VTI vs WWJD
Vanguard Morningstar Total Stock Market ETF vs Inspire International ETF
Which is better, VTI or WWJD?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. WWJD is less concentrated, with 6.5% of the fund in its ten largest positions against 33.3%.
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 | WWJD |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.61% |
| AUM | $690.1B | $558M |
| Dividend Yield | 1.03% | 2.41% |
| Holdings | 3,524 | 202 |
| YTD Return | +14.14%Best | +7.29% |
| 1Y Return | +16.22%Best | +10.83% |
| 3Y Return (annualized) | +22.93%Best | +17.17% |
| 5Y Return (annualized) | +12.76%Best | +7.68% |
| Volatility (annualized) | 17.1%Best | 18.7% |
| Max Drawdown | -35.0%Best | -35.8% |
| $10,000 over 5 years | $18,230Best | $14,477 |
| Top 10 Weight | 33.3% | 6.5%Best |
| Fund Family | Vanguard (US) | Inspire ETFs |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | May 24, 2001 | Sep 30, 2019 |
Volatility and max drawdown are measured over the window both funds cover: Oct 1, 2019 to Oct 5, 2026 (7 years).
VTI vs WWJD 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 7 years both funds cover.
VTI vs WWJD Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Inspire International ETF (WWJD) is an ETF from Inspire ETFs. Over the past year VTI returned +16.22% while WWJD returned +10.83%. Year to date, VTI is up 14.14% versus a gain of 7.29% for WWJD.
Over three years, VTI compounded at +22.93% per year against +17.17% for WWJD; over five years the annualized figures are +12.76% and +7.68% respectively. Across the full 7-year window we track, VTI has the edge at +15.60% annualized vs +10.57%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
WWJD has been the more volatile fund, with annualized monthly volatility of 18.7% compared with 17.1% 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 -35.0% for VTI and -35.8% for WWJD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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 0.61%. On a $10,000 position that is $3 vs $61 annually, a gap of $58 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 2.41% for WWJD.
Holdings Overlap
0.1% of VTI's money is in holdings WWJD also owns. 0.6% of WWJD's money is in holdings VTI also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
The two holdings books were reported 46 days apart, VTI as of Jul 31, 2026 and WWJD as of Sep 15, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 3,463 positions we hold weights for in VTI and 201 in WWJD, against full books of 3,524 and 202.
What only one of them owns
Our book lists 2 positions for WWJD that do not appear in our book for VTI (0.9% of the fund), and 1,149 for VTI that do not appear in WWJD (97.4%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in VTI | Weight in WWJD | Difference |
|---|---|---|---|
| GRMNGarminltd. | 0.07% | 0.57% | 0.50% |
You are not choosing between two funds in isolation.
Whichever of VTI and WWJD 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 WWJD?
VTI has an expense ratio of 0.03% while WWJD charges 0.61%. VTI is the cheaper option, by $58 a year on a $10,000 investment.
Which performed better, VTI or WWJD?
Over the past year VTI returned +16.22% vs +10.83% for WWJD, so VTI leads on 1-year performance. Over the longest common window we track (7 years), VTI annualized +15.60% vs +10.57% for WWJD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or WWJD?
WWJD has been the more volatile fund at 18.7% annualized versus 17.1% for VTI. Worst drawdown: VTI -35.0% vs WWJD -35.8%.
Should I hold both VTI and WWJD?
VTI and WWJD have a monthly-return correlation of 0.82, 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 WWJD?
VTI yields 1.03% while WWJD yields 2.41%, so WWJD currently pays the higher dividend yield.
Is WWJD better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. WWJD is less concentrated, with 6.5% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.