IQDF vs VTI
Northern Trust International Quality Dividend ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IQDF or VTI?
Large Cap Value against Large Cap Blend.
VTI has a lower expense ratio. IQDF led over 1Y and 3Y, VTI over 5Y and the full window. IQDF is less concentrated, with 20.3% of the fund in its ten largest positions against 33.3%.
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
| Metric | IQDF | VTI |
|---|---|---|
| Expense Ratio | 0.47% | 0.03%Best |
| AUM | $1.1B | $690.1B |
| Dividend Yield | 2.92% | 1.03% |
| Holdings | 530 | 3,524 |
| YTD Return | +14.18%Best | +12.51% |
| 1Y Return | +23.59%Best | +15.23% |
| 3Y Return (annualized) | +23.86%Best | +22.50% |
| 5Y Return (annualized) | +11.88% | +12.31%Best |
| Volatility (annualized) | 15.0% | 14.7%Best |
| Max Drawdown | -47.3% | -35.0%Best |
| $10,000 over 5 years | $17,529 | $17,869Best |
| Top 10 Weight | 20.3%Best | 33.3% |
| Fund Family | Northern Trust Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Apr 12, 2013 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Apr 16, 2013 to Oct 1, 2026 (13.5 years).
IQDF 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 13.5 years both funds cover.
IQDF vs VTI Performance
Northern Trust International Quality Dividend ETF (IQDF) is an ETF from Northern Trust Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year IQDF returned +23.59% while VTI returned +15.23%. Year to date, IQDF is up 14.18% versus a gain of 12.51% for VTI.
Over three years, IQDF compounded at +23.86% per year against +22.50% for VTI; over five years the annualized figures are +11.88% and +12.31% respectively. Across the full 14-year window we track, VTI has the edge at +12.73% annualized vs +4.62%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IQDF has been the more volatile fund, with annualized monthly volatility of 15.0% compared with 14.7% 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 -47.3% for IQDF and -35.0% 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IQDF charges 0.47% per year while VTI charges 0.03%. On a $10,000 position that is $47 vs $3 annually, a gap of $44 per year that compounds over a long holding period. On income, IQDF currently yields 2.92% against 1.03% for VTI.
Holdings Overlap
1.4% of IQDF's money is in holdings VTI also owns. 0.1% of VTI's money is in holdings IQDF also owns.
IQDF and VTI share little of their money.
The two holdings books were reported 46 days apart, IQDF as of Sep 15, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
2 positions in common, counted across the 188 positions we hold weights for in IQDF and 3,463 in VTI, against full books of 530 and 3,524.
What only one of them owns
Our book lists 1,149 positions for VTI that do not appear in our book for IQDF (97.4% of the fund), and 1 for IQDF that do not appear in VTI (0.2%).
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.
You are not choosing between two funds in isolation.
Whichever of IQDF and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IQDF or VTI?
IQDF has an expense ratio of 0.47% while VTI charges 0.03%. VTI is the cheaper option, by $44 a year on a $10,000 investment.
Which performed better, IQDF or VTI?
Over the past year IQDF returned +23.59% vs +15.23% for VTI, so IQDF leads on 1-year performance. Over the longest common window we track (14 years), IQDF annualized +4.62% vs +12.73% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IQDF or VTI?
IQDF has been the more volatile fund at 15.0% annualized versus 14.7% for VTI. Worst drawdown: IQDF -47.3% vs VTI -35.0%.
Should I hold both IQDF and VTI?
IQDF and VTI have a monthly-return correlation of 0.79, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between IQDF and VTI?
1.4% of IQDF's money is in holdings VTI also owns. 0.1% of VTI's is in holdings IQDF also owns. They hold 2 positions in common, counted across the 188 positions we hold weights for in IQDF and 3,463 in VTI.
Which pays a higher dividend, IQDF or VTI?
IQDF yields 2.92% while VTI yields 1.03%, so IQDF currently pays the higher dividend yield.
Is VTI better than IQDF?
VTI has a lower expense ratio. IQDF led over 1Y and 3Y, VTI over 5Y and the full window. IQDF is less concentrated, with 20.3% 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.