VTI vs WDIV
Vanguard Morningstar Total Stock Market ETF vs State Street SPDR S&P Global Dividend ETF
Which is better, VTI or WDIV?
Each has led over a different period.
VTI has a lower expense ratio. VTI led over 3Y, 5Y and the full window, WDIV over 1Y. WDIV is less concentrated, with 17.5% of the fund in its ten largest positions against 33.3%.
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 | WDIV |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.40% |
| AUM | $666.9B | $289M |
| Dividend Yield | 1.03% | 4.01% |
| Holdings | 3,543 | 121 |
| YTD Return | +12.43%Best | +10.97% |
| 1Y Return | +15.92% | +17.75%Best |
| 3Y Return (annualized) | +22.42%Best | +19.30% |
| 5Y Return (annualized) | +12.37%Best | +9.14% |
| Volatility (annualized) | 14.8% | 14.7%Best |
| Max Drawdown | -35.0%Best | -44.5% |
| $10,000 over 5 years | $17,916Best | $15,485 |
| Top 10 Weight | 33.3% | 17.5%Best |
| Fund Family | Vanguard (US) | SPDR State Street Global Advisors |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | May 24, 2001 | May 29, 2013 |
Volatility and max drawdown are measured over the window both funds cover: May 30, 2013 to Sep 28, 2026 (13.3 years).
VTI vs WDIV 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 13.3 years both funds cover.
VTI vs WDIV Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and State Street SPDR S&P Global Dividend ETF (WDIV) is an ETF from SPDR State Street Global Advisors. Over the past year VTI returned +15.92% while WDIV returned +17.75%. Year to date, VTI is up 12.43% versus a gain of 10.97% for WDIV.
Over three years, VTI compounded at +22.42% per year against +19.30% for WDIV; over five years the annualized figures are +12.37% and +9.14% respectively. Across the full 13-year window we track, VTI has the edge at +12.40% annualized vs +4.27%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 14.8% compared with 14.7% for WDIV. 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 -44.5% for WDIV. 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 WDIV charges 0.40%. On a $10,000 position that is $3 vs $40 annually, a gap of $37 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 4.01% for WDIV.
Holdings Overlap
0.8% of VTI's money is in holdings WDIV also owns. 22.6% of WDIV's money is in holdings VTI also owns.
WDIV and VTI share little of their money.
20 positions in common, counted across the 3,463 positions we hold weights for in VTI and 95 in WDIV, against full books of 3,543 and 121.
What only one of them owns
Our book lists 3 positions for WDIV that do not appear in our book for VTI (2.8% of the fund), and 1,139 for VTI that do not appear in WDIV (96.6%).
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 WDIV | Difference |
|---|---|---|---|
| VZVerizon Communic | 0.24% | 1.56% | 1.32% |
| MOAltria Group Inc | 0.16% | 1.49% | 1.33% |
| HIWHighwoods Properties Inc | 0.01% | 1.59% | 1.58% |
| PFEPfizer Inc | 0.20% | 1.37% | 1.17% |
| NWBINorthwest Bancshares Inc Common Stock Usd 0.01 | 0.00% | 1.43% | 1.43% |
| GTYGetty Realty Corp | 0.00% | 1.41% | 1.41% |
| OKEOneok Inc. | 0.08% | 1.28% | 1.20% |
| LTCLtc Properties Inc | 0.00% | 1.28% | 1.28% |
| PEBOPeoples Bancorp Inc/oh Common Stock | 0.00% | 1.18% | 1.18% |
| ENREnergizer Holdings Inc | 0.00% | 1.18% | 1.18% |
22.6% of WDIV 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 WDIV?
VTI has an expense ratio of 0.03% while WDIV charges 0.40%. VTI is the cheaper option, by $37 a year on a $10,000 investment.
Which performed better, VTI or WDIV?
Over the past year VTI returned +15.92% vs +17.75% for WDIV, so WDIV leads on 1-year performance. Over the longest common window we track (13 years), VTI annualized +12.40% vs +4.27% for WDIV. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or WDIV?
VTI has been the more volatile fund at 14.8% annualized versus 14.7% for WDIV. Worst drawdown: VTI -35.0% vs WDIV -44.5%.
Should I hold both VTI and WDIV?
VTI and WDIV 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.
What is the holdings overlap between VTI and WDIV?
22.6% of WDIV's money is in holdings VTI also owns. 22.6% of WDIV's is in holdings VTI also owns. They hold 20 positions in common, counted across the 3,463 positions we hold weights for in VTI and 95 in WDIV.
Which pays a higher dividend, VTI or WDIV?
VTI yields 1.03% while WDIV yields 4.01%, so WDIV currently pays the higher dividend yield.
Is WDIV better than VTI?
VTI has a lower expense ratio. VTI led over 3Y, 5Y and the full window, WDIV over 1Y. WDIV is less concentrated, with 17.5% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.