INTF vs VTI
iShares International Equity Factor ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. INTF delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | INTF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.16% | 0.03% | |
| AUM | $3.6B | $663.5B | |
| Dividend Yield | 3.04% | 1.07% | |
| Holdings | 506 | 3,543 | |
| YTD Return | +14.50% | +13.87% | |
| 1Y Return | +27.42% | +23.31% | |
| 3Y Return (annualized) | +20.97% | +21.17% | |
| 5Y Return (annualized) | +10.90% | +12.23% | |
| Volatility (annualized) | 15.1% | 15.3% | |
| Max Drawdown | -43.9% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 28, 2015 | May 24, 2001 |
INTF vs VTI Performance
iShares International Equity Factor ETF (INTF) 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 INTF returned +27.42% while VTI returned +23.31%. Year to date, INTF is up 14.50% versus a gain of 13.87% for VTI.
Over three years, INTF compounded at +20.97% per year against +21.17% for VTI; over five years the annualized figures are +10.90% and +12.23% respectively. Across the full 11-year window we track, VTI has the edge at +8.13% annualized vs +6.76%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 15.1% for INTF. 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 -43.9% for INTF 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
INTF charges 0.16% per year while VTI charges 0.03%. On a $10,000 position that is $16 vs $3 annually, a gap of $13 per year that compounds over a long holding period. On income, INTF currently yields 3.04% against 1.07% for VTI.
Holdings Overlap
INTF and VTI share 3 holdings out of 3257 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, INTF or VTI?
INTF has an expense ratio of 0.16% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, INTF or VTI?
Over the past year INTF returned +27.42% vs +23.31% for VTI, so INTF leads on 1-year performance. Over the longest common window we track (11 years), INTF annualized +6.76% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, INTF or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 15.1% for INTF. Worst drawdown: INTF -43.9% vs VTI -56.6%.
Should I hold both INTF and VTI?
INTF 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 INTF and VTI?
INTF and VTI share 3 common holdings with a 0.1% weight overlap. Combined, they hold 3257 unique securities.
Which pays a higher dividend, INTF or VTI?
INTF yields 3.04% while VTI yields 1.07%, so INTF currently pays the higher dividend yield.
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