VTI vs WINC
Vanguard Morningstar Total Stock Market ETF vs Western Asset Short Duration Income ETF
Which is better, VTI or WINC?
Large Cap Blend against Short Term Bond.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window.
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 | WINC |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.29% |
| AUM | $689.2B | $12M |
| Dividend Yield | 1.06% | 4.42% |
| Holdings | 3,542 | 128 |
| YTD Return | +11.23%Best | +0.44% |
| 1Y Return | +12.01%Best | +0.44% |
| 3Y Return (annualized) | +21.03%Best | +5.58% |
| 5Y Return (annualized) | +10.44%Best | +2.26% |
| Volatility (annualized) | 16.7% | 6.8%Best |
| Max Drawdown | -35.0% | -17.4%Best |
| $10,000 over 5 years | $16,430Best | $11,182 |
| Fund Family | Vanguard (US) | Franklin Templeton Investments (US) |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Short Term Bond |
| Inception | May 24, 2001 | Feb 7, 2019 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 8, 2019 to Nov 9, 2026 (7.8 years).
VTI vs WINC 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 7.8 years both funds cover.
VTI vs WINC Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Western Asset Short Duration Income ETF (WINC) is an ETF from Franklin Templeton Investments (US). Over the past year VTI returned +12.01% while WINC returned +0.44%. Year to date, VTI is up 11.23% versus a gain of 0.44% for WINC.
Over three years, VTI compounded at +21.03% per year against +5.58% for WINC; over five years the annualized figures are +10.44% and +2.26% respectively. Across the full 8-year window we track, VTI has the edge at +14.67% annualized vs +3.25%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 6.8% for WINC. 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 -17.4% for WINC. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.65. They move together some of the time, and apart the rest.
Fees and Cost Over Time
VTI charges 0.03% per year while WINC charges 0.29%. On a $10,000 position that is $3 vs $29 annually, a gap of $26 per year that compounds over a long holding period. On income, VTI currently yields 1.06% against 4.42% for WINC.
You are not choosing between two funds in isolation.
Whichever of VTI and WINC 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 WINC?
VTI has an expense ratio of 0.03% while WINC charges 0.29%. VTI is the cheaper option, by $26 a year on a $10,000 investment.
Which performed better, VTI or WINC?
Over the past year VTI returned +12.01% vs +0.44% for WINC, so VTI leads on 1-year performance. Over the longest common window we track (8 years), VTI annualized +14.67% vs +3.25% for WINC. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or WINC?
VTI has been the more volatile fund at 16.7% annualized versus 6.8% for WINC. Worst drawdown: VTI -35.0% vs WINC -17.4%.
Should I hold both VTI and WINC?
VTI and WINC have a monthly-return correlation of 0.65, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, VTI or WINC?
VTI yields 1.06% while WINC yields 4.42%, so WINC currently pays the higher dividend yield.
Is WINC better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.