VTI vs WBIY
Vanguard Morningstar Total Stock Market ETF vs WBI Power Factor High Dividend ETF
Quick Verdict
VTI has a lower expense ratio. WBIY delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | WBIY | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.97% | |
| AUM | $666.9B | $64M | |
| Dividend Yield | 1.07% | 4.06% | |
| Holdings | 3,543 | 51 | |
| YTD Return | +13.14% | +22.95% | |
| 1Y Return | +22.35% | +31.82% | |
| 3Y Return (annualized) | +21.83% | +19.41% | |
| 5Y Return (annualized) | +12.01% | +12.38% | |
| Volatility (annualized) | 15.3% | 21.7% | |
| Max Drawdown | -56.6% | -52.1% | |
| Fund Family | Vanguard (US) | WBI Investments | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Dec 19, 2016 |
VTI vs WBIY Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and WBI Power Factor High Dividend ETF (WBIY) is a ETF from WBI Investments. Over the past year VTI returned +22.35% while WBIY returned +31.82%. Year to date, VTI is up 13.14% versus a gain of 22.95% for WBIY.
Over three years, VTI compounded at +21.83% per year against +19.41% for WBIY; over five years the annualized figures are +12.01% and +12.38% respectively. Across the full 10-year window we track, VTI has the edge at +8.09% annualized vs +7.46%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
WBIY has been the more volatile fund, with annualized monthly volatility of 21.7% compared with 15.3% for VTI. 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 -52.1% for WBIY. 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while WBIY charges 0.97%. On a $10,000 position that is $3 vs $97 annually, a gap of $94 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 4.06% for WBIY.
Holdings Overlap
VTI and WBIY share 38 holdings out of 2799 unique holdings combined, representing a 1.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or WBIY?
VTI has an expense ratio of 0.03% while WBIY charges 0.97%. VTI is the cheaper option. On a $10,000 investment, that is $94 per year of difference.
Which performed better, VTI or WBIY?
Over the past year VTI returned +22.35% vs +31.82% for WBIY, so WBIY leads on 1-year performance. Over the longest common window we track (10 years), VTI annualized +8.09% vs +7.46% for WBIY. Past performance does not guarantee future results.
Which is riskier, VTI or WBIY?
WBIY has been the more volatile fund at 21.7% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs WBIY -52.1%.
Should I hold both VTI and WBIY?
VTI and WBIY have a monthly-return correlation of 0.81, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and WBIY?
VTI and WBIY share 38 common holdings with a 1.8% weight overlap. Combined, they hold 2799 unique securities.
Which pays a higher dividend, VTI or WBIY?
VTI yields 1.07% while WBIY yields 4.06%, so WBIY currently pays the higher dividend yield.
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