MEDI vs VTI
Harbor Health Care ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. MEDI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | MEDI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.03% | |
| AUM | $42M | $663.5B | |
| Dividend Yield | 0.04% | 1.07% | |
| Holdings | 41 | 3,543 | |
| YTD Return | +9.72% | +13.87% | |
| 1Y Return | +31.10% | +23.31% | |
| 3Y Return (annualized) | +16.20% | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 16.3% | 15.3% | |
| Max Drawdown | -19.2% | -56.6% | |
| Fund Family | Harbor Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 16, 2022 | May 24, 2001 |
MEDI vs VTI Performance
Harbor Health Care ETF (MEDI) is a ETF from Harbor Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MEDI returned +31.10% while VTI returned +23.31%. Year to date, MEDI is up 9.72% versus a gain of 13.87% for VTI.
Over three years, MEDI compounded at +16.20% per year against +21.17% for VTI. Across the full 4-year window we track, MEDI has the edge at +16.91% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MEDI has been the more volatile fund, with annualized monthly volatility of 16.3% 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 -19.2% for MEDI 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
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 1.07% for VTI.
Holdings Overlap
MEDI and VTI share 28 holdings out of 2798 unique holdings combined, representing a 4.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $77 per year of difference.
Which performed better, MEDI or VTI?
Over the past year MEDI returned +31.10% vs +23.31% for VTI, so MEDI leads on 1-year performance. Over the longest common window we track (4 years), MEDI annualized +16.91% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, MEDI or VTI?
MEDI has been the more volatile fund at 16.3% annualized versus 15.3% for VTI. Worst drawdown: MEDI -19.2% vs VTI -56.6%.
Should I hold both MEDI and VTI?
MEDI and VTI have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MEDI and VTI?
MEDI and VTI share 28 common holdings with a 4.6% weight overlap. Combined, they hold 2798 unique securities.
Which pays a higher dividend, MEDI or VTI?
MEDI yields 0.04% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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