VTI vs WBIF
Vanguard Morningstar Total Stock Market ETF vs WBI BullBear Value 3000 ETF
Which is better, VTI or WBIF?
Large Cap Blend against Large Cap Value.
VTI has a lower expense ratio. VTI led over 3Y, 5Y and the full window, WBIF over 1Y. WBIF is less concentrated, with 23.2% of the fund in its ten largest positions against 34.6%.
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 | WBIF |
|---|---|---|
| Expense Ratio | 0.03%Best | 1.65% |
| AUM | $689.2B | $23M |
| Dividend Yield | 1.06% | 0.00% |
| Holdings | 3,542 | 138 |
| YTD Return | +12.23% | +15.44%Best |
| 1Y Return | +12.74% | +14.64%Best |
| 3Y Return (annualized) | +21.44%Best | +11.51% |
| 5Y Return (annualized) | +10.83%Best | +3.64% |
| Volatility (annualized) | 15.2% | 12.2%Best |
| Max Drawdown | -35.0% | -20.3%Best |
| $10,000 over 5 years | $16,722Best | $11,957 |
| Top 10 Weight | 34.6% | 23.2%Best |
| Fund Family | Vanguard (US) | WBI Investments |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | May 24, 2001 | Aug 25, 2014 |
Volatility and max drawdown are measured over the window both funds cover: Aug 27, 2014 to Nov 11, 2026 (12.2 years).
VTI vs WBIF 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 12.2 years both funds cover.
VTI vs WBIF Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and WBI BullBear Value 3000 ETF (WBIF) is an ETF from WBI Investments. Over the past year VTI returned +12.74% while WBIF returned +14.64%. Year to date, VTI is up 12.23% versus a gain of 15.44% for WBIF.
Over three years, VTI compounded at +21.44% per year against +11.51% for WBIF; over five years the annualized figures are +10.83% and +3.64% respectively. Across the full 12-year window we track, VTI has the edge at +11.81% annualized vs +3.92%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.2% compared with 12.2% for WBIF. 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 -20.3% for WBIF. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while WBIF charges 1.65%. On a $10,000 position that is $3 vs $165 annually, a gap of $162 per year that compounds over a long holding period. On income, VTI currently yields 1.06% against 0.00% for WBIF.
Holdings Overlap
5.6% of VTI's money is in holdings WBIF also owns. 92.7% of WBIF's money is in holdings VTI also owns.
Most of WBIF is already inside VTI. Owning both mostly buys the same companies twice.
67 positions in common, counted across the 3,464 positions we hold weights for in VTI and 71 in WBIF, against full books of 3,542 and 138.
What only one of them owns
Our book lists 1 positions for WBIF that do not appear in our book for VTI (2.2% of the fund), and 1,065 for VTI that do not appear in WBIF (91.3%).
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 VTI | Weight in WBIF | Difference |
|---|---|---|---|
| PEGAPegasystems, Inc. | 0.00% | 2.65% | 2.65% |
| HPQHP Inc | 0.04% | 2.54% | 2.50% |
| XOMExxonmobil Holdings Corp Common Stock Usd | 0.92% | 1.60% | 0.68% |
| BALLBall Corp | 0.02% | 2.50% | 2.48% |
| ROSTRoss Stores, Inc. | 0.10% | 2.39% | 2.29% |
| TWTradeweb Markets Inc | 0.02% | 2.42% | 2.40% |
| COFCapital One Financial Corp. | 0.16% | 2.08% | 1.92% |
| MAMastercard Inc | 0.59% | 1.55% | 0.96% |
| IBKRInteractive Brokers Group Inc | 0.05% | 2.09% | 2.04% |
| CVXChevron Corp | 0.52% | 1.58% | 1.06% |
92.7% of WBIF 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, VTI or WBIF?
VTI has an expense ratio of 0.03% while WBIF charges 1.65%. VTI is the cheaper option, by $162 a year on a $10,000 investment.
Which performed better, VTI or WBIF?
Over the past year VTI returned +12.74% vs +14.64% for WBIF, so WBIF leads on 1-year performance. Over the longest common window we track (12 years), VTI annualized +11.81% vs +3.92% for WBIF. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or WBIF?
VTI has been the more volatile fund at 15.2% annualized versus 12.2% for WBIF. Worst drawdown: VTI -35.0% vs WBIF -20.3%.
Should I hold both VTI and WBIF?
VTI and WBIF have a monthly-return correlation of 0.72, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between VTI and WBIF?
92.7% of WBIF's money is in holdings VTI also owns. 92.7% of WBIF's is in holdings VTI also owns. They hold 67 positions in common, counted across the 3,464 positions we hold weights for in VTI and 71 in WBIF.
Which pays a higher dividend, VTI or WBIF?
VTI yields 1.06% while WBIF yields 0.00%, so VTI currently pays the higher dividend yield.
Is WBIF better than VTI?
VTI has a lower expense ratio. VTI led over 3Y, 5Y and the full window, WBIF over 1Y. WBIF is less concentrated, with 23.2% of the fund in its ten largest positions against 34.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.