MAPP vs VTI
Harbor Multi-Asset Explorer ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, MAPP or VTI?
Multi Alternative against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.90.
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 | MAPP | VTI |
|---|---|---|
| Expense Ratio | 0.80% | 0.03%Best |
| AUM | $11M | $666.9B |
| Dividend Yield | 2.85% | 1.03% |
| Holdings | 24 | 3,543 |
| Volatility (annualized) | 8.5%Best | 13.0% |
| Max Drawdown | -12.9%Best | -19.3% |
| $10,000 over 3 years | $15,209 | $17,799Best |
| Fund Family | Harbor Funds | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Blend |
| Inception | Sep 13, 2023 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 14 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. MAPP has data through Aug 28, 2026 and VTI through Sep 11, 2026.
Volatility and max drawdown, and the $10,000 over 3 years row, are measured over the window both funds cover: Sep 14, 2023 to Aug 28, 2026 (3 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.0% compared with 8.5% for MAPP. 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 -12.9% for MAPP and -19.3% 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 0.90. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
MAPP charges 0.80% per year while VTI charges 0.03%. On a $10,000 position that is $80 vs $3 annually, a gap of $77 per year that compounds over a long holding period. On income, MAPP currently yields 2.85% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 23 holdings in MAPP and 2,787 in VTI, totalling 99.8% and 90.6% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 23 positions we hold weights for in MAPP and 2,787 in VTI, against full books of 24 and 3,543.
You are not choosing between two funds in isolation.
Whichever of MAPP 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, MAPP or VTI?
MAPP has an expense ratio of 0.80% while VTI charges 0.03%. VTI is the cheaper option, by $77 a year on a $10,000 investment.
Which is riskier, MAPP or VTI?
VTI has been the more volatile fund at 13.0% annualized versus 8.5% for MAPP. Worst drawdown: MAPP -12.9% vs VTI -19.3%.
Should I hold both MAPP and VTI?
MAPP and VTI have a monthly-return correlation of 0.90, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
Which pays a higher dividend, MAPP or VTI?
MAPP yields 2.85% while VTI yields 1.03%, so MAPP currently pays the higher dividend yield.
Is VTI better than MAPP?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.90. Which one suits a particular account depends on what it is for. This is information, not a recommendation.