MDPL vs VTI
Monarch Dividend Plus Index ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, MDPL or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y and 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 | MDPL | VTI |
|---|---|---|
| Expense Ratio | 1.19% | 0.03%Best |
| AUM | $65M | $666.9B |
| Dividend Yield | 1.47% | 1.07% |
| Holdings | 32 | 3,543 |
| YTD Return | +12.29% | +13.59%Best |
| 1Y Return | +12.41% | +20.00%Best |
| 3Y Return (annualized) | - | +20.95% |
| 5Y Return (annualized) | - | +11.81% |
| Volatility (annualized) | 16.2% | 12.3%Best |
| Max Drawdown | -14.2%Best | -19.3% |
| $10,000 over 2.5 years | $12,206 | $15,328Best |
| Fund Family | Monarch Funds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Feb 12, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.5 years row, are measured over the window both funds cover: Mar 7, 2024 to Sep 4, 2026 (2.5 years).
MDPL 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 2.5 years both funds cover.
MDPL vs VTI Performance
Monarch Dividend Plus Index ETF (MDPL) is an ETF from Monarch Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year MDPL returned +12.41% while VTI returned +20.00%. Year to date, MDPL is up 12.29% versus a gain of 13.59% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MDPL has been the more volatile fund, with annualized monthly volatility of 16.2% compared with 12.3% 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 -14.2% for MDPL 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 0.35. They move together some of the time, and apart the rest.
Fees and Cost Over Time
MDPL charges 1.19% per year while VTI charges 0.03%. On a $10,000 position that is $119 vs $3 annually, a gap of $116 per year that compounds over a long holding period. On income, MDPL currently yields 1.47% against 1.07% for VTI.
Holdings Overlap
At least 72.3% of MDPL's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 92.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of MDPL is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 49 days apart, MDPL as of Aug 18, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
22 positions in common, counted across the 30 positions we hold weights for in MDPL and 2,787 in VTI, against full books of 32 and 3,543.
Top Shared Holdings
| Stock | Weight in MDPL | Weight in VTI | Difference |
|---|---|---|---|
| MPCMarathon Petroleum Corp | 3.97% | 0.10% | 3.87% |
| CTSHCognizant Technology Solutions Corp. Class A | 3.97% | 0.03% | 3.94% |
| INTUIntuit, Inc. | 3.68% | 0.10% | 3.58% |
| ACNAccenture Plc | 3.64% | 0.10% | 3.54% |
| HLNEHamilton Lane Inc | 3.66% | 0.00% | 3.66% |
| SSNCSs&C Technologies Holdings Inc. | 3.55% | 0.02% | 3.53% |
| SCHWSchwab Strategic T | 3.33% | 0.21% | 3.12% |
| BAHBooz Allen Hamilton Holding Corp. | 3.50% | 0.00% | 3.50% |
| AMPAmeriprise Financial Inc | 3.32% | 0.06% | 3.26% |
| BDXBecton Dickinson And Co. | 3.30% | 0.06% | 3.24% |
72.3% of MDPL is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, MDPL or VTI?
MDPL has an expense ratio of 1.19% while VTI charges 0.03%. VTI is the cheaper option, by $116 a year on a $10,000 investment.
Which performed better, MDPL or VTI?
Over the past year MDPL returned +12.41% vs +20.00% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, MDPL or VTI?
MDPL has been the more volatile fund at 16.2% annualized versus 12.3% for VTI. Worst drawdown: MDPL -14.2% vs VTI -19.3%.
Should I hold both MDPL and VTI?
MDPL and VTI have a monthly-return correlation of 0.35, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between MDPL and VTI?
At least 72.3% of MDPL's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 22 positions in common, counted across the 30 positions we hold weights for in MDPL and 2,787 in VTI.
Which pays a higher dividend, MDPL or VTI?
MDPL yields 1.47% while VTI yields 1.07%, so MDPL currently pays the higher dividend yield.
Is VTI better than MDPL?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.