VTI vs WTMY
Vanguard Morningstar Total Stock Market ETF vs WisdomTree High Income Laddered Municipal Fund 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 | WTMY | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.35% | |
| AUM | $666.9B | $5M | |
| Dividend Yield | 1.07% | 3.56% | |
| Holdings | 3,543 | 83 | |
| YTD Return | +12.65% | +0.55% | |
| 1Y Return | +21.39% | +4.76% | |
| 3Y Return (annualized) | +21.54% | - | |
| 5Y Return (annualized) | +12.11% | - | |
| Volatility (annualized) | 15.3% | 4.0% | |
| Max Drawdown | -56.6% | -3.7% | |
| Fund Family | Vanguard (US) | WisdomTree Investments | |
| Category | Equity | Tax Preferred | |
| Inception | May 24, 2001 | Apr 3, 2025 |
VTI vs WTMY Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and WisdomTree High Income Laddered Municipal Fund ETF (WTMY) is a ETF from WisdomTree Investments. Over the past year VTI returned +21.39% while WTMY returned +4.76%. Year to date, VTI is up 12.65% versus a gain of 0.55% for WTMY.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.0% 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 -56.6% for VTI and -3.7% for WTMY. 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
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 1.07% against 3.56% for WTMY.
Holdings Overlap
VTI and WTMY share 0 holdings out of 2788 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 WTMY?
VTI has an expense ratio of 0.03% while WTMY charges 0.35%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, VTI or WTMY?
Over the past year VTI returned +21.39% vs +4.76% for WTMY, so VTI leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +8.07% vs +3.66% for WTMY. Past performance does not guarantee future results.
Which is riskier, VTI or WTMY?
VTI has been the more volatile fund at 15.3% annualized versus 4.0% for WTMY. Worst drawdown: VTI -56.6% vs WTMY -3.7%.
Should I hold both VTI and WTMY?
VTI and WTMY have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and WTMY?
VTI and WTMY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, VTI or WTMY?
VTI yields 1.07% while WTMY yields 3.56%, so WTMY currently pays the higher dividend yield.
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