MORT vs VTI
VanEck Mortgage REIT Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, MORT or VTI?
Small Cap Value against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 74.8%.
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 | MORT | VTI |
|---|---|---|
| Expense Ratio | 0.43% | 0.03%Best |
| AUM | $374M | $666.9B |
| Dividend Yield | 15.00% | 1.03% |
| Holdings | 25 | 3,543 |
| YTD Return | -7.37% | +14.05%Best |
| 1Y Return | -0.79% | +16.93%Best |
| 3Y Return (annualized) | +4.93% | +22.65%Best |
| 5Y Return (annualized) | -2.77% | +12.46%Best |
| Volatility (annualized) | 24.1% | 14.7%Best |
| Max Drawdown | -75.0% | -35.0%Best |
| $10,000 over 5 years | $8,690 | $17,988Best |
| Top 10 Weight | 74.8% | 33.3%Best |
| Fund Family | VanEck | Vanguard (US) |
| Category | Equity | Equity |
| Style | Small Cap Value | Large Cap Blend |
| Inception | Aug 16, 2011 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Aug 17, 2011 to Sep 22, 2026 (15.1 years).
MORT 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 15.1 years both funds cover.
MORT vs VTI Performance
VanEck Mortgage REIT Income ETF (MORT) is an ETF from VanEck and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year MORT returned -0.79% while VTI returned +16.93%. Year to date, MORT is down 7.37% versus a gain of 14.05% for VTI.
Over three years, MORT compounded at +4.93% per year against +22.65% for VTI; over five years the annualized figures are -2.77% and +12.46% respectively. Across the full 15-year window we track, VTI has the edge at +13.42% annualized vs -2.41%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MORT has been the more volatile fund, with annualized monthly volatility of 24.1% compared with 14.7% 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 -75.0% for MORT and -35.0% 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 0.69. They move together some of the time, and apart the rest.
Fees and Cost Over Time
MORT charges 0.43% per year while VTI charges 0.03%. On a $10,000 position that is $43 vs $3 annually, a gap of $40 per year that compounds over a long holding period. On income, MORT currently yields 15.00% against 1.03% for VTI.
Holdings Overlap
97.0% of MORT's money is in holdings VTI also owns. 0.1% of VTI's money is in holdings MORT also owns.
Most of MORT is already inside VTI. Owning both mostly buys the same companies twice.
23 positions in common, counted across the 24 positions we hold weights for in MORT and 3,463 in VTI, against full books of 25 and 3,543.
What only one of them owns
Measured across the 24 and 3,463 positions we hold weights for.
VTI holds 1,146 positions MORT does not, 97.4% of the fund.
Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%
Top Shared Holdings
| Stock | Weight in MORT | Weight in VTI | Difference |
|---|---|---|---|
| NLYAnnaly Capital Management Inc | 19.52% | 0.02% | 19.50% |
| AGNCAgnc Investment Corp. | 15.40% | 0.02% | 15.38% |
| RITMRithm Capital | 7.40% | 0.01% | 7.39% |
| STWDStarwood Property Trust Inc Com Reit | 6.95% | 0.01% | 6.94% |
| DXDynex Capital, Inc. | 5.30% | 0.00% | 5.30% |
| EFCEllington Financial Inc | 4.65% | 0.00% | 4.65% |
| ARRArmour Residential Reit Inc | 4.57% | 0.00% | 4.57% |
| ORCOrchid Isla | 4.34% | 0.00% | 4.34% |
| BXMTBlackstone Mortgage Trust Inc | 3.62% | 0.00% | 3.62% |
| LADRLadder Capital Corp. | 3.05% | 0.00% | 3.05% |
97.0% of MORT 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, MORT or VTI?
MORT has an expense ratio of 0.43% while VTI charges 0.03%. VTI is the cheaper option, by $40 a year on a $10,000 investment.
Which performed better, MORT or VTI?
Over the past year MORT returned -0.79% vs +16.93% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (15 years), MORT annualized -2.41% vs +13.42% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, MORT or VTI?
MORT has been the more volatile fund at 24.1% annualized versus 14.7% for VTI. Worst drawdown: MORT -75.0% vs VTI -35.0%.
Should I hold both MORT and VTI?
MORT and VTI have a monthly-return correlation of 0.69, 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 MORT and VTI?
97.0% of MORT's money is in holdings VTI also owns. 0.1% of VTI's is in holdings MORT also owns. They hold 23 positions in common, counted across the 24 positions we hold weights for in MORT and 3,463 in VTI.
Which pays a higher dividend, MORT or VTI?
MORT yields 15.00% while VTI yields 1.03%, so MORT currently pays the higher dividend yield.
Is VTI better than MORT?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 74.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.