MVFD vs VTI
Monarch Volume Factor Dividend Tree Index 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 | MVFD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.19% | 0.03% | |
| AUM | $121M | $663.5B | |
| Dividend Yield | 1.55% | 1.07% | |
| Holdings | 41 | 3,543 | |
| YTD Return | +8.62% | +14.22% | |
| 1Y Return | +20.04% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 13.8% | 15.3% | |
| Max Drawdown | -19.1% | -56.6% | |
| Fund Family | Monarch Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 12, 2024 | May 24, 2001 |
MVFD vs VTI Performance
Monarch Volume Factor Dividend Tree Index ETF (MVFD) is a ETF from Monarch Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MVFD returned +20.04% while VTI returned +22.19%. Year to date, MVFD is up 8.62% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 13.8% for MVFD. 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 -19.1% for MVFD 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MVFD charges 1.19% per year while VTI charges 0.03%. On a $10,000 position that is $119 vs $3 annually, a gap of $116 per year that compounds over a long holding period. On income, MVFD currently yields 1.55% against 1.07% for VTI.
Holdings Overlap
MVFD and VTI share 32 holdings out of 2791 unique holdings combined, representing a 0.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, MVFD or VTI?
MVFD has an expense ratio of 1.19% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $116 per year of difference.
Which performed better, MVFD or VTI?
Over the past year MVFD returned +20.04% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), MVFD annualized +10.88% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, MVFD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 13.8% for MVFD. Worst drawdown: MVFD -19.1% vs VTI -56.6%.
Should I hold both MVFD and VTI?
MVFD and VTI have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MVFD and VTI?
MVFD and VTI share 32 common holdings with a 0.7% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, MVFD or VTI?
MVFD yields 1.55% while VTI yields 1.07%, so MVFD currently pays the higher dividend yield.
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