TDIV vs VTI
First Trust NASDAQ Technology Dividend Index Fund vs Vanguard Morningstar Total Stock Market ETF
Which is better, TDIV or VTI?
Large Cap Value against Large Cap Blend.
VTI has a lower expense ratio. TDIV 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 50.3%.
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 | TDIV | VTI |
|---|---|---|
| Expense Ratio | 0.50% | 0.03%Best |
| AUM | $4.4B | $666.9B |
| Dividend Yield | 1.37% | 1.03% |
| Holdings | 192 | 3,543 |
| YTD Return | +18.46%Best | +12.28% |
| 1Y Return | +18.54%Best | +16.78% |
| 3Y Return (annualized) | +27.45%Best | +20.89% |
| 5Y Return (annualized) | +16.61%Best | +11.94% |
| Volatility (annualized) | 16.9% | 14.5%Best |
| Max Drawdown | -32.0%Best | -35.0% |
| $10,000 over 5 years | $21,562Best | $17,576 |
| Top 10 Weight | 50.3% | 33.3%Best |
| Fund Family | First Trust Portfolios (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Aug 13, 2012 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Aug 14, 2012 to Sep 17, 2026 (14.1 years).
TDIV 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 14.1 years both funds cover.
TDIV vs VTI Performance
First Trust NASDAQ Technology Dividend Index Fund (TDIV) is an ETF from First Trust Portfolios (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TDIV returned +18.54% while VTI returned +16.78%. Year to date, TDIV is up 18.46% versus a gain of 12.28% for VTI.
Over three years, TDIV compounded at +27.45% per year against +20.89% for VTI; over five years the annualized figures are +16.61% and +11.94% respectively. Across the full 14-year window we track, TDIV has the edge at +14.01% annualized vs +13.07%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TDIV has been the more volatile fund, with annualized monthly volatility of 16.9% compared with 14.5% 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 -32.0% for TDIV 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TDIV charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, TDIV currently yields 1.37% against 1.03% for VTI.
Holdings Overlap
78.7% of TDIV's money is in holdings VTI also owns. 12.6% of VTI's money is in holdings TDIV also owns.
Most of TDIV is already inside VTI. Owning both mostly buys the same companies twice.
56 positions in common, counted across the 93 positions we hold weights for in TDIV and 3,463 in VTI, against full books of 192 and 3,543.
What only one of them owns
Our book lists 1,106 positions for VTI that do not appear in our book for TDIV (84.9% of the fund), and 14 for TDIV that do not appear in VTI (4.2%).
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 TDIV | Weight in VTI | Difference |
|---|---|---|---|
| MSFTMicrosoft Corp | 9.66% | 4.79% | 4.87% |
| AVGOBroadcom Inc | 7.11% | 2.56% | 4.55% |
| IBMInternational Business Machines Corp. | 6.74% | 0.29% | 6.45% |
| TXNTexas Instrument Inc | 6.19% | 0.35% | 5.84% |
| ORCLOracle Corp - Common | 5.44% | 0.31% | 5.13% |
| QCOMQualcomm Inc. | 2.91% | 0.22% | 2.69% |
| CRMSalesforce Inc Crm Us Equity | 2.82% | 0.20% | 2.62% |
| ADIAnalog Devices, Inc. | 2.62% | 0.25% | 2.37% |
| AMATApplied Materials, Inc. | 2.25% | 0.56% | 1.69% |
| MSIMotorola Solutions, Inc | 2.58% | 0.10% | 2.48% |
78.7% of TDIV 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, TDIV or VTI?
TDIV has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option, by $47 a year on a $10,000 investment.
Which performed better, TDIV or VTI?
Over the past year TDIV returned +18.54% vs +16.78% for VTI, so TDIV leads on 1-year performance. Over the longest common window we track (14 years), TDIV annualized +14.01% vs +13.07% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TDIV or VTI?
TDIV has been the more volatile fund at 16.9% annualized versus 14.5% for VTI. Worst drawdown: TDIV -32.0% vs VTI -35.0%.
Should I hold both TDIV and VTI?
TDIV and VTI have a monthly-return correlation of 0.89, 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 TDIV and VTI?
78.7% of TDIV's money is in holdings VTI also owns. 12.6% of VTI's is in holdings TDIV also owns. They hold 56 positions in common, counted across the 93 positions we hold weights for in TDIV and 3,463 in VTI.
Which pays a higher dividend, TDIV or VTI?
TDIV yields 1.37% while VTI yields 1.03%, so TDIV currently pays the higher dividend yield.
Is VTI better than TDIV?
VTI has a lower expense ratio. TDIV 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 50.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.