MEDI vs VTI
Harbor Health Care ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, MEDI or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 56.8%.
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 | MEDI | VTI |
|---|---|---|
| Expense Ratio | 0.80% | 0.03%Best |
| AUM | $44M | $666.9B |
| Dividend Yield | 0.04% | 1.03% |
| Holdings | 44 | 3,543 |
| YTD Return | +5.10% | +12.30%Best |
| 1Y Return | +14.98% | +16.08%Best |
| 3Y Return (annualized) | +14.46% | +21.01%Best |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 16.2% | 13.4%Best |
| Max Drawdown | -19.2%Best | -19.3% |
| $10,000 over 3.8 years | $17,075 | $19,899Best |
| Top 10 Weight | 56.8% | 33.3%Best |
| Fund Family | Harbor Funds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Nov 16, 2022 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 3.8 years row, are measured over the window both funds cover: Nov 17, 2022 to Sep 18, 2026 (3.8 years).
MEDI 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 3.8 years both funds cover.
MEDI vs VTI Performance
Harbor Health Care ETF (MEDI) is an ETF from Harbor Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year MEDI returned +14.98% while VTI returned +16.08%. Year to date, MEDI is up 5.10% versus a gain of 12.30% for VTI.
Over three years, MEDI compounded at +14.46% per year against +21.01% for VTI. Across the full 4-year window we track, VTI has the edge at +19.85% annualized vs +15.12%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MEDI has been the more volatile fund, with annualized monthly volatility of 16.2% compared with 13.4% 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 -19.2% for MEDI 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 0.57. They move together some of the time, and apart the rest.
Fees and Cost Over Time
MEDI 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, MEDI currently yields 0.04% against 1.03% for VTI.
Holdings Overlap
75.0% of MEDI's money is in holdings VTI also owns. 4.5% of VTI's money is in holdings MEDI also owns.
Most of MEDI is already inside VTI. Owning both mostly buys the same companies twice.
38 positions in common, counted across the 46 positions we hold weights for in MEDI and 3,463 in VTI, against full books of 44 and 3,543.
What only one of them owns
Our book lists 1,114 positions for VTI that do not appear in our book for MEDI (92.9% of the fund), and 3 for MEDI that do not appear in VTI (17.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in MEDI | Weight in VTI | Difference |
|---|---|---|---|
| LLYEli Lilly & Co. | 18.39% | 1.35% | 17.04% |
| GILDGilead Sciences | 3.93% | 0.22% | 3.71% |
| RYTMRhythm Pharmaceuticals Inc | 4.00% | 0.01% | 3.99% |
| ABBVAbbvie Inc. | 2.77% | 0.61% | 2.16% |
| BSXBoston Scientific Corp. | 2.57% | 0.10% | 2.47% |
| INSMInsmed Inc | 2.63% | 0.03% | 2.60% |
| NTRANatera Inc | 2.55% | 0.05% | 2.50% |
| CORCencora Inc | 2.23% | 0.08% | 2.15% |
| PODDInsulet Corporation | 2.27% | 0.02% | 2.25% |
| RVMDRevolution Medicines Inc | 2.16% | 0.05% | 2.11% |
75.0% of MEDI 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, MEDI or VTI?
MEDI 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 performed better, MEDI or VTI?
Over the past year MEDI returned +14.98% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), MEDI annualized +15.12% vs +19.85% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, MEDI or VTI?
MEDI has been the more volatile fund at 16.2% annualized versus 13.4% for VTI. Worst drawdown: MEDI -19.2% vs VTI -19.3%.
Should I hold both MEDI and VTI?
MEDI and VTI have a monthly-return correlation of 0.57, 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 MEDI and VTI?
75.0% of MEDI's money is in holdings VTI also owns. 4.5% of VTI's is in holdings MEDI also owns. They hold 38 positions in common, counted across the 46 positions we hold weights for in MEDI and 3,463 in VTI.
Which pays a higher dividend, MEDI or VTI?
MEDI yields 0.04% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than MEDI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 56.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.