VTI vs WIP
Vanguard Morningstar Total Stock Market ETF vs State Street SPDR FTSE International Government Inflation-Protected Bond ETF
Which is better, VTI or WIP?
Large Cap Blend against Long Term Low Quality.
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 | WIP |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.50% |
| AUM | $690.1B | $457M |
| Dividend Yield | 1.03% | 6.06% |
| Holdings | 3,524 | 195 |
| YTD Return | +13.35%Best | +1.48% |
| 1Y Return | +15.92%Best | +3.48% |
| 3Y Return (annualized) | +23.41%Best | +6.54% |
| 5Y Return (annualized) | +12.83%Best | -0.50% |
| Volatility (annualized) | 16.1% | 11.1%Best |
| Max Drawdown | -52.6% | -34.4%Best |
| $10,000 over 5 years | $18,286Best | $9,752 |
| Fund Family | Vanguard (US) | SPDR State Street Global Advisors |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Long Term Low Quality |
| Inception | May 24, 2001 | Mar 13, 2008 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Mar 19, 2008 to Oct 2, 2026 (18.5 years).
VTI vs WIP 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
VTI vs WIP Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and State Street SPDR FTSE International Government Inflation-Protected Bond ETF (WIP) is an ETF from SPDR State Street Global Advisors. Over the past year VTI returned +15.92% while WIP returned +3.48%. Year to date, VTI is up 13.35% versus a gain of 1.48% for WIP.
Over three years, VTI compounded at +23.41% per year against +6.54% for WIP; over five years the annualized figures are +12.83% and -0.50% respectively. Across the full 19-year window we track, VTI has the edge at +10.50% annualized vs -0.64%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.1% 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 -52.6% for VTI and -34.4% for WIP. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.64. They move together some of the time, and apart the rest.
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 1.03% against 6.06% for WIP.
Holdings Overlap
We hold position weights for 3,463 holdings in VTI and 7 in WIP, totalling 98.1% and 3.9% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 3,463 positions we hold weights for in VTI and 7 in WIP, against full books of 3,524 and 195.
You are not choosing between two funds in isolation.
Whichever of VTI and WIP 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 WIP?
VTI has an expense ratio of 0.03% while WIP charges 0.50%. VTI is the cheaper option, by $47 a year on a $10,000 investment.
Which performed better, VTI or WIP?
Over the past year VTI returned +15.92% vs +3.48% for WIP, so VTI leads on 1-year performance. Over the longest common window we track (19 years), VTI annualized +10.50% vs -0.64% for WIP. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or WIP?
VTI has been the more volatile fund at 16.1% annualized versus 11.1% for WIP. Worst drawdown: VTI -52.6% vs WIP -34.4%.
Should I hold both VTI and WIP?
VTI and WIP have a monthly-return correlation of 0.64, 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 WIP?
VTI yields 1.03% while WIP yields 6.06%, so WIP currently pays the higher dividend yield.
Is WIP 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.