SMCP vs VTI
SMART Mid Cap ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SMCP or VTI?
Mid Cap Blend 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 58.5%.
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 | SMCP | VTI |
|---|---|---|
| Expense Ratio | 0.79% | 0.03%Best |
| AUM | $10M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 33 | 3,543 |
| YTD Return | +10.62% | +12.28%Best |
| 1Y Return | +10.62% | +16.78%Best |
| 3Y Return (annualized) | +2.84% | +20.89%Best |
| 5Y Return (annualized) | -1.95% | +11.94%Best |
| Volatility (annualized) | 21.0% | 15.5%Best |
| Max Drawdown | -43.8% | -35.0%Best |
| $10,000 over 5 years | $9,062 | $17,576Best |
| Top 10 Weight | 58.5% | 33.3%Best |
| Fund Family | SMART Wealth, LLC | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Blend | Large Cap Blend |
| Inception | May 11, 2026 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Apr 21, 2015 to Sep 17, 2026 (11.4 years).
SMCP 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 11.4 years both funds cover.
SMCP vs VTI Performance
SMART Mid Cap ETF (SMCP) is an ETF from SMART Wealth, LLC and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SMCP returned +10.62% while VTI returned +16.78%. Year to date, SMCP is up 10.62% versus a gain of 12.28% for VTI.
Over three years, SMCP compounded at +2.84% per year against +20.89% for VTI; over five years the annualized figures are -1.95% and +11.94% respectively. Across the full 11-year window we track, VTI has the edge at +12.20% annualized vs +1.10%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SMCP has been the more volatile fund, with annualized monthly volatility of 21.0% compared with 15.5% 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 -43.8% for SMCP 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SMCP charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, SMCP currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
39.5% of SMCP's money is in holdings VTI also owns. 0.1% of VTI's money is in holdings SMCP also owns.
The two portfolios partly overlap.
15 positions in common, counted across the 32 positions we hold weights for in SMCP and 3,463 in VTI, against full books of 33 and 3,543.
What only one of them owns
Our book lists 1,140 positions for VTI that do not appear in our book for SMCP (97.3% of the fund), and 9 for SMCP that do not appear in VTI (30.8%).
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 SMCP | Weight in VTI | Difference |
|---|---|---|---|
| HCCWarrior Met Coal Inc | 7.95% | 0.01% | 7.94% |
| BUSEFirst Busey Corporation | 4.76% | 0.00% | 4.76% |
| EBCEastern Bankshares Inc | 4.72% | 0.01% | 4.71% |
| CUBICustomers Bancorp Inc | 4.29% | 0.00% | 4.29% |
| INSWInternational Seaways, Inc. | 3.41% | 0.01% | 3.40% |
| DARDarling Ingredients, Inc. | 2.38% | 0.01% | 2.37% |
| BKVBkv Corp | 1.84% | 0.00% | 1.84% |
| CMCCommercial Metals Co | 1.79% | 0.01% | 1.78% |
| CGNXCognex Corp - Common | 1.65% | 0.02% | 1.63% |
| SEISolaris Oilfield Infrastructure In | 1.39% | 0.00% | 1.39% |
39.5% of SMCP 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, SMCP or VTI?
SMCP has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option, by $76 a year on a $10,000 investment.
Which performed better, SMCP or VTI?
Over the past year SMCP returned +10.62% vs +16.78% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (11 years), SMCP annualized +1.10% vs +12.20% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SMCP or VTI?
SMCP has been the more volatile fund at 21.0% annualized versus 15.5% for VTI. Worst drawdown: SMCP -43.8% vs VTI -35.0%.
Should I hold both SMCP and VTI?
SMCP and VTI have a monthly-return correlation of 0.76, 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 SMCP and VTI?
39.5% of SMCP's money is in holdings VTI also owns. 0.1% of VTI's is in holdings SMCP also owns. They hold 15 positions in common, counted across the 32 positions we hold weights for in SMCP and 3,463 in VTI.
Which pays a higher dividend, SMCP or VTI?
SMCP yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than SMCP?
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 58.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.