OAIW vs VTI
OpenAI Lab Ecosystem ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, OAIW or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 63.8%.
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 | OAIW | VTI |
|---|---|---|
| Expense Ratio | 0.59% | 0.03%Best |
| AUM | $4M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 25 | 3,543 |
| YTD Return | -6.11% | +12.08%Best |
| 1Y Return | - | +16.31% |
| 3Y Return (annualized) | - | +20.83% |
| 5Y Return (annualized) | - | +11.89% |
| Top 10 Weight | 63.8% | 33.3%Best |
| Fund Family | Harbor Funds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Aug 12, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
OAIW 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
OAIW vs VTI Performance
OpenAI Lab Ecosystem ETF (OAIW) is an ETF from Harbor Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, OAIW is down 6.11% versus a gain of 12.08% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
OAIW charges 0.59% per year while VTI charges 0.03%. On a $10,000 position that is $59 vs $3 annually, a gap of $56 per year that compounds over a long holding period. On income, OAIW currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
71.8% of OAIW's money is in holdings VTI also owns. 20.4% of VTI's money is in holdings OAIW also owns.
Most of OAIW is already inside VTI. Owning both mostly buys the same companies twice.
18 positions in common, counted across the 25 positions we hold weights for in OAIW and 3,463 in VTI, against full books of 25 and 3,543.
What only one of them owns
Our book lists 1,133 positions for VTI that do not appear in our book for OAIW (77.1% of the fund), and 3 for OAIW that do not appear in VTI (7.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in OAIW | Weight in VTI | Difference |
|---|---|---|---|
| MSFTMicrosoft Corp | 8.92% | 4.79% | 4.13% |
| NVDANvidia Corp | 4.64% | 6.40% | 1.76% |
| AMZNAmazon.Com Inc | 7.31% | 3.65% | 3.66% |
| ORCLOracle Corp - Common | 7.79% | 0.31% | 7.48% |
| AVGOBroadcom Inc | 4.78% | 2.56% | 2.22% |
| CBRSCerebras Systems Inc - A | 6.35% | 0.01% | 6.34% |
| AMDAdvanced Micro Devices Inc | 2.92% | 1.08% | 1.84% |
| WECWec Energy Group Inc. | 3.84% | 0.05% | 3.79% |
| BECfd Bloom Energy Corp- A | 3.41% | 0.08% | 3.33% |
| CORZCore Scientific Inc Common Stock | 3.38% | 0.01% | 3.37% |
71.8% of OAIW 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, OAIW or VTI?
OAIW has an expense ratio of 0.59% while VTI charges 0.03%. VTI is the cheaper option, by $56 a year on a $10,000 investment.
What is the holdings overlap between OAIW and VTI?
71.8% of OAIW's money is in holdings VTI also owns. 20.4% of VTI's is in holdings OAIW also owns. They hold 18 positions in common, counted across the 25 positions we hold weights for in OAIW and 3,463 in VTI.
Which pays a higher dividend, OAIW or VTI?
OAIW yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than OAIW?
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 63.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.