
3Y Return (annualized)+14.88%+21.01%Best
5Y Return (annualized)+8.27%+12.36%Best
Volatility (annualized)15.8%15.4%Best
Max Drawdown-33.3%-25.4%Best
$10,000 over 5 years$14,878$17,908Best
Top 10 Weight25.7%Best33.3%
Fund FamilyInvesco (US)Vanguard (US)
CategoryEquityEquity
StyleLarge Cap ValueLarge Cap Blend
InceptionFeb 24, 2021May 24, 2001

Volatility and max drawdown are measured over the window both funds cover: Feb 24, 2021 to Sep 18, 2026 (5.6 years).

IMFL vs VTI growth

Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 5.6 years both funds cover.

IMFL vs VTI Performance

Invesco International Developed Dynamic Multifactor ETF (IMFL) is an ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year IMFL returned +23.53% while VTI returned +16.08%. Year to date, IMFL is up 13.14% versus a gain of 12.30% for VTI.

Over three years, IMFL compounded at +14.88% per year against +21.01% for VTI; over five years the annualized figures are +8.27% and +12.36% respectively. Across the full 6-year window we track, VTI has the edge at +12.91% annualized vs +8.68%.

Past performance does not guarantee future results.

Risk: Volatility and Drawdowns

IMFL has been the more volatile fund, with annualized monthly volatility of 15.8% compared with 15.4% 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 -25.4% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.

The two funds' monthly returns correlate at 0.73. 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 2.91% against 1.03% for VTI.

Holdings Overlap

IMFL already in VTI0.4%
VTI already in IMFL0.7%

0.4% of IMFL's money is in holdings VTI also owns. 0.7% of VTI's money is in holdings IMFL also owns.

We cannot see either book well enough to say how much of this pair is duplicated.

8 positions in common, counted across the 754 positions we hold weights for in IMFL and 3,463 in VTI, against full books of 884 and 3,543.

What only one of them owns

Our book lists 1,146 positions for VTI that do not appear in our book for IMFL (96.8% of the fund), and 15 for IMFL that do not appear in VTI (10.8%).

Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.

Top Shared Holdings

StockWeight in IMFLWeight in VTIDifference
MRKMerck & Company Inc0.04%0.45%0.41%
WCN:CAWaste Connections Inc Common Stock Cad 00.17%0.06%0.11%
HONHoneywell International Inc.0.07%0.11%0.04%
SUNBSunbelt Rentals0.04%0.04%0.00%
SGP:AUStockland Corp. Ltd.0.06%0.00%0.06%
AMAntero Midstream Corporationam0.03%0.01%0.02%
RBA:CARb Global, Inc0.01%0.03%0.02%
FBKFb Financial Corp0.01%0.00%0.01%

You are not choosing between two funds in isolation.

Whichever of IMFL and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.

IMFLVTI

Free for up to 10 holdings. No account needed.

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, by $31 a year on a $10,000 investment.

Which performed better, IMFL or VTI?

Over the past year IMFL returned +23.53% vs +16.08% for VTI, so IMFL leads on 1-year performance. Over the longest common window we track (6 years), IMFL annualized +8.68% vs +12.91% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.

Which is riskier, IMFL or VTI?

IMFL has been the more volatile fund at 15.8% annualized versus 15.4% for VTI. Worst drawdown: IMFL -33.3% vs VTI -25.4%.

Should I hold both IMFL and VTI?

IMFL and VTI have a monthly-return correlation of 0.73, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

Which pays a higher dividend, IMFL or VTI?

IMFL yields 2.91% while VTI yields 1.03%, so IMFL currently pays the higher dividend yield.

Is VTI better than IMFL?

VTI has a lower expense ratio. IMFL led over 1Y, VTI over 3Y, 5Y and the full window. IMFL is less concentrated, with 25.7% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.