USMF vs VTI
USMF vs VTI
WisdomTree US Multifactor Fund 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 | USMF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.28% | 0.03% | |
| AUM | $298M | $663.5B | |
| Dividend Yield | 1.28% | 1.07% | |
| Holdings | 200 | 3,543 | |
| YTD Return | +5.49% | +13.57% | |
| 1Y Return | +6.81% | +24.23% | |
| 3Y Return (annualized) | +12.05% | +20.73% | |
| 5Y Return (annualized) | +7.46% | +12.24% | |
| Volatility (annualized) | 14.9% | 15.3% | |
| Max Drawdown | -36.2% | -56.6% | |
| Fund Family | WisdomTree Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 29, 2017 | May 24, 2001 |
USMF vs VTI Performance
WisdomTree US Multifactor Fund (USMF) is a ETF from WisdomTree Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year USMF returned +6.81% while VTI returned +24.23%. Year to date, USMF is up 5.49% versus a gain of 13.57% for VTI.
Over three years, USMF compounded at +12.05% per year against +20.73% for VTI; over five years the annualized figures are +7.46% and +12.24% respectively. Across the full 9-year window we track, USMF has the edge at +10.38% 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 14.9% for USMF. 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 -36.2% for USMF 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
USMF charges 0.28% per year while VTI charges 0.03%. On a $10,000 position that is $28 vs $3 annually, a gap of $25 per year that compounds over a long holding period. On income, USMF currently yields 1.28% against 1.07% for VTI.
Holdings Overlap
USMF and VTI share 164 holdings out of 2816 unique holdings combined, representing a 13.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in USMF | Weight in VTI | Difference |
|---|---|---|---|
| MU | 0.74% | 1.79% | 1.05% |
| CSCO | 1.37% | 0.57% | 0.80% |
| VRSN | 1.72% | 0.03% | 1.69% |
| MSI | Pro | Pro | Pro |
| LRCX | Pro | Pro | Pro |
| TDY | Pro | Pro | Pro |
| T | Pro | Pro | Pro |
| JNJ | Pro | Pro | Pro |
| FFIV | Pro | Pro | Pro |
| XOM | Pro | Pro | Pro |
See all 10 holdings USMF 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, USMF or VTI?
USMF has an expense ratio of 0.28% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $25 per year of difference.
Which performed better, USMF or VTI?
Over the past year USMF returned +6.81% vs +24.23% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), USMF annualized +10.38% vs +8.12% for VTI. Past performance does not guarantee future results.
Which is riskier, USMF or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.9% for USMF. Worst drawdown: USMF -36.2% vs VTI -56.6%.
Should I hold both USMF and VTI?
USMF and VTI have a monthly-return correlation of 0.92, 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 USMF and VTI?
USMF and VTI share 164 common holdings with a 13.6% weight overlap. Combined, they hold 2816 unique securities.
Which pays a higher dividend, USMF or VTI?
USMF yields 1.28% while VTI yields 1.07%, so USMF currently pays the higher dividend yield.
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