MOAT vs VTI
MOAT vs VTI
VanEck Morningstar Wide Moat ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | MOAT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.46% | 0.03% | |
| AUM | $11.7B | $663.5B | |
| Dividend Yield | 1.35% | 1.07% | |
| Holdings | 59 | 3,543 | |
| YTD Return | +6.87% | +13.39% | |
| 1Y Return | +15.34% | +23.21% | |
| 3Y Return (annualized) | +11.53% | +20.65% | |
| 5Y Return (annualized) | +8.79% | +12.18% | |
| Volatility (annualized) | 154573.1% | 15.3% | |
| Max Drawdown | -96.0% | -56.6% | |
| Fund Family | VanEck | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 24, 2012 | May 24, 2001 |
MOAT vs VTI Performance
VanEck Morningstar Wide Moat ETF (MOAT) is a ETF from VanEck and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MOAT returned +15.34% while VTI returned +23.21%. Year to date, MOAT is up 6.87% versus a gain of 13.39% for VTI.
Over three years, MOAT compounded at +11.53% per year against +20.65% for VTI; over five years the annualized figures are +8.79% and +12.18% respectively. Across the full 19-year window we track, MOAT has the edge at +52.32% annualized vs +8.11%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MOAT has been the more volatile fund, with annualized monthly volatility of 154573.1% 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 -96.0% for MOAT 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 -0.02. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MOAT charges 0.46% per year while VTI charges 0.03%. On a $10,000 position that is $46 vs $3 annually, a gap of $43 per year that compounds over a long holding period. On income, MOAT currently yields 1.35% against 1.07% for VTI.
Holdings Overlap
MOAT and VTI share 49 holdings out of 2789 unique holdings combined, representing a 14.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in MOAT | Weight in VTI | Difference |
|---|---|---|---|
| NVDA | 2.56% | 6.32% | 3.76% |
| MSFT | 2.25% | 3.81% | 1.56% |
| AVGO | 2.52% | 2.46% | 0.06% |
| AMZN | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| SCHW | Pro | Pro | Pro |
| MAS | Pro | Pro | Pro |
| PANW | Pro | Pro | Pro |
| BMY | Pro | Pro | Pro |
| LPLA | Pro | Pro | Pro |
See all 10 holdings MOAT 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, MOAT or VTI?
MOAT has an expense ratio of 0.46% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, MOAT or VTI?
Over the past year MOAT returned +15.34% vs +23.21% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (19 years), MOAT annualized +52.32% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, MOAT or VTI?
MOAT has been the more volatile fund at 154573.1% annualized versus 15.3% for VTI. Worst drawdown: MOAT -96.0% vs VTI -56.6%.
Should I hold both MOAT and VTI?
MOAT and VTI have a monthly-return correlation of -0.02, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MOAT and VTI?
MOAT and VTI share 49 common holdings with a 14.3% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, MOAT or VTI?
MOAT yields 1.35% while VTI yields 1.07%, so MOAT currently pays the higher dividend yield.
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