MID vs VTI
American Century Mid Cap Growth Impact 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 | MID | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.03% | |
| AUM | $100M | $663.5B | |
| Dividend Yield | 0.15% | 1.07% | |
| Holdings | 39 | 3,543 | |
| YTD Return | +5.76% | +14.20% | |
| 1Y Return | +4.70% | +24.16% | |
| 3Y Return (annualized) | +13.48% | +21.12% | |
| 5Y Return (annualized) | +3.08% | +12.37% | |
| Volatility (annualized) | 20.5% | 15.3% | |
| Max Drawdown | -40.1% | -56.6% | |
| Fund Family | American Century Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 15, 2020 | May 24, 2001 |
MID vs VTI Performance
American Century Mid Cap Growth Impact ETF (MID) is a ETF from American Century Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MID returned +4.70% while VTI returned +24.16%. Year to date, MID is up 5.76% versus a gain of 14.20% for VTI.
Over three years, MID compounded at +13.48% per year against +21.12% for VTI; over five years the annualized figures are +3.08% and +12.37% respectively. Across the full 6-year window we track, MID has the edge at +9.64% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MID has been the more volatile fund, with annualized monthly volatility of 20.5% 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 -40.1% for MID 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 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
MID charges 0.45% per year while VTI charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, MID currently yields 0.15% against 1.07% for VTI.
Holdings Overlap
MID and VTI share 26 holdings out of 2791 unique holdings combined, representing a 1.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, MID or VTI?
MID has an expense ratio of 0.45% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $42 per year of difference.
Which performed better, MID or VTI?
Over the past year MID returned +4.70% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), MID annualized +9.64% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, MID or VTI?
MID has been the more volatile fund at 20.5% annualized versus 15.3% for VTI. Worst drawdown: MID -40.1% vs VTI -56.6%.
Should I hold both MID and VTI?
MID and VTI have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MID and VTI?
MID and VTI share 26 common holdings with a 1.5% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, MID or VTI?
MID yields 0.15% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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