USMD vs VTI
CoreValues America First Technology ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, USMD or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 46.1%.
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 | USMD | VTI |
|---|---|---|
| Expense Ratio | 0.87% | 0.03%Best |
| AUM | $304,629.33 | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 121 | 3,543 |
| YTD Return | +25.80%Best | +12.30% |
| 1Y Return | - | +16.08% |
| 3Y Return (annualized) | - | +21.01% |
| 5Y Return (annualized) | - | +12.36% |
| Top 10 Weight | 46.1% | 33.3%Best |
| Fund Family | CORE VALUES ALPHA | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Feb 6, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
USMD 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
USMD vs VTI Performance
CoreValues America First Technology ETF (USMD) is an ETF from CORE VALUES ALPHA and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, USMD is up 25.80% versus a gain of 12.30% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
USMD charges 0.87% per year while VTI charges 0.03%. On a $10,000 position that is $87 vs $3 annually, a gap of $84 per year that compounds over a long holding period. On income, USMD currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
95.8% of USMD's money is in holdings VTI also owns. 31.0% of VTI's money is in holdings USMD also owns.
Most of USMD is already inside VTI. Owning both mostly buys the same companies twice.
109 positions in common, counted across the 120 positions we hold weights for in USMD and 3,463 in VTI, against full books of 121 and 3,543.
What only one of them owns
Our book lists 1,061 positions for VTI that do not appear in our book for USMD (66.4% of the fund), and 7 for USMD that do not appear in VTI (3.9%).
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 USMD | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 4.54% | 6.40% | 1.86% |
| MSFTMicrosoft Corp | 5.22% | 4.79% | 0.43% |
| AMZNAmazon.Com Inc | 4.84% | 3.65% | 1.19% |
| GOOGLAlphabet Inc,class A | 4.80% | 2.90% | 1.90% |
| TSLATesla Inc | 5.79% | 1.22% | 4.57% |
| AVGOBroadcom Inc | 4.05% | 2.56% | 1.49% |
| PLTRPalantir Technologies Inc | 5.93% | 0.37% | 5.56% |
| AMDAdvanced Micro Devices Inc | 4.39% | 1.08% | 3.31% |
| INTCIntel Corporation | 3.57% | 0.50% | 3.07% |
| MUMicron Technology, Inc. | 2.77% | 1.29% | 1.48% |
95.8% of USMD 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, USMD or VTI?
USMD has an expense ratio of 0.87% while VTI charges 0.03%. VTI is the cheaper option, by $84 a year on a $10,000 investment.
What is the holdings overlap between USMD and VTI?
95.8% of USMD's money is in holdings VTI also owns. 31.0% of VTI's is in holdings USMD also owns. They hold 109 positions in common, counted across the 120 positions we hold weights for in USMD and 3,463 in VTI.
Which pays a higher dividend, USMD or VTI?
USMD yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than USMD?
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 46.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.