ONLN vs VTI
ProShares Online Retail 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 | ONLN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.58% | 0.03% | |
| AUM | $65M | $666.9B | |
| Dividend Yield | 0.28% | 1.07% | |
| Holdings | 23 | 3,543 | |
| YTD Return | -0.35% | +12.65% | |
| 1Y Return | +4.39% | +21.39% | |
| 3Y Return (annualized) | +22.72% | +21.54% | |
| 5Y Return (annualized) | -2.12% | +12.11% | |
| Volatility (annualized) | 30.9% | 15.3% | |
| Max Drawdown | -71.8% | -56.6% | |
| Fund Family | ProShares | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 13, 2018 | May 24, 2001 |
ONLN vs VTI Performance
ProShares Online Retail ETF (ONLN) is a ETF from ProShares and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year ONLN returned +4.39% while VTI returned +21.39%. Year to date, ONLN is down 0.35% versus a gain of 12.65% for VTI.
Over three years, ONLN compounded at +22.72% per year against +21.54% for VTI; over five years the annualized figures are -2.12% and +12.11% respectively. Across the full 8-year window we track, VTI has the edge at +8.07% annualized vs +5.04%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ONLN has been the more volatile fund, with annualized monthly volatility of 30.9% 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 -71.8% for ONLN 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ONLN charges 0.58% per year while VTI charges 0.03%. On a $10,000 position that is $58 vs $3 annually, a gap of $55 per year that compounds over a long holding period. On income, ONLN currently yields 0.28% against 1.07% for VTI.
Holdings Overlap
ONLN and VTI share 13 holdings out of 2796 unique holdings combined, representing a 3.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, ONLN or VTI?
ONLN has an expense ratio of 0.58% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $55 per year of difference.
Which performed better, ONLN or VTI?
Over the past year ONLN returned +4.39% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), ONLN annualized +5.04% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, ONLN or VTI?
ONLN has been the more volatile fund at 30.9% annualized versus 15.3% for VTI. Worst drawdown: ONLN -71.8% vs VTI -56.6%.
Should I hold both ONLN and VTI?
ONLN and VTI have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ONLN and VTI?
ONLN and VTI share 13 common holdings with a 3.4% weight overlap. Combined, they hold 2796 unique securities.
Which pays a higher dividend, ONLN or VTI?
ONLN yields 0.28% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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