EFIV vs VTI
EFIV vs VTI
State Street SPDR S&P 500 ESG ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. EFIV delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | EFIV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $979M | $663.5B | |
| Dividend Yield | 0.96% | 1.07% | |
| Holdings | 333 | 3,543 | |
| YTD Return | +13.78% | +13.57% | |
| 1Y Return | +26.77% | +24.23% | |
| 3Y Return (annualized) | +21.26% | +20.73% | |
| 5Y Return (annualized) | +14.18% | +12.24% | |
| Volatility (annualized) | 15.8% | 15.3% | |
| Max Drawdown | -24.5% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 27, 2020 | May 24, 2001 |
EFIV vs VTI Performance
State Street SPDR S&P 500 ESG ETF (EFIV) is a ETF from State Street Investment Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EFIV returned +26.77% while VTI returned +24.23%. Year to date, EFIV is up 13.78% versus a gain of 13.57% for VTI.
Over three years, EFIV compounded at +21.26% per year against +20.73% for VTI; over five years the annualized figures are +14.18% and +12.24% respectively. Across the full 6-year window we track, EFIV has the edge at +17.86% annualized vs +8.12%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EFIV has been the more volatile fund, with annualized monthly volatility of 15.8% 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 -24.5% for EFIV 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 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
EFIV charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, EFIV currently yields 0.96% against 1.07% for VTI.
Holdings Overlap
EFIV and VTI share 298 holdings out of 2815 unique holdings combined, representing a 53.0% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in EFIV | Weight in VTI | Difference |
|---|---|---|---|
| NVDA | 11.92% | 6.32% | 5.60% |
| MSFT | 7.23% | 3.81% | 3.42% |
| GOOGL | 5.41% | 2.88% | 2.53% |
| GOOG | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
| V | Pro | Pro | Pro |
| INTC | Pro | Pro | Pro |
| AMAT | Pro | Pro | Pro |
| WMT | Pro | Pro | Pro |
See all 10 holdings EFIV 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, EFIV or VTI?
EFIV has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, EFIV or VTI?
Over the past year EFIV returned +26.77% vs +24.23% for VTI, so EFIV leads on 1-year performance. Over the longest common window we track (6 years), EFIV annualized +17.86% vs +8.12% for VTI. Past performance does not guarantee future results.
Which is riskier, EFIV or VTI?
EFIV has been the more volatile fund at 15.8% annualized versus 15.3% for VTI. Worst drawdown: EFIV -24.5% vs VTI -56.6%.
Should I hold both EFIV and VTI?
EFIV and VTI have a monthly-return correlation of 0.99, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between EFIV and VTI?
EFIV and VTI share 298 common holdings with a 53.0% weight overlap. Combined, they hold 2815 unique securities.
Which pays a higher dividend, EFIV or VTI?
EFIV yields 0.96% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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