VTI vs WIP
Vanguard Morningstar Total Stock Market ETF vs State Street SPDR FTSE International Government Inflation-Protected Bond ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | WIP | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.50% | |
| AUM | $666.9B | $474M | |
| Dividend Yield | 1.07% | 5.98% | |
| Holdings | 3,543 | 199 | |
| YTD Return | +12.65% | +4.98% | |
| 1Y Return | +21.39% | +9.89% | |
| 3Y Return (annualized) | +21.54% | +5.43% | |
| 5Y Return (annualized) | +12.11% | -0.20% | |
| Volatility (annualized) | 15.3% | 11.1% | |
| Max Drawdown | -56.6% | -34.4% | |
| Fund Family | Vanguard (US) | SPDR State Street Global Advisors | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Mar 13, 2008 |
VTI vs WIP Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and State Street SPDR FTSE International Government Inflation-Protected Bond ETF (WIP) is a ETF from SPDR State Street Global Advisors. Over the past year VTI returned +21.39% while WIP returned +9.89%. Year to date, VTI is up 12.65% versus a gain of 4.98% for WIP.
Over three years, VTI compounded at +21.54% per year against +5.43% for WIP; over five years the annualized figures are +12.11% and -0.20% respectively. Across the full 18-year window we track, VTI has the edge at +8.07% annualized vs -0.46%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.1% for WIP. 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 -34.4% for WIP. 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while WIP charges 0.50%. On a $10,000 position that is $3 vs $50 annually, a gap of $47 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 5.98% for WIP.
Holdings Overlap
VTI and WIP share 0 holdings out of 2793 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or WIP?
VTI has an expense ratio of 0.03% while WIP charges 0.50%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, VTI or WIP?
Over the past year VTI returned +21.39% vs +9.89% for WIP, so VTI leads on 1-year performance. Over the longest common window we track (18 years), VTI annualized +8.07% vs -0.46% for WIP. Past performance does not guarantee future results.
Which is riskier, VTI or WIP?
VTI has been the more volatile fund at 15.3% annualized versus 11.1% for WIP. Worst drawdown: VTI -56.6% vs WIP -34.4%.
Should I hold both VTI and WIP?
VTI and WIP have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and WIP?
VTI and WIP share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2793 unique securities.
Which pays a higher dividend, VTI or WIP?
VTI yields 1.07% while WIP yields 5.98%, so WIP currently pays the higher dividend yield.
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