KBWR vs VTI
Invesco KBW Regional Banking 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 | KBWR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $52M | $666.9B | |
| Dividend Yield | 2.65% | 1.07% | |
| Holdings | 52 | 3,543 | |
| YTD Return | +11.45% | +13.14% | |
| 1Y Return | +13.84% | +22.35% | |
| 3Y Return (annualized) | +8.55% | +21.83% | |
| 5Y Return (annualized) | +6.18% | +12.01% | |
| Volatility (annualized) | 27.1% | 15.3% | |
| Max Drawdown | -52.9% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 1, 2011 | May 24, 2001 |
KBWR vs VTI Performance
Invesco KBW Regional Banking ETF (KBWR) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year KBWR returned +13.84% while VTI returned +22.35%. Year to date, KBWR is up 11.45% versus a gain of 13.14% for VTI.
Over three years, KBWR compounded at +8.55% per year against +21.83% for VTI; over five years the annualized figures are +6.18% and +12.01% respectively. Across the full 14-year window we track, KBWR has the edge at +10.69% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
KBWR has been the more volatile fund, with annualized monthly volatility of 27.1% 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 -52.9% for KBWR 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
KBWR 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, KBWR currently yields 2.65% against 1.07% for VTI.
Holdings Overlap
KBWR and VTI share 41 holdings out of 2797 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, KBWR or VTI?
KBWR 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, KBWR or VTI?
Over the past year KBWR returned +13.84% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (14 years), KBWR annualized +10.69% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, KBWR or VTI?
KBWR has been the more volatile fund at 27.1% annualized versus 15.3% for VTI. Worst drawdown: KBWR -52.9% vs VTI -56.6%.
Should I hold both KBWR and VTI?
KBWR and VTI have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between KBWR and VTI?
KBWR and VTI share 41 common holdings with a 0.1% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, KBWR or VTI?
KBWR yields 2.65% while VTI yields 1.07%, so KBWR currently pays the higher dividend yield.
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