MDYG vs VTI
State Street SPDR S&P 400 Mid Cap Growth ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. MDYG delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | MDYG | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $3.0B | $666.9B | |
| Dividend Yield | 0.59% | 1.07% | |
| Holdings | 247 | 3,543 | |
| YTD Return | +17.70% | +13.14% | |
| 1Y Return | +25.22% | +22.35% | |
| 3Y Return (annualized) | +16.78% | +21.83% | |
| 5Y Return (annualized) | +8.25% | +12.01% | |
| Volatility (annualized) | 18.3% | 15.3% | |
| Max Drawdown | -59.3% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 8, 2005 | May 24, 2001 |
MDYG vs VTI Performance
State Street SPDR S&P 400 Mid Cap Growth ETF (MDYG) is a ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MDYG returned +25.22% while VTI returned +22.35%. Year to date, MDYG is up 17.70% versus a gain of 13.14% for VTI.
Over three years, MDYG compounded at +16.78% per year against +21.83% for VTI; over five years the annualized figures are +8.25% and +12.01% respectively. Across the full 21-year window we track, MDYG has the edge at +9.31% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MDYG has been the more volatile fund, with annualized monthly volatility of 18.3% 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 -59.3% for MDYG 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
MDYG charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, MDYG currently yields 0.59% against 1.07% for VTI.
Holdings Overlap
MDYG and VTI share 186 holdings out of 2847 unique holdings combined, representing a 2.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, MDYG or VTI?
MDYG has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, MDYG or VTI?
Over the past year MDYG returned +25.22% vs +22.35% for VTI, so MDYG leads on 1-year performance. Over the longest common window we track (21 years), MDYG annualized +9.31% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, MDYG or VTI?
MDYG has been the more volatile fund at 18.3% annualized versus 15.3% for VTI. Worst drawdown: MDYG -59.3% vs VTI -56.6%.
Should I hold both MDYG and VTI?
MDYG and VTI have a monthly-return correlation of 0.93, 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 MDYG and VTI?
MDYG and VTI share 186 common holdings with a 2.2% weight overlap. Combined, they hold 2847 unique securities.
Which pays a higher dividend, MDYG or VTI?
MDYG yields 0.59% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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