REZ vs VTI
iShares Residential and Multisector Real Estate ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, REZ or VTI?
Mid 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 73.0%.
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 | REZ | VTI |
|---|---|---|
| Expense Ratio | 0.48% | 0.03%Best |
| AUM | $798M | $690.1B |
| Dividend Yield | 2.01% | 1.03% |
| Holdings | 40 | 3,524 |
| YTD Return | +7.46% | +14.54%Best |
| 1Y Return | +9.59% | +16.83%Best |
| 3Y Return (annualized) | +12.34% | +22.56%Best |
| 5Y Return (annualized) | +2.83% | +12.76%Best |
| Volatility (annualized) | 20.8% | 16.0%Best |
| Max Drawdown | -70.3% | -56.6%Best |
| $10,000 over 5 years | $11,497 | $18,230Best |
| Top 10 Weight | 73.0% | 33.3%Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Value | Large Cap Blend |
| Inception | May 1, 2007 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: May 4, 2007 to Oct 9, 2026 (19.4 years).
REZ 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 19.4 years both funds cover.
REZ vs VTI Performance
iShares Residential and Multisector Real Estate ETF (REZ) is an ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year REZ returned +9.59% while VTI returned +16.83%. Year to date, REZ is up 7.46% versus a gain of 14.54% for VTI.
Over three years, REZ compounded at +12.34% per year against +22.56% for VTI; over five years the annualized figures are +2.83% and +12.76% respectively. Across the full 19-year window we track, VTI has the edge at +9.19% annualized vs +3.82%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
REZ has been the more volatile fund, with annualized monthly volatility of 20.8% compared with 16.0% 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 -70.3% for REZ and -56.6% 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 0.67. They move together some of the time, and apart the rest.
Fees and Cost Over Time
REZ charges 0.48% per year while VTI charges 0.03%. On a $10,000 position that is $48 vs $3 annually, a gap of $45 per year that compounds over a long holding period. On income, REZ currently yields 2.01% against 1.03% for VTI.
Holdings Overlap
99.8% of REZ's money is in holdings VTI also owns. 0.7% of VTI's money is in holdings REZ also owns.
Most of REZ is already inside VTI. Owning both mostly buys the same companies twice.
36 positions in common, counted across the 37 positions we hold weights for in REZ and 3,463 in VTI, against full books of 40 and 3,524.
What only one of them owns
Measured across the 37 and 3,463 positions we hold weights for.
VTI holds 1,128 positions REZ does not, 96.7% 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 REZ | Weight in VTI | Difference |
|---|---|---|---|
| WELLWelltower, Inc. | 25.29% | 0.23% | 25.06% |
| PSAPublic Storage | 9.29% | 0.08% | 9.21% |
| EQRVivmark Residential | 8.71% | 0.03% | 8.68% |
| VTRVentas Inc . | 8.13% | 0.06% | 8.07% |
| EXRExtra Space Storage Inc. | 5.38% | 0.04% | 5.34% |
| ESSEssex Property | 3.71% | 0.03% | 3.68% |
| INVHInvitation Homes Inc. Reit | 3.47% | 0.02% | 3.45% |
| MAAMid-america Apartment | 3.07% | 0.02% | 3.05% |
| DOCHealthpeak Properties Inc | 2.99% | 0.02% | 2.97% |
| OHIOmega Healthcare Investors Reit In | 2.98% | 0.02% | 2.96% |
99.8% of REZ 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, REZ or VTI?
REZ has an expense ratio of 0.48% while VTI charges 0.03%. VTI is the cheaper option, by $45 a year on a $10,000 investment.
Which performed better, REZ or VTI?
Over the past year REZ returned +9.59% vs +16.83% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (19 years), REZ annualized +3.82% vs +9.19% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, REZ or VTI?
REZ has been the more volatile fund at 20.8% annualized versus 16.0% for VTI. Worst drawdown: REZ -70.3% vs VTI -56.6%.
Should I hold both REZ and VTI?
REZ and VTI have a monthly-return correlation of 0.67, 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 REZ and VTI?
99.8% of REZ's money is in holdings VTI also owns. 0.7% of VTI's is in holdings REZ also owns. They hold 36 positions in common, counted across the 37 positions we hold weights for in REZ and 3,463 in VTI.
Which pays a higher dividend, REZ or VTI?
REZ yields 2.01% while VTI yields 1.03%, so REZ currently pays the higher dividend yield.
Is VTI better than REZ?
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 73.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.