USIN vs VTI
WisdomTree 7-10 Year Laddered Treasury Fund ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | USIN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $4M | $666.9B | |
| Dividend Yield | 4.10% | 1.07% | |
| Holdings | 13 | 3,543 | |
| YTD Return | -1.00% | +12.65% | |
| 1Y Return | +1.17% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 5.6% | 15.3% | |
| Max Drawdown | -6.2% | -56.6% | |
| Fund Family | WisdomTree Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 14, 2024 | May 24, 2001 |
USIN vs VTI Performance
WisdomTree 7-10 Year Laddered Treasury Fund ETF (USIN) is a ETF from WisdomTree Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year USIN returned +1.17% while VTI returned +21.39%. Year to date, USIN is down 1.00% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 5.6% for USIN. 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 -6.2% for USIN 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
USIN charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, USIN currently yields 4.10% against 1.07% for VTI.
Holdings Overlap
USIN and VTI share 0 holdings out of 2788 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, USIN or VTI?
USIN has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, USIN or VTI?
Over the past year USIN returned +1.17% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), USIN annualized +3.71% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, USIN or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.6% for USIN. Worst drawdown: USIN -6.2% vs VTI -56.6%.
Should I hold both USIN and VTI?
USIN and VTI have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between USIN and VTI?
USIN and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, USIN or VTI?
USIN yields 4.10% while VTI yields 1.07%, so USIN currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.