VTI vs WFH
Vanguard Morningstar Total Stock Market ETF vs Direxion Work From Home ETF
Quick Verdict
VTI has a lower expense ratio. WFH delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | WFH | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.45% | |
| AUM | $666.9B | $13M | |
| Dividend Yield | 1.07% | 1.05% | |
| Holdings | 3,543 | 41 | |
| YTD Return | +12.65% | +15.01% | |
| 1Y Return | +21.39% | +24.89% | |
| 3Y Return (annualized) | +21.54% | +20.91% | |
| 5Y Return (annualized) | +12.11% | +5.89% | |
| Volatility (annualized) | 15.3% | 21.9% | |
| Max Drawdown | -56.6% | -51.2% | |
| Fund Family | Vanguard (US) | Direxion Funds | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Jun 25, 2020 |
VTI vs WFH Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Direxion Work From Home ETF (WFH) is a ETF from Direxion Funds. Over the past year VTI returned +21.39% while WFH returned +24.89%. Year to date, VTI is up 12.65% versus a gain of 15.01% for WFH.
Over three years, VTI compounded at +21.54% per year against +20.91% for WFH; over five years the annualized figures are +12.11% and +5.89% respectively. Across the full 5-year window we track, VTI has the edge at +8.07% annualized vs +8.01%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
WFH has been the more volatile fund, with annualized monthly volatility of 21.9% 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 -51.2% for WFH. 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while WFH charges 0.45%. On a $10,000 position that is $3 vs $45 annually, a gap of $42 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 1.05% for WFH.
Frequently Asked Questions
Which is cheaper, VTI or WFH?
VTI has an expense ratio of 0.03% while WFH charges 0.45%. VTI is the cheaper option. On a $10,000 investment, that is $42 per year of difference.
Which performed better, VTI or WFH?
Over the past year VTI returned +21.39% vs +24.89% for WFH, so WFH leads on 1-year performance. Over the longest common window we track (5 years), VTI annualized +8.07% vs +8.01% for WFH. Past performance does not guarantee future results.
Which is riskier, VTI or WFH?
WFH has been the more volatile fund at 21.9% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs WFH -51.2%.
Should I hold both VTI and WFH?
VTI and WFH have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, VTI or WFH?
VTI yields 1.07% while WFH yields 1.05%, so VTI currently pays the higher dividend yield.
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