IQDY vs VTI
Northern Trust International Quality Dividend Dynamic ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IQDY or VTI?
Large Cap Value against Large Cap Blend.
VTI has a lower expense ratio. IQDY led over 1Y, 3Y and 5Y, VTI over the full window.
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 | IQDY | VTI |
|---|---|---|
| Expense Ratio | 0.47% | 0.03%Best |
| AUM | $114M | $666.9B |
| Dividend Yield | 2.89% | 1.03% |
| Holdings | 252 | 3,543 |
| YTD Return | +19.29%Best | +12.57% |
| 1Y Return | +31.61%Best | +17.22% |
| 3Y Return (annualized) | +25.41%Best | +20.87% |
| 5Y Return (annualized) | +12.50%Best | +11.86% |
| Volatility (annualized) | 17.2% | 14.8%Best |
| Max Drawdown | -45.3% | -35.0%Best |
| $10,000 over 5 years | $18,020Best | $17,514 |
| 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 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Apr 16, 2013 to Sep 11, 2026 (13.4 years).
IQDY 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 13.4 years both funds cover.
IQDY vs VTI Performance
Northern Trust International Quality Dividend Dynamic ETF (IQDY) 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 IQDY returned +31.61% while VTI returned +17.22%. Year to date, IQDY is up 19.29% versus a gain of 12.57% for VTI.
Over three years, IQDY compounded at +25.41% per year against +20.87% for VTI; over five years the annualized figures are +12.50% and +11.86% respectively. Across the full 13-year window we track, VTI has the edge at +12.79% annualized vs +6.52%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IQDY has been the more volatile fund, with annualized monthly volatility of 17.2% compared with 14.8% 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 -45.3% for IQDY 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IQDY 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, IQDY currently yields 2.89% against 1.03% for VTI.
Holdings Overlap
At least 0.9% of IQDY's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
3 positions in common, counted across the 200 positions we hold weights for in IQDY and 2,787 in VTI, against full books of 252 and 3,543.
You are not choosing between two funds in isolation.
Whichever of IQDY 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, IQDY or VTI?
IQDY 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, IQDY or VTI?
Over the past year IQDY returned +31.61% vs +17.22% for VTI, so IQDY leads on 1-year performance. Over the longest common window we track (13 years), IQDY annualized +6.52% vs +12.79% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IQDY or VTI?
IQDY has been the more volatile fund at 17.2% annualized versus 14.8% for VTI. Worst drawdown: IQDY -45.3% vs VTI -35.0%.
Should I hold both IQDY and VTI?
IQDY and VTI have a monthly-return correlation of 0.80, 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, IQDY or VTI?
IQDY yields 2.89% while VTI yields 1.03%, so IQDY currently pays the higher dividend yield.
Is VTI better than IQDY?
VTI has a lower expense ratio. IQDY led over 1Y, 3Y and 5Y, VTI over the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.