IWFG vs VTI
NYLI Winslow Focused Large Cap Growth 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 | IWFG | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.46% | 0.03% | |
| AUM | $63M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 30 | 3,543 | |
| YTD Return | +1.75% | +12.65% | |
| 1Y Return | +4.13% | +21.39% | |
| 3Y Return (annualized) | +22.13% | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 18.4% | 15.3% | |
| Max Drawdown | -22.0% | -56.6% | |
| Fund Family | New York Life Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 22, 2022 | May 24, 2001 |
IWFG vs VTI Performance
NYLI Winslow Focused Large Cap Growth ETF (IWFG) is a ETF from New York Life Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IWFG returned +4.13% while VTI returned +21.39%. Year to date, IWFG is up 1.75% versus a gain of 12.65% for VTI.
Over three years, IWFG compounded at +22.13% per year against +21.54% for VTI. Across the full 4-year window we track, IWFG has the edge at +21.94% annualized vs +8.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IWFG has been the more volatile fund, with annualized monthly volatility of 18.4% 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 -22.0% for IWFG 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
IWFG charges 0.46% per year while VTI charges 0.03%. On a $10,000 position that is $46 vs $3 annually, a gap of $43 per year that compounds over a long holding period. On income, IWFG currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
IWFG and VTI share 27 holdings out of 2788 unique holdings combined, representing a 32.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IWFG or VTI?
IWFG has an expense ratio of 0.46% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, IWFG or VTI?
Over the past year IWFG returned +4.13% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), IWFG annualized +21.94% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, IWFG or VTI?
IWFG has been the more volatile fund at 18.4% annualized versus 15.3% for VTI. Worst drawdown: IWFG -22.0% vs VTI -56.6%.
Should I hold both IWFG and VTI?
IWFG and VTI have a monthly-return correlation of 0.91, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between IWFG and VTI?
IWFG and VTI share 27 common holdings with a 32.7% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, IWFG or VTI?
IWFG yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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