TDEC vs VTI
FT Vest Emerging Markets Buffer ETF - December vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | TDEC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.95% | 0.03% | |
| AUM | $14M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +9.34% | +14.96% | |
| 1Y Return | +17.60% | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 8.0% | 15.4% | |
| Max Drawdown | -10.3% | -56.6% | |
| Fund Family | First Trust Portfolios (US) | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Dec 20, 2024 | May 24, 2001 |
TDEC vs VTI Performance
FT Vest Emerging Markets Buffer ETF - December (TDEC) is a ETF from First Trust Portfolios (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TDEC returned +17.60% while VTI returned +22.39%. Year to date, TDEC is up 9.34% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 8.0% for TDEC. 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 -10.3% for TDEC 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TDEC charges 0.95% per year while VTI charges 0.03%. On a $10,000 position that is $95 vs $3 annually, a gap of $92 per year that compounds over a long holding period. On income, TDEC currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
TDEC and VTI share 0 holdings out of 2784 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TDEC or VTI?
TDEC has an expense ratio of 0.95% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $92 per year of difference.
Which performed better, TDEC or VTI?
Over the past year TDEC returned +17.60% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), TDEC annualized +19.46% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, TDEC or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 8.0% for TDEC. Worst drawdown: TDEC -10.3% vs VTI -56.6%.
Should I hold both TDEC and VTI?
TDEC and VTI have a monthly-return correlation of 0.73, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TDEC and VTI?
TDEC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, TDEC or VTI?
TDEC yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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