VTI vs WINN
Vanguard Morningstar Total Stock Market ETF vs Harbor Long-Term Growers ETF
Which is better, VTI or WINN?
Large Cap Blend against Large Cap Growth.
VTI has a lower expense ratio. VTI led over 1Y, WINN over 3Y and the full window. The two have moved almost in lockstep, correlation 0.91. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 57.1%.
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 | WINN |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.57% |
| AUM | $666.9B | $1.2B |
| Dividend Yield | 1.03% | 0.00% |
| Holdings | 3,543 | 75 |
| YTD Return | +11.53%Best | +6.71% |
| 1Y Return | +15.74%Best | +6.50% |
| 3Y Return (annualized) | +20.67% | +21.30%Best |
| 5Y Return (annualized) | +11.59% | - |
| Volatility (annualized) | 15.9%Best | 21.0% |
| Max Drawdown | -22.4%Best | -32.1% |
| $10,000 over 4.6 years | $17,660 | $17,869Best |
| Top 10 Weight | 33.3%Best | 57.1% |
| Fund Family | Vanguard (US) | Harbor Funds |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Growth |
| Inception | May 24, 2001 | Feb 2, 2022 |
Volatility and max drawdown, and the $10,000 over 4.6 years row, are measured over the window both funds cover: Feb 3, 2022 to Sep 15, 2026 (4.6 years).
VTI vs WINN 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 4.6 years both funds cover.
VTI vs WINN Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Harbor Long-Term Growers ETF (WINN) is an ETF from Harbor Funds. Over the past year VTI returned +15.74% while WINN returned +6.50%. Year to date, VTI is up 11.53% versus a gain of 6.71% for WINN.
Over three years, VTI compounded at +20.67% per year against +21.30% for WINN.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
WINN has been the more volatile fund, with annualized monthly volatility of 21.0% compared with 15.9% 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 -22.4% for VTI and -32.1% for WINN. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
VTI charges 0.03% per year while WINN charges 0.57%. On a $10,000 position that is $3 vs $57 annually, a gap of $54 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 0.00% for WINN.
Holdings Overlap
47.5% of VTI's money is in holdings WINN also owns. 95.6% of WINN's money is in holdings VTI also owns.
Most of WINN is already inside VTI. Owning both mostly buys the same companies twice.
66 positions in common, counted across the 3,463 positions we hold weights for in VTI and 73 in WINN, against full books of 3,543 and 75.
What only one of them owns
Our book lists 4 positions for WINN that do not appear in our book for VTI (2.4% of the fund), and 1,085 for VTI that do not appear in WINN (50.0%).
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 WINN | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.40% | 11.38% | 4.98% |
| AAPLApple, Inc | 6.29% | 7.62% | 1.33% |
| MSFTMicrosoft Corp | 4.79% | 6.27% | 1.48% |
| GOOGLAlphabet Inc,class A | 2.90% | 8.15% | 5.25% |
| AMZNAmazon.Com Inc | 3.65% | 5.09% | 1.44% |
| AVGOBroadcom Inc | 2.56% | 5.86% | 3.30% |
| LLYEli Lilly & Co. | 1.35% | 3.82% | 2.47% |
| METAMeta Platforms Inc | 1.70% | 3.22% | 1.52% |
| AMDAdvanced Micro Devices Inc | 1.08% | 2.75% | 1.67% |
| TSLATesla Inc | 1.22% | 2.38% | 1.16% |
95.6% of WINN 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 WINN?
VTI has an expense ratio of 0.03% while WINN charges 0.57%. VTI is the cheaper option, by $54 a year on a $10,000 investment.
Which performed better, VTI or WINN?
Over the past year VTI returned +15.74% vs +6.50% for WINN, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or WINN?
WINN has been the more volatile fund at 21.0% annualized versus 15.9% for VTI. Worst drawdown: VTI -22.4% vs WINN -32.1%.
Should I hold both VTI and WINN?
VTI and WINN have a monthly-return correlation of 0.91, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between VTI and WINN?
95.6% of WINN's money is in holdings VTI also owns. 95.6% of WINN's is in holdings VTI also owns. They hold 66 positions in common, counted across the 3,463 positions we hold weights for in VTI and 73 in WINN.
Which pays a higher dividend, VTI or WINN?
VTI yields 1.03% while WINN yields 0.00%, so VTI currently pays the higher dividend yield.
Is WINN better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, WINN over 3Y and the full window. The two have moved almost in lockstep, correlation 0.91. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 57.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.