SMI vs VTI
HIP Sustainable Muni ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SMI or VTI?
Municipal Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
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 | SMI | VTI |
|---|---|---|
| Expense Ratio | 0.24% | 0.03%Best |
| AUM | $11M | $666.9B |
| Dividend Yield | 2.83% | 1.03% |
| Holdings | 37 | 3,543 |
| Volatility (annualized) | 6.6%Best | 17.0% |
| Max Drawdown | -14.2%Best | -25.4% |
| $10,000 over 3.8 years | $8,855 | $13,544Best |
| Fund Family | VanEck | Vanguard (US) |
| Category | Tax Preferred | Equity |
| Style | Municipal Bond | Large Cap Blend |
| Inception | Sep 8, 2021 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 450 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. SMI has data through Jun 18, 2025 and VTI through Sep 11, 2026.
Volatility and max drawdown, and the $10,000 over 3.8 years row, are measured over the window both funds cover: Sep 10, 2021 to Jun 18, 2025 (3.8 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 17.0% compared with 6.6% for SMI. 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 -14.2% for SMI and -25.4% 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 0.68. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SMI charges 0.24% per year while VTI charges 0.03%. On a $10,000 position that is $24 vs $3 annually, a gap of $21 per year that compounds over a long holding period. On income, SMI currently yields 2.83% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of SMI and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SMI or VTI?
SMI has an expense ratio of 0.24% while VTI charges 0.03%. VTI is the cheaper option, by $21 a year on a $10,000 investment.
Which is riskier, SMI or VTI?
VTI has been the more volatile fund at 17.0% annualized versus 6.6% for SMI. Worst drawdown: SMI -14.2% vs VTI -25.4%.
Should I hold both SMI and VTI?
SMI and VTI have a monthly-return correlation of 0.68, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SMI or VTI?
SMI yields 2.83% while VTI yields 1.03%, so SMI currently pays the higher dividend yield.
Is VTI better than SMI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.