HLAL vs VTI
HLAL vs VTI
Wahed FTSE USA Shariah ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. HLAL delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | HLAL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $906M | $663.5B | |
| Dividend Yield | 0.45% | 1.07% | |
| Holdings | 209 | 3,543 | |
| YTD Return | +17.96% | +14.20% | |
| 1Y Return | +33.31% | +24.16% | |
| 3Y Return (annualized) | +20.14% | +21.12% | |
| 5Y Return (annualized) | +14.25% | +12.37% | |
| Volatility (annualized) | 18.0% | 15.3% | |
| Max Drawdown | -33.6% | -56.6% | |
| Fund Family | Wahed Invest | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 15, 2019 | May 24, 2001 |
HLAL vs VTI Performance
Wahed FTSE USA Shariah ETF (HLAL) is a ETF from Wahed Invest and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year HLAL returned +33.31% while VTI returned +24.16%. Year to date, HLAL is up 17.96% versus a gain of 14.20% for VTI.
Over three years, HLAL compounded at +20.14% per year against +21.12% for VTI; over five years the annualized figures are +14.25% and +12.37% respectively. Across the full 7-year window we track, HLAL has the edge at +17.19% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HLAL has been the more volatile fund, with annualized monthly volatility of 18.0% 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 -33.6% for HLAL 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 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
HLAL charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, HLAL currently yields 0.45% against 1.07% for VTI.
Holdings Overlap
HLAL and VTI share 190 holdings out of 2801 unique holdings combined, representing a 46.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in HLAL | Weight in VTI | Difference |
|---|---|---|---|
| AAPL | 13.35% | 5.84% | 7.51% |
| MSFT | 9.25% | 3.81% | 5.44% |
| GOOGL | 6.72% | 2.88% | 3.84% |
| AVGO | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
| AMD | Pro | Pro | Pro |
See all 10 holdings HLAL 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, HLAL or VTI?
HLAL has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, HLAL or VTI?
Over the past year HLAL returned +33.31% vs +24.16% for VTI, so HLAL leads on 1-year performance. Over the longest common window we track (7 years), HLAL annualized +17.19% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, HLAL or VTI?
HLAL has been the more volatile fund at 18.0% annualized versus 15.3% for VTI. Worst drawdown: HLAL -33.6% vs VTI -56.6%.
Should I hold both HLAL and VTI?
HLAL and VTI have a monthly-return correlation of 0.96, 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 HLAL and VTI?
HLAL and VTI share 190 common holdings with a 46.8% weight overlap. Combined, they hold 2801 unique securities.
Which pays a higher dividend, HLAL or VTI?
HLAL yields 0.45% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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