UDIV vs VTI
Franklin US Core Dividend Tilt Index ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. UDIV delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | UDIV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.03% | |
| AUM | $150M | $666.9B | |
| Dividend Yield | 1.49% | 1.07% | |
| Holdings | 286 | 3,543 | |
| YTD Return | +16.02% | +12.65% | |
| 1Y Return | +24.84% | +21.39% | |
| 3Y Return (annualized) | +24.00% | +21.54% | |
| 5Y Return (annualized) | +14.04% | +12.11% | |
| Volatility (annualized) | 14.4% | 15.3% | |
| Max Drawdown | -35.5% | -56.6% | |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 1, 2016 | May 24, 2001 |
UDIV vs VTI Performance
Franklin US Core Dividend Tilt Index ETF (UDIV) is a ETF from Franklin Templeton Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UDIV returned +24.84% while VTI returned +21.39%. Year to date, UDIV is up 16.02% versus a gain of 12.65% for VTI.
Over three years, UDIV compounded at +24.00% per year against +21.54% for VTI; over five years the annualized figures are +14.04% and +12.11% respectively. Across the full 10-year window we track, UDIV has the edge at +10.19% annualized vs +8.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 14.4% for UDIV. 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 -35.5% for UDIV 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
UDIV charges 0.06% per year while VTI charges 0.03%. On a $10,000 position that is $6 vs $3 annually, a gap of $3 per year that compounds over a long holding period. On income, UDIV currently yields 1.49% against 1.07% for VTI.
Holdings Overlap
UDIV and VTI share 266 holdings out of 2802 unique holdings combined, representing a 70.2% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, UDIV or VTI?
UDIV has an expense ratio of 0.06% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, UDIV or VTI?
Over the past year UDIV returned +24.84% vs +21.39% for VTI, so UDIV leads on 1-year performance. Over the longest common window we track (10 years), UDIV annualized +10.19% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, UDIV or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.4% for UDIV. Worst drawdown: UDIV -35.5% vs VTI -56.6%.
Should I hold both UDIV and VTI?
UDIV and VTI have a monthly-return correlation of 0.92, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between UDIV and VTI?
UDIV and VTI share 266 common holdings with a 70.2% weight overlap. Combined, they hold 2802 unique securities.
Which pays a higher dividend, UDIV or VTI?
UDIV yields 1.49% while VTI yields 1.07%, so UDIV currently pays the higher dividend yield.
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