INDY vs VTI
iShares India 50 ETF vs Vanguard 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 | INDY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $554M | $663.5B | |
| Dividend Yield | 9.43% | 1.07% | |
| Holdings | 55 | 3,543 | |
| YTD Return | -11.33% | +14.96% | |
| 1Y Return | -8.24% | +22.39% | |
| 3Y Return (annualized) | +1.95% | +21.51% | |
| 5Y Return (annualized) | +1.63% | +12.36% | |
| Volatility (annualized) | 20.6% | 15.4% | |
| Max Drawdown | -45.5% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 18, 2009 | May 24, 2001 |
INDY vs VTI Performance
iShares India 50 ETF (INDY) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year INDY returned -8.24% while VTI returned +22.39%. Year to date, INDY is down 11.33% versus a gain of 14.96% for VTI.
Over three years, INDY compounded at +1.95% per year against +21.51% for VTI; over five years the annualized figures are +1.63% and +12.36% respectively. Across the full 17-year window we track, VTI has the edge at +8.16% annualized vs +4.65%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
INDY has been the more volatile fund, with annualized monthly volatility of 20.6% 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 -45.5% for INDY 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
INDY charges 0.65% per year while VTI charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, INDY currently yields 9.43% against 1.07% for VTI.
Holdings Overlap
INDY and VTI share 0 holdings out of 2834 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, INDY or VTI?
INDY has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, INDY or VTI?
Over the past year INDY returned -8.24% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (17 years), INDY annualized +4.65% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, INDY or VTI?
INDY has been the more volatile fund at 20.6% annualized versus 15.4% for VTI. Worst drawdown: INDY -45.5% vs VTI -56.6%.
Should I hold both INDY and VTI?
INDY and VTI have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INDY and VTI?
INDY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2834 unique securities.
Which pays a higher dividend, INDY or VTI?
INDY yields 9.43% while VTI yields 1.07%, so INDY currently pays the higher dividend yield.
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