VTI vs WNTR
Vanguard Morningstar Total Stock Market ETF vs YieldMax Short MSTR Option Income Strategy 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 | WNTR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.00% | |
| AUM | $666.9B | $82M | |
| Dividend Yield | 1.07% | 106.61% | |
| Holdings | 3,543 | 21 | |
| YTD Return | +13.14% | -41.94% | |
| 1Y Return | +22.35% | -0.46% | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 59.0% | |
| Max Drawdown | -56.6% | -53.1% | |
| Fund Family | Vanguard (US) | YieldMax ETF | |
| Category | Equity | Alternative | |
| Inception | May 24, 2001 | Mar 26, 2025 |
VTI vs WNTR Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and YieldMax Short MSTR Option Income Strategy ETF (WNTR) is a ETF from YieldMax ETF. Over the past year VTI returned +22.35% while WNTR returned -0.46%. Year to date, VTI is up 13.14% versus a loss of 41.94% for WNTR.
Risk: Volatility and Drawdowns
WNTR has been the more volatile fund, with annualized monthly volatility of 59.0% compared with 15.3% 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 -56.6% for VTI and -53.1% for WNTR. 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 -0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while WNTR charges 1.00%. On a $10,000 position that is $3 vs $100 annually, a gap of $97 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 106.61% for WNTR.
Holdings Overlap
VTI and WNTR share 0 holdings out of 2790 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 WNTR?
VTI has an expense ratio of 0.03% while WNTR charges 1.00%. VTI is the cheaper option. On a $10,000 investment, that is $97 per year of difference.
Which performed better, VTI or WNTR?
Over the past year VTI returned +22.35% vs -0.46% for WNTR, so VTI leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +8.09% vs -8.78% for WNTR. Past performance does not guarantee future results.
Which is riskier, VTI or WNTR?
WNTR has been the more volatile fund at 59.0% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs WNTR -53.1%.
Should I hold both VTI and WNTR?
VTI and WNTR have a monthly-return correlation of -0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and WNTR?
VTI and WNTR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, VTI or WNTR?
VTI yields 1.07% while WNTR yields 106.61%, so WNTR currently pays the higher dividend yield.
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