VTI vs VVR
Vanguard Morningstar Total Stock Market ETF vs Invesco Senior Income Trust
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 | VTI | VVR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 5.26% | |
| AUM | $666.9B | $1,117.8 | |
| Dividend Yield | 1.07% | 12.77% | |
| Holdings | 3,543 | 525 | |
| YTD Return | +13.14% | -1.98% | |
| 1Y Return | +22.35% | -7.91% | |
| 3Y Return (annualized) | +21.83% | +3.33% | |
| 5Y Return (annualized) | +12.01% | +4.19% | |
| Volatility (annualized) | 15.3% | 14.9% | |
| Max Drawdown | -56.6% | -81.8% | |
| Fund Family | Vanguard (US) | Invesco (US) | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Jun 24, 1998 |
VTI vs VVR Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Invesco Senior Income Trust (VVR) is a ETF from Invesco (US). Over the past year VTI returned +22.35% while VVR returned -7.91%. Year to date, VTI is up 13.14% versus a loss of 1.98% for VVR.
Over three years, VTI compounded at +21.83% per year against +3.33% for VVR; over five years the annualized figures are +12.01% and +4.19% respectively. Across the full 25-year window we track, VTI has the edge at +8.09% annualized vs -2.14%. 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 14.9% for VVR. 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 -56.6% for VTI and -81.8% for VVR. 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while VVR charges 5.26%. On a $10,000 position that is $3 vs $526 annually, a gap of $523 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 12.77% for VVR.
Holdings Overlap
VTI and VVR share 6 holdings out of 2919 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, VTI or VVR?
VTI has an expense ratio of 0.03% while VVR charges 5.26%. VTI is the cheaper option. On a $10,000 investment, that is $523 per year of difference.
Which performed better, VTI or VVR?
Over the past year VTI returned +22.35% vs -7.91% for VVR, so VTI leads on 1-year performance. Over the longest common window we track (25 years), VTI annualized +8.09% vs -2.14% for VVR. Past performance does not guarantee future results.
Which is riskier, VTI or VVR?
VTI has been the more volatile fund at 15.3% annualized versus 14.9% for VVR. Worst drawdown: VTI -56.6% vs VVR -81.8%.
Should I hold both VTI and VVR?
VTI and VVR have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and VVR?
VTI and VVR share 6 common holdings with a 0.0% weight overlap. Combined, they hold 2919 unique securities.
Which pays a higher dividend, VTI or VVR?
VTI yields 1.07% while VVR yields 12.77%, so VVR currently pays the higher dividend yield.
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