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.
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 | $290M |
| Dividend Yield | 1.07% | 4.09% |
| Holdings | 3,543 | 121 |
| YTD Return | +13.59% | +15.31%Best |
| 1Y Return | +20.00% | +23.21%Best |
| 3Y Return (annualized) | +20.95%Best | +19.34% |
| 5Y Return (annualized) | +11.81%Best | +9.56% |
| Volatility (annualized) | 14.8% | 14.7%Best |
| Max Drawdown | -35.0%Best | -44.5% |
| $10,000 over 5 years | $17,474Best | $15,786 |
| 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 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: May 30, 2013 to Sep 4, 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 +20.00% while WDIV returned +23.21%. Year to date, VTI is up 13.59% versus a gain of 15.31% for WDIV.
Over three years, VTI compounded at +20.95% per year against +19.34% for WDIV; over five years the annualized figures are +11.81% and +9.56% respectively. Across the full 13-year window we track, VTI has the edge at +12.55% annualized vs +4.59%.
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 1.07% against 4.09% for WDIV.
Holdings Overlap
At least 19.1% of WDIV's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 92.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
WDIV and VTI share little of their money.
16 positions in common, counted across the 2,787 positions we hold weights for in VTI and 94 in WDIV, against full books of 3,543 and 121.
Top Shared Holdings
| Stock | Weight in VTI | Weight in WDIV | Difference |
|---|---|---|---|
| VZVerizon Communic | 0.22% | 1.46% | 1.24% |
| MOAltria Group Inc | 0.17% | 1.48% | 1.31% |
| HIWHighwoods Properties Inc | 0.00% | 1.62% | 1.62% |
| PFEPfizer Inc | 0.19% | 1.28% | 1.09% |
| NWBINorthwest Bancshares Inc Common Stock Usd 0.01 | 0.00% | 1.44% | 1.44% |
| EIXEdison Intl | 0.04% | 1.19% | 1.15% |
| OKEOneok Inc. | 0.08% | 1.15% | 1.07% |
| PEBOPeoples Bancorp Inc/oh Common Stock | 0.00% | 1.22% | 1.22% |
| ENREnergizer Holdings Inc | 0.00% | 1.22% | 1.22% |
| HASIHa Sustainable Infrastructure Capital Inc | 0.00% | 1.14% | 1.14% |
You are not choosing between two funds in isolation.
Whichever of VTI and WDIV 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 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 +20.00% vs +23.21% for WDIV, so WDIV leads on 1-year performance. Over the longest common window we track (13 years), VTI annualized +12.55% vs +4.59% 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?
At least 19.1% of WDIV's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 16 positions in common, counted across the 2,787 positions we hold weights for in VTI and 94 in WDIV.
Which pays a higher dividend, VTI or WDIV?
VTI yields 1.07% while WDIV yields 4.09%, 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. Which one suits a particular account depends on what it is for. This is information, not a recommendation.