VTI vs WTIP
Vanguard Total Stock Market ETF vs WisdomTree Inflation Plus Fund ETF
Quick Verdict
VTI has a lower expense ratio. WTIP delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | VTI | WTIP | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.65% | |
| AUM | $663.5B | $21M | |
| Dividend Yield | 1.07% | 3.85% | |
| Holdings | 3,543 | 35 | |
| YTD Return | +14.16% | +9.05% | |
| 1Y Return | +23.62% | +24.77% | |
| 3Y Return (annualized) | +21.43% | - | |
| 5Y Return (annualized) | +12.33% | - | |
| Volatility (annualized) | 15.3% | 12.8% | |
| Max Drawdown | -56.6% | -16.5% | |
| Fund Family | Vanguard (US) | WisdomTree Investments | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Jun 18, 2025 |
VTI vs WTIP Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and WisdomTree Inflation Plus Fund ETF (WTIP) is a ETF from WisdomTree Investments. Over the past year VTI returned +23.62% while WTIP returned +24.77%. Year to date, VTI is up 14.16% versus a gain of 9.05% for WTIP.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.8% for WTIP. 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 -16.5% for WTIP. 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 -0.05. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while WTIP charges 0.65%. On a $10,000 position that is $3 vs $65 annually, a gap of $62 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 3.85% for WTIP.
Holdings Overlap
VTI and WTIP share 0 holdings out of 2804 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 WTIP?
VTI has an expense ratio of 0.03% while WTIP charges 0.65%. VTI is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, VTI or WTIP?
Over the past year VTI returned +23.62% vs +24.77% for WTIP, so WTIP leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +8.14% vs +21.69% for WTIP. Past performance does not guarantee future results.
Which is riskier, VTI or WTIP?
VTI has been the more volatile fund at 15.3% annualized versus 12.8% for WTIP. Worst drawdown: VTI -56.6% vs WTIP -16.5%.
Should I hold both VTI and WTIP?
VTI and WTIP have a monthly-return correlation of -0.05, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and WTIP?
VTI and WTIP share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2804 unique securities.
Which pays a higher dividend, VTI or WTIP?
VTI yields 1.07% while WTIP yields 3.85%, so WTIP currently pays the higher dividend yield.
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