UMI vs VTI
USCF Midstream Energy Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, UMI or VTI?
All Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. UMI 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 62.7%.
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 | UMI | VTI |
|---|---|---|
| Expense Ratio | 0.69% | 0.03%Best |
| AUM | $528M | $666.9B |
| Dividend Yield | 5.83% | 1.03% |
| Holdings | 25 | 3,543 |
| YTD Return | +24.04%Best | +12.28% |
| 1Y Return | +25.88%Best | +16.78% |
| 3Y Return (annualized) | +25.15%Best | +20.89% |
| 5Y Return (annualized) | +22.15%Best | +11.94% |
| Volatility (annualized) | 17.5% | 15.5%Best |
| Max Drawdown | -20.1%Best | -25.4% |
| $10,000 over 5 years | $27,194Best | $17,576 |
| Top 10 Weight | 62.7% | 33.3%Best |
| Fund Family | USCF Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | All Cap Blend | Large Cap Blend |
| Inception | Mar 24, 2021 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Mar 24, 2021 to Sep 17, 2026 (5.5 years).
UMI 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 5.5 years both funds cover.
UMI vs VTI Performance
USCF Midstream Energy Income ETF (UMI) is an ETF from USCF Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year UMI returned +25.88% while VTI returned +16.78%. Year to date, UMI is up 24.04% versus a gain of 12.28% for VTI.
Over three years, UMI compounded at +25.15% per year against +20.89% for VTI; over five years the annualized figures are +22.15% and +11.94% respectively. Across the full 6-year window we track, UMI has the edge at +23.42% annualized vs +13.50%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UMI has been the more volatile fund, with annualized monthly volatility of 17.5% compared with 15.5% 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 -20.1% for UMI and -25.4% 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 0.51. They move together some of the time, and apart the rest.
Fees and Cost Over Time
UMI charges 0.69% per year while VTI charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, UMI currently yields 5.83% against 1.03% for VTI.
Holdings Overlap
39.5% of UMI's money is in holdings VTI also owns. 0.5% of VTI's money is in holdings UMI also owns.
The two portfolios partly overlap.
8 positions in common, counted across the 24 positions we hold weights for in UMI and 3,463 in VTI, against full books of 25 and 3,543.
What only one of them owns
Our book lists 1,143 positions for VTI that do not appear in our book for UMI (97.0% of the fund), and 10 for UMI that do not appear in VTI (39.9%).
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 UMI | Weight in VTI | Difference |
|---|---|---|---|
| TRGPTarga Resources Corp Preferred | 7.17% | 0.08% | 7.09% |
| WMBWilliams Cos. Inc. | 7.09% | 0.12% | 6.97% |
| KMIKinder Morgan Inc./de | 5.93% | 0.08% | 5.85% |
| DTMDT Midstream Inc | 5.25% | 0.02% | 5.23% |
| OKEOneok Inc. | 5.05% | 0.08% | 4.97% |
| LNGCheniere Energy Inc. | 4.28% | 0.08% | 4.20% |
| AMAntero Midstream Corporationam | 3.24% | 0.01% | 3.23% |
| KNTKAltus Midstream Company | 1.46% | 0.00% | 1.46% |
39.5% of UMI 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, UMI or VTI?
UMI has an expense ratio of 0.69% while VTI charges 0.03%. VTI is the cheaper option, by $66 a year on a $10,000 investment.
Which performed better, UMI or VTI?
Over the past year UMI returned +25.88% vs +16.78% for VTI, so UMI leads on 1-year performance. Over the longest common window we track (6 years), UMI annualized +23.42% vs +13.50% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, UMI or VTI?
UMI has been the more volatile fund at 17.5% annualized versus 15.5% for VTI. Worst drawdown: UMI -20.1% vs VTI -25.4%.
Should I hold both UMI and VTI?
UMI and VTI have a monthly-return correlation of 0.51, 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 UMI and VTI?
39.5% of UMI's money is in holdings VTI also owns. 0.5% of VTI's is in holdings UMI also owns. They hold 8 positions in common, counted across the 24 positions we hold weights for in UMI and 3,463 in VTI.
Which pays a higher dividend, UMI or VTI?
UMI yields 5.83% while VTI yields 1.03%, so UMI currently pays the higher dividend yield.
Is VTI better than UMI?
VTI has a lower expense ratio. UMI 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 62.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.