IQSI vs VTI
NYLI Candriam International Equity ETF vs Vanguard Morningstar 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 | IQSI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $275M | $666.9B | |
| Dividend Yield | 2.69% | 1.07% | |
| Holdings | 648 | 3,543 | |
| YTD Return | +13.04% | +13.14% | |
| 1Y Return | +20.02% | +22.35% | |
| 3Y Return (annualized) | +17.69% | +21.83% | |
| 5Y Return (annualized) | +8.53% | +12.01% | |
| Volatility (annualized) | 16.9% | 15.3% | |
| Max Drawdown | -31.9% | -56.6% | |
| Fund Family | INDEXIQ ETF TRUST | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 17, 2019 | May 24, 2001 |
IQSI vs VTI Performance
NYLI Candriam International Equity ETF (IQSI) is a ETF from INDEXIQ ETF TRUST and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IQSI returned +20.02% while VTI returned +22.35%. Year to date, IQSI is up 13.04% versus a gain of 13.14% for VTI.
Over three years, IQSI compounded at +17.69% per year against +21.83% for VTI; over five years the annualized figures are +8.53% and +12.01% respectively. Across the full 7-year window we track, IQSI has the edge at +9.54% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IQSI has been the more volatile fund, with annualized monthly volatility of 16.9% compared with 15.3% 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 -31.9% for IQSI 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IQSI charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, IQSI currently yields 2.69% against 1.07% for VTI.
Holdings Overlap
IQSI and VTI share 3 holdings out of 3345 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, IQSI or VTI?
IQSI has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, IQSI or VTI?
Over the past year IQSI returned +20.02% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), IQSI annualized +9.54% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, IQSI or VTI?
IQSI has been the more volatile fund at 16.9% annualized versus 15.3% for VTI. Worst drawdown: IQSI -31.9% vs VTI -56.6%.
Should I hold both IQSI and VTI?
IQSI and VTI have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IQSI and VTI?
IQSI and VTI share 3 common holdings with a 0.0% weight overlap. Combined, they hold 3345 unique securities.
Which pays a higher dividend, IQSI or VTI?
IQSI yields 2.69% while VTI yields 1.07%, so IQSI currently pays the higher dividend yield.
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