VTI vs WBIL
Vanguard Morningstar Total Stock Market ETF vs WBI BullBear Quality 3000 ETF
Quick Verdict
VTI has a lower expense ratio. WBIL delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | WBIL | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.55% | |
| AUM | $666.9B | $31M | |
| Dividend Yield | 1.07% | 0.04% | |
| Holdings | 3,543 | 63 | |
| YTD Return | +14.82% | +19.29% | |
| 1Y Return | +22.43% | +27.53% | |
| 3Y Return (annualized) | +21.93% | +12.26% | |
| 5Y Return (annualized) | +12.34% | +6.33% | |
| Volatility (annualized) | 15.4% | 12.0% | |
| Max Drawdown | -56.6% | -25.3% | |
| Fund Family | Vanguard (US) | WBI Investments | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Aug 25, 2014 |
VTI vs WBIL Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and WBI BullBear Quality 3000 ETF (WBIL) is a ETF from WBI Investments. Over the past year VTI returned +22.43% while WBIL returned +27.53%. Year to date, VTI is up 14.82% versus a gain of 19.29% for WBIL.
Over three years, VTI compounded at +21.93% per year against +12.26% for WBIL; over five years the annualized figures are +12.34% and +6.33% respectively. Across the full 12-year window we track, VTI has the edge at +8.16% annualized vs +4.98%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 12.0% for WBIL. 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 -25.3% for WBIL. 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while WBIL charges 1.55%. On a $10,000 position that is $3 vs $155 annually, a gap of $152 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.04% for WBIL.
Holdings Overlap
VTI and WBIL share 60 holdings out of 2789 unique holdings combined, representing a 13.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or WBIL?
VTI has an expense ratio of 0.03% while WBIL charges 1.55%. VTI is the cheaper option. On a $10,000 investment, that is $152 per year of difference.
Which performed better, VTI or WBIL?
Over the past year VTI returned +22.43% vs +27.53% for WBIL, so WBIL leads on 1-year performance. Over the longest common window we track (12 years), VTI annualized +8.16% vs +4.98% for WBIL. Past performance does not guarantee future results.
Which is riskier, VTI or WBIL?
VTI has been the more volatile fund at 15.4% annualized versus 12.0% for WBIL. Worst drawdown: VTI -56.6% vs WBIL -25.3%.
Should I hold both VTI and WBIL?
VTI and WBIL have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and WBIL?
VTI and WBIL share 60 common holdings with a 13.2% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, VTI or WBIL?
VTI yields 1.07% while WBIL yields 0.04%, so VTI currently pays the higher dividend yield.
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