TDI vs VTI
Touchstone Dynamic International ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TDI or VTI?
TDI has been ahead.
VTI has a lower expense ratio. TDI 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 | TDI | VTI |
|---|---|---|
| Expense Ratio | 0.65% | 0.03%Best |
| AUM | $451M | $666.9B |
| Dividend Yield | 1.59% | 1.03% |
| Holdings | 124 | 3,543 |
| YTD Return | +18.98%Best | +11.65% |
| 1Y Return | +29.21%Best | +17.34% |
| 3Y Return (annualized) | - | +20.35% |
| 5Y Return (annualized) | - | +11.72% |
| Volatility (annualized) | 12.5% | 12.1%Best |
| Max Drawdown | -15.0%Best | -19.3% |
| $10,000 over 2.7 years | $18,913Best | $16,679 |
| Fund Family | Touchstone Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Dec 8, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.7 years row, are measured over the window both funds cover: Dec 11, 2023 to Sep 10, 2026 (2.7 years).
TDI 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 2.7 years both funds cover.
TDI vs VTI Performance
Touchstone Dynamic International ETF (TDI) is an ETF from Touchstone Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TDI returned +29.21% while VTI returned +17.34%. Year to date, TDI is up 18.98% versus a gain of 11.65% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TDI has been the more volatile fund, with annualized monthly volatility of 12.5% compared with 12.1% 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 -15.0% for TDI and -19.3% 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 0.60. They move together some of the time, and apart the rest.
Fees and Cost Over Time
TDI charges 0.65% per year while VTI charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, TDI currently yields 1.59% against 1.03% for VTI.
Holdings Overlap
At least 0.5% of TDI's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
The two holdings books were reported 64 days apart, TDI as of Sep 2, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 109 positions we hold weights for in TDI and 2,787 in VTI, against full books of 124 and 3,543.
Top Shared Holdings
| Stock | Weight in TDI | Weight in VTI | Difference |
|---|---|---|---|
| FBK:MIFinecobank S.P.A. | 0.54% | 0.00% | 0.54% |
You are not choosing between two funds in isolation.
Whichever of TDI 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, TDI or VTI?
TDI has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option, by $62 a year on a $10,000 investment.
Which performed better, TDI or VTI?
Over the past year TDI returned +29.21% vs +17.34% for VTI, so TDI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TDI or VTI?
TDI has been the more volatile fund at 12.5% annualized versus 12.1% for VTI. Worst drawdown: TDI -15.0% vs VTI -19.3%.
Should I hold both TDI and VTI?
TDI and VTI have a monthly-return correlation of 0.60, 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, TDI or VTI?
TDI yields 1.59% while VTI yields 1.03%, so TDI currently pays the higher dividend yield.
Is VTI better than TDI?
VTI has a lower expense ratio. TDI 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.