MDPL vs VTI
Monarch Dividend Plus Index ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | MDPL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.24% | 0.03% | |
| AUM | $58M | $663.5B | |
| Dividend Yield | 1.66% | 1.07% | |
| Holdings | 32 | 3,543 | |
| YTD Return | +10.07% | +13.87% | |
| 1Y Return | +14.80% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 15.6% | 15.3% | |
| Max Drawdown | -14.2% | -56.6% | |
| Fund Family | Monarch Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 12, 2024 | May 24, 2001 |
MDPL vs VTI Performance
Monarch Dividend Plus Index ETF (MDPL) is a ETF from Monarch Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MDPL returned +14.80% while VTI returned +23.31%. Year to date, MDPL is up 10.07% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
MDPL has been the more volatile fund, with annualized monthly volatility of 15.6% 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 -14.2% for MDPL 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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MDPL charges 1.24% per year while VTI charges 0.03%. On a $10,000 position that is $124 vs $3 annually, a gap of $121 per year that compounds over a long holding period. On income, MDPL currently yields 1.66% against 1.07% for VTI.
Holdings Overlap
MDPL and VTI share 22 holdings out of 2791 unique holdings combined, representing a 1.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, MDPL or VTI?
MDPL has an expense ratio of 1.24% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $121 per year of difference.
Which performed better, MDPL or VTI?
Over the past year MDPL returned +14.80% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), MDPL annualized +7.64% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, MDPL or VTI?
MDPL has been the more volatile fund at 15.6% annualized versus 15.3% for VTI. Worst drawdown: MDPL -14.2% vs VTI -56.6%.
Should I hold both MDPL and VTI?
MDPL and VTI have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MDPL and VTI?
MDPL and VTI share 22 common holdings with a 1.2% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, MDPL or VTI?
MDPL yields 1.66% while VTI yields 1.07%, so MDPL currently pays the higher dividend yield.
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