VTI vs WTMY
Vanguard Morningstar Total Stock Market ETF vs WisdomTree High Income Laddered Municipal Fund ETF
Which is better, VTI or WTMY?
Large Cap Blend against Municipal Bond.
VTI has a lower expense ratio. VTI led over 1Y 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 | WTMY |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.35% |
| AUM | $666.9B | $5M |
| Dividend Yield | 1.03% | 3.77% |
| Holdings | 3,543 | 70 |
| YTD Return | +13.60%Best | -3.38% |
| 1Y Return | +18.17%Best | -2.31% |
| 3Y Return (annualized) | +23.04% | - |
| 5Y Return (annualized) | +12.14% | - |
| Volatility (annualized) | 11.9% | 5.2%Best |
| Max Drawdown | -8.9% | -5.4%Best |
| $10,000 over 1.5 years | $14,681Best | $10,099 |
| Fund Family | Vanguard (US) | WisdomTree Investments |
| Category | Equity | Tax Preferred |
| Style | Large Cap Blend | Municipal Bond |
| Inception | May 24, 2001 | Apr 3, 2025 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Apr 3, 2025 to Sep 25, 2026 (1.5 years).
VTI vs WTMY 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 covers the 1.5 years both funds cover.
VTI vs WTMY Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and WisdomTree High Income Laddered Municipal Fund ETF (WTMY) is an ETF from WisdomTree Investments. Over the past year VTI returned +18.17% while WTMY returned -2.31%. Year to date, VTI is up 13.60% versus a loss of 3.38% for WTMY.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 11.9% compared with 5.2% for WTMY. 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 -8.9% for VTI and -5.4% for WTMY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.47. They move together some of the time, and apart the rest.
Fees and Cost Over Time
VTI charges 0.03% per year while WTMY charges 0.35%. On a $10,000 position that is $3 vs $35 annually, a gap of $32 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 3.77% for WTMY.
You are not choosing between two funds in isolation.
Whichever of VTI and WTMY 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 WTMY?
VTI has an expense ratio of 0.03% while WTMY charges 0.35%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, VTI or WTMY?
Over the past year VTI returned +18.17% vs -2.31% for WTMY, so VTI leads on 1-year performance. Over the longest common window we track (2 years), VTI annualized +29.17% vs +0.66% for WTMY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or WTMY?
VTI has been the more volatile fund at 11.9% annualized versus 5.2% for WTMY. Worst drawdown: VTI -8.9% vs WTMY -5.4%.
Should I hold both VTI and WTMY?
VTI and WTMY have a monthly-return correlation of 0.47, 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 WTMY?
VTI yields 1.03% while WTMY yields 3.77%, so WTMY currently pays the higher dividend yield.
Is WTMY better than VTI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.