TDI vs VTI
Touchstone Dynamic International ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. TDI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | TDI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $435M | $666.9B | |
| Dividend Yield | 1.64% | 1.07% | |
| Holdings | 120 | 3,543 | |
| YTD Return | +20.81% | +13.14% | |
| 1Y Return | +35.24% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 12.7% | 15.3% | |
| Max Drawdown | -15.0% | -56.6% | |
| Fund Family | Touchstone Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 8, 2023 | May 24, 2001 |
TDI vs VTI Performance
Touchstone Dynamic International ETF (TDI) is a ETF from Touchstone Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TDI returned +35.24% while VTI returned +22.35%. Year to date, TDI is up 20.81% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.7% for TDI. 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 -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 0.59. They move independently enough that combining them can meaningfully diversify a portfolio.
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 1.64% against 1.07% for VTI.
Holdings Overlap
TDI and VTI share 1 holdings out of 2894 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in TDI | Weight in VTI | Difference |
|---|---|---|---|
| FBK | 0.56% | 0.00% | 0.56% |
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. On a $10,000 investment, that is $62 per year of difference.
Which performed better, TDI or VTI?
Over the past year TDI returned +35.24% vs +22.35% for VTI, so TDI leads on 1-year performance. Over the longest common window we track (3 years), TDI annualized +27.95% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, TDI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.7% for TDI. Worst drawdown: TDI -15.0% vs VTI -56.6%.
Should I hold both TDI and VTI?
TDI and VTI have a monthly-return correlation of 0.59, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TDI and VTI?
TDI and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2894 unique securities.
Which pays a higher dividend, TDI or VTI?
TDI yields 1.64% while VTI yields 1.07%, so TDI currently pays the higher dividend yield.
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