DFLV vs VTI
DFLV vs VTI
Dimensional US Large Cap Value ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. DFLV delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | DFLV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.21% | 0.03% | |
| AUM | $6.7B | $663.5B | |
| Dividend Yield | 1.40% | 1.07% | |
| Holdings | 342 | 3,543 | |
| YTD Return | +20.22% | +13.57% | |
| 1Y Return | +34.69% | +24.23% | |
| 3Y Return (annualized) | +18.39% | +20.73% | |
| 5Y Return (annualized) | - | +12.24% | |
| Volatility (annualized) | 13.2% | 15.3% | |
| Max Drawdown | -16.8% | -56.6% | |
| Fund Family | Dimensional | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 6, 2022 | May 24, 2001 |
DFLV vs VTI Performance
Dimensional US Large Cap Value ETF (DFLV) is a ETF from Dimensional and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year DFLV returned +34.69% while VTI returned +24.23%. Year to date, DFLV is up 20.22% versus a gain of 13.57% for VTI.
Over three years, DFLV compounded at +18.39% per year against +20.73% for VTI. Across the full 4-year window we track, DFLV has the edge at +16.99% annualized vs +8.12%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 13.2% for DFLV. 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 -16.8% for DFLV and -56.6% for VTI. 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DFLV charges 0.21% per year while VTI charges 0.03%. On a $10,000 position that is $21 vs $3 annually, a gap of $18 per year that compounds over a long holding period. On income, DFLV currently yields 1.40% against 1.07% for VTI.
Holdings Overlap
DFLV and VTI share 300 holdings out of 2820 unique holdings combined, representing a 30.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in DFLV | Weight in VTI | Difference |
|---|---|---|---|
| AMZN | 3.19% | 3.17% | 0.02% |
| JPM | 4.78% | 1.11% | 3.67% |
| MU | 3.76% | 1.79% | 1.97% |
| XOM | Pro | Pro | Pro |
| JNJ | Pro | Pro | Pro |
| BRK.B | Pro | Pro | Pro |
| CSCO | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| CVX | Pro | Pro | Pro |
| UNH | Pro | Pro | Pro |
See all 10 holdings DFLV shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, DFLV or VTI?
DFLV has an expense ratio of 0.21% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $18 per year of difference.
Which performed better, DFLV or VTI?
Over the past year DFLV returned +34.69% vs +24.23% for VTI, so DFLV leads on 1-year performance. Over the longest common window we track (4 years), DFLV annualized +16.99% vs +8.12% for VTI. Past performance does not guarantee future results.
Which is riskier, DFLV or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 13.2% for DFLV. Worst drawdown: DFLV -16.8% vs VTI -56.6%.
Should I hold both DFLV and VTI?
DFLV and VTI have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DFLV and VTI?
DFLV and VTI share 300 common holdings with a 30.9% weight overlap. Combined, they hold 2820 unique securities.
Which pays a higher dividend, DFLV or VTI?
DFLV yields 1.40% while VTI yields 1.07%, so DFLV currently pays the higher dividend yield.
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