VTI vs WWJD
Vanguard Morningstar Total Stock Market ETF vs Inspire International 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 | WWJD | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.66% | |
| AUM | $666.9B | $569M | |
| Dividend Yield | 1.07% | 2.49% | |
| Holdings | 3,543 | 218 | |
| YTD Return | +13.14% | +14.20% | |
| 1Y Return | +22.35% | +21.25% | |
| 3Y Return (annualized) | +21.83% | +18.54% | |
| 5Y Return (annualized) | +12.01% | +8.78% | |
| Volatility (annualized) | 15.3% | 18.8% | |
| Max Drawdown | -56.6% | -35.8% | |
| Fund Family | Vanguard (US) | Inspire ETFs | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Sep 30, 2019 |
VTI vs WWJD Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Inspire International ETF (WWJD) is a ETF from Inspire ETFs. Over the past year VTI returned +22.35% while WWJD returned +21.25%. Year to date, VTI is up 13.14% versus a gain of 14.20% for WWJD.
Over three years, VTI compounded at +21.83% per year against +18.54% for WWJD; over five years the annualized figures are +12.01% and +8.78% respectively. Across the full 7-year window we track, WWJD has the edge at +11.77% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
WWJD has been the more volatile fund, with annualized monthly volatility of 18.8% 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 -35.8% for WWJD. 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while WWJD charges 0.66%. On a $10,000 position that is $3 vs $66 annually, a gap of $63 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 2.49% for WWJD.
Holdings Overlap
VTI and WWJD share 1 holdings out of 2985 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in VTI | Weight in WWJD | Difference |
|---|---|---|---|
| GRMN | 0.05% | 0.56% | 0.51% |
Frequently Asked Questions
Which is cheaper, VTI or WWJD?
VTI has an expense ratio of 0.03% while WWJD charges 0.66%. VTI is the cheaper option. On a $10,000 investment, that is $63 per year of difference.
Which performed better, VTI or WWJD?
Over the past year VTI returned +22.35% vs +21.25% for WWJD, so VTI leads on 1-year performance. Over the longest common window we track (7 years), VTI annualized +8.09% vs +11.77% for WWJD. Past performance does not guarantee future results.
Which is riskier, VTI or WWJD?
WWJD has been the more volatile fund at 18.8% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs WWJD -35.8%.
Should I hold both VTI and WWJD?
VTI and WWJD have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and WWJD?
VTI and WWJD share 1 common holdings with a 0.1% weight overlap. Combined, they hold 2985 unique securities.
Which pays a higher dividend, VTI or WWJD?
VTI yields 1.07% while WWJD yields 2.49%, so WWJD currently pays the higher dividend yield.
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