VTI vs VWOB
Vanguard Morningstar Total Stock Market ETF vs Vanguard Emerging Markets Government Bond 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 | VTI | VWOB | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.15% | |
| AUM | $666.9B | $6.7B | |
| Dividend Yield | 1.07% | 5.93% | |
| Holdings | 3,543 | 929 | |
| YTD Return | +12.65% | +1.07% | |
| 1Y Return | +21.39% | +5.57% | |
| 3Y Return (annualized) | +21.54% | +9.53% | |
| 5Y Return (annualized) | +12.11% | +1.83% | |
| Volatility (annualized) | 15.3% | 8.6% | |
| Max Drawdown | -56.6% | -28.0% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | May 31, 2013 |
VTI vs VWOB Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Vanguard Emerging Markets Government Bond ETF (VWOB) is a ETF from Vanguard (US). Over the past year VTI returned +21.39% while VWOB returned +5.57%. Year to date, VTI is up 12.65% versus a gain of 1.07% for VWOB.
Over three years, VTI compounded at +21.54% per year against +9.53% for VWOB; over five years the annualized figures are +12.11% and +1.83% respectively. Across the full 13-year window we track, VTI has the edge at +8.07% annualized vs +0.79%. 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 8.6% for VWOB. 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 -28.0% for VWOB. 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while VWOB charges 0.15%. On a $10,000 position that is $3 vs $15 annually, a gap of $12 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 5.93% for VWOB.
Holdings Overlap
VTI and VWOB share 0 holdings out of 2813 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 VWOB?
VTI has an expense ratio of 0.03% while VWOB charges 0.15%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, VTI or VWOB?
Over the past year VTI returned +21.39% vs +5.57% for VWOB, so VTI leads on 1-year performance. Over the longest common window we track (13 years), VTI annualized +8.07% vs +0.79% for VWOB. Past performance does not guarantee future results.
Which is riskier, VTI or VWOB?
VTI has been the more volatile fund at 15.3% annualized versus 8.6% for VWOB. Worst drawdown: VTI -56.6% vs VWOB -28.0%.
Should I hold both VTI and VWOB?
VTI and VWOB have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and VWOB?
VTI and VWOB share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2813 unique securities.
Which pays a higher dividend, VTI or VWOB?
VTI yields 1.07% while VWOB yields 5.93%, so VWOB currently pays the higher dividend yield.
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