VTI vs WIW
Vanguard Morningstar Total Stock Market ETF vs Western Asset Inflation-Linked Opportunities & Income Fund
Which is better, VTI or WIW?
Large Cap Blend against Inflation Protection.
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 | WIW |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.71% |
| AUM | $666.9B | $567M |
| Dividend Yield | 1.03% | 8.06% |
| Holdings | 3,543 | 161 |
| YTD Return | +12.30%Best | +0.53% |
| 1Y Return | +16.08%Best | -1.51% |
| 3Y Return (annualized) | +21.01%Best | +7.17% |
| 5Y Return (annualized) | +12.36%Best | -0.19% |
| Volatility (annualized) | 15.1% | 10.0%Best |
| Max Drawdown | -56.6% | -43.9%Best |
| $10,000 over 5 years | $17,908Best | $9,905 |
| Fund Family | Vanguard (US) | Franklin Templeton Investments (US) |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Inflation Protection |
| Inception | May 24, 2001 | Feb 27, 2004 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 25, 2004 to Sep 18, 2026 (22.6 years).
VTI vs WIW 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 WIW Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Western Asset Inflation-Linked Opportunities & Income Fund (WIW) is an ETF from Franklin Templeton Investments (US). Over the past year VTI returned +16.08% while WIW returned -1.51%. Year to date, VTI is up 12.30% versus a gain of 0.53% for WIW.
Over three years, VTI compounded at +21.01% per year against +7.17% for WIW; over five years the annualized figures are +12.36% and -0.19% respectively. Across the full 23-year window we track, VTI has the edge at +9.24% annualized vs -0.47%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 10.0% for WIW. 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 -43.9% for WIW. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.51. They move together some of the time, and apart the rest.
Fees and Cost Over Time
VTI charges 0.03% per year while WIW charges 0.71%. On a $10,000 position that is $3 vs $71 annually, a gap of $68 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 8.06% for WIW.
Holdings Overlap
We hold position weights for 3,463 holdings in VTI and 96 in WIW, totalling 98.1% and 120.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 154 days apart, VTI as of Jul 31, 2026 and WIW as of Feb 27, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 3,463 positions we hold weights for in VTI and 96 in WIW, against full books of 3,543 and 161.
You are not choosing between two funds in isolation.
Whichever of VTI and WIW 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 WIW?
VTI has an expense ratio of 0.03% while WIW charges 0.71%. VTI is the cheaper option, by $68 a year on a $10,000 investment.
Which performed better, VTI or WIW?
Over the past year VTI returned +16.08% vs -1.51% for WIW, so VTI leads on 1-year performance. Over the longest common window we track (23 years), VTI annualized +9.24% vs -0.47% for WIW. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or WIW?
VTI has been the more volatile fund at 15.1% annualized versus 10.0% for WIW. Worst drawdown: VTI -56.6% vs WIW -43.9%.
Should I hold both VTI and WIW?
VTI and WIW have a monthly-return correlation of 0.51, 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 WIW?
VTI yields 1.03% while WIW yields 8.06%, so WIW currently pays the higher dividend yield.
Is WIW 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.