INTM vs VTI
Invesco Intermediate Municipal 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 2783 holdings.
Side-by-Side Comparison
| Metric | INTM | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $101M | $663.5B | |
| Dividend Yield | 2.92% | 1.07% | |
| Holdings | 173 | 3,543 | |
| YTD Return | -0.87% | +14.22% | |
| 1Y Return | +3.14% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 4.2% | 15.3% | |
| Max Drawdown | -2.9% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 23, 2025 | May 24, 2001 |
INTM vs VTI Performance
Invesco Intermediate Municipal ETF (INTM) is a ETF from Invesco (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year INTM returned +3.14% while VTI returned +22.19%. Year to date, INTM is down 0.87% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.2% for INTM. 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 -2.9% for INTM 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
INTM charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, INTM currently yields 2.92% against 1.07% for VTI.
Holdings Overlap
INTM and VTI share 0 holdings out of 2840 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, INTM or VTI?
INTM has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, INTM or VTI?
Over the past year INTM returned +3.14% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), INTM annualized +3.40% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, INTM or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.2% for INTM. Worst drawdown: INTM -2.9% vs VTI -56.6%.
Should I hold both INTM and VTI?
INTM and VTI have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INTM and VTI?
INTM and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2840 unique securities.
Which pays a higher dividend, INTM or VTI?
INTM yields 2.92% while VTI yields 1.07%, so INTM currently pays the higher dividend yield.
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