TDIV vs VTI
First Trust NASDAQ Technology Dividend Index Fund vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. TDIV delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | TDIV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $4.1B | $663.5B | |
| Dividend Yield | 1.14% | 1.07% | |
| Holdings | 96 | 3,543 | |
| YTD Return | +21.41% | +14.22% | |
| 1Y Return | +28.51% | +22.19% | |
| 3Y Return (annualized) | +28.26% | +21.27% | |
| 5Y Return (annualized) | +17.14% | +12.23% | |
| Volatility (annualized) | 17.0% | 15.3% | |
| Max Drawdown | -32.0% | -56.6% | |
| Fund Family | First Trust Portfolios (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 13, 2012 | May 24, 2001 |
TDIV vs VTI Performance
First Trust NASDAQ Technology Dividend Index Fund (TDIV) 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 TDIV returned +28.51% while VTI returned +22.19%. Year to date, TDIV is up 21.41% versus a gain of 14.22% for VTI.
Over three years, TDIV compounded at +28.26% per year against +21.27% for VTI; over five years the annualized figures are +17.14% and +12.23% respectively. Across the full 14-year window we track, TDIV has the edge at +14.31% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TDIV has been the more volatile fund, with annualized monthly volatility of 17.0% compared with 15.3% 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 -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 0.89. 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 1.14% against 1.07% for VTI.
Holdings Overlap
TDIV and VTI share 50 holdings out of 2827 unique holdings combined, representing a 12.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $47 per year of difference.
Which performed better, TDIV or VTI?
Over the past year TDIV returned +28.51% vs +22.19% for VTI, so TDIV leads on 1-year performance. Over the longest common window we track (14 years), TDIV annualized +14.31% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, TDIV or VTI?
TDIV has been the more volatile fund at 17.0% annualized versus 15.3% for VTI. Worst drawdown: TDIV -32.0% vs VTI -56.6%.
Should I hold both TDIV and VTI?
TDIV and VTI have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TDIV and VTI?
TDIV and VTI share 50 common holdings with a 12.1% weight overlap. Combined, they hold 2827 unique securities.
Which pays a higher dividend, TDIV or VTI?
TDIV yields 1.14% while VTI yields 1.07%, so TDIV currently pays the higher dividend yield.
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