VTI vs VYMI
Vanguard Morningstar Total Stock Market ETF vs Vanguard International High Dividend Yield ETF
Which is better, VTI or VYMI?
Large Cap Blend against Large Cap Value.
VTI has a lower expense ratio. VTI led over the full window, VYMI over 1Y, 3Y and 5Y.
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 | VTI | VYMI |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.07% |
| AUM | $666.9B | $21.9B |
| Dividend Yield | 1.03% | 3.43% |
| Holdings | 3,543 | 1,576 |
| YTD Return | +11.65% | +17.55%Best |
| 1Y Return | +17.34% | +28.20%Best |
| 3Y Return (annualized) | +20.35% | +23.46%Best |
| 5Y Return (annualized) | +11.72% | +14.15%Best |
| Volatility (annualized) | 15.5% | 14.8%Best |
| Max Drawdown | -35.0%Best | -45.2% |
| $10,000 over 5 years | $17,404 | $19,381Best |
| Fund Family | Vanguard (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | May 24, 2001 | Feb 25, 2016 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Mar 2, 2016 to Sep 10, 2026 (10.5 years).
VTI vs VYMI 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 10.5 years both funds cover.
VTI vs VYMI Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Vanguard International High Dividend Yield ETF (VYMI) is an ETF from Vanguard (US). Over the past year VTI returned +17.34% while VYMI returned +28.20%. Year to date, VTI is up 11.65% versus a gain of 17.55% for VYMI.
Over three years, VTI compounded at +20.35% per year against +23.46% for VYMI; over five years the annualized figures are +11.72% and +14.15% respectively. Across the full 11-year window we track, VTI has the edge at +14.03% annualized vs +9.53%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.5% compared with 14.8% for VYMI. 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 -35.0% for VTI and -45.2% for VYMI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while VYMI charges 0.07%. On a $10,000 position that is $3 vs $7 annually, a gap of $4 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 3.43% for VYMI.
Holdings Overlap
At least 0.3% of VYMI's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
3 positions in common, counted across the 2,787 positions we hold weights for in VTI and 1,508 in VYMI, against full books of 3,543 and 1,576.
You are not choosing between two funds in isolation.
Whichever of VTI and VYMI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or VYMI?
VTI has an expense ratio of 0.03% while VYMI charges 0.07%. VTI is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, VTI or VYMI?
Over the past year VTI returned +17.34% vs +28.20% for VYMI, so VYMI leads on 1-year performance. Over the longest common window we track (11 years), VTI annualized +14.03% vs +9.53% for VYMI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or VYMI?
VTI has been the more volatile fund at 15.5% annualized versus 14.8% for VYMI. Worst drawdown: VTI -35.0% vs VYMI -45.2%.
Should I hold both VTI and VYMI?
VTI and VYMI have a monthly-return correlation of 0.76, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, VTI or VYMI?
VTI yields 1.03% while VYMI yields 3.43%, so VYMI currently pays the higher dividend yield.
Is VYMI better than VTI?
VTI has a lower expense ratio. VTI led over the full window, VYMI over 1Y, 3Y and 5Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.