MFUL vs VTI
Mindful Conservative ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | MFUL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.48% | 0.03% | |
| AUM | $7M | $666.9B | |
| Dividend Yield | 2.41% | 1.07% | |
| Holdings | 17 | 3,543 | |
| YTD Return | +3.71% | +12.65% | |
| 1Y Return | +5.33% | +21.39% | |
| 3Y Return (annualized) | +5.40% | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 4.9% | 15.3% | |
| Max Drawdown | -16.4% | -56.6% | |
| Fund Family | Mohr Funds | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 2, 2021 | May 24, 2001 |
MFUL vs VTI Performance
Mindful Conservative ETF (MFUL) is a ETF from Mohr Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MFUL returned +5.33% while VTI returned +21.39%. Year to date, MFUL is up 3.71% versus a gain of 12.65% for VTI.
Over three years, MFUL compounded at +5.40% per year against +21.54% for VTI. Across the full 5-year window we track, VTI has the edge at +8.07% annualized vs +0.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.9% for MFUL. 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 -16.4% for MFUL 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
MFUL charges 1.48% per year while VTI charges 0.03%. On a $10,000 position that is $148 vs $3 annually, a gap of $145 per year that compounds over a long holding period. On income, MFUL currently yields 2.41% against 1.07% for VTI.
Holdings Overlap
MFUL and VTI share 0 holdings out of 2802 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, MFUL or VTI?
MFUL has an expense ratio of 1.48% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $145 per year of difference.
Which performed better, MFUL or VTI?
Over the past year MFUL returned +5.33% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), MFUL annualized +0.14% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, MFUL or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.9% for MFUL. Worst drawdown: MFUL -16.4% vs VTI -56.6%.
Should I hold both MFUL and VTI?
MFUL and VTI have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MFUL and VTI?
MFUL and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2802 unique securities.
Which pays a higher dividend, MFUL or VTI?
MFUL yields 2.41% while VTI yields 1.07%, so MFUL currently pays the higher dividend yield.
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