VTI vs WINN
VTI vs WINN
Vanguard Total Stock Market ETF vs Harbor Long-Term Growers 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 | VTI | WINN | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.57% | |
| AUM | $663.5B | $1.1B | |
| Dividend Yield | 1.07% | 0.00% | |
| Holdings | 3,543 | 70 | |
| YTD Return | +13.92% | +9.16% | |
| 1Y Return | +24.07% | +13.63% | |
| 3Y Return (annualized) | +20.88% | +21.96% | |
| 5Y Return (annualized) | +12.47% | - | |
| Volatility (annualized) | 15.3% | 21.1% | |
| Max Drawdown | -56.6% | -32.1% | |
| Fund Family | Vanguard (US) | Harbor Funds | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Feb 2, 2022 |
VTI vs WINN Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Harbor Long-Term Growers ETF (WINN) is a ETF from Harbor Funds. Over the past year VTI returned +24.07% while WINN returned +13.63%. Year to date, VTI is up 13.92% versus a gain of 9.16% for WINN.
Over three years, VTI compounded at +20.88% per year against +21.96% for WINN. Across the full 5-year window we track, WINN has the edge at +14.39% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
WINN has been the more volatile fund, with annualized monthly volatility of 21.1% 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 -56.6% for VTI and -32.1% for WINN. 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
VTI charges 0.03% per year while WINN charges 0.57%. On a $10,000 position that is $3 vs $57 annually, a gap of $54 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.00% for WINN.
Holdings Overlap
VTI and WINN share 66 holdings out of 2791 unique holdings combined, representing a 44.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in VTI | Weight in WINN | Difference |
|---|---|---|---|
| NVDA | 6.32% | 11.34% | 5.02% |
| AAPL | 5.84% | 8.18% | 2.34% |
| GOOGL | 2.88% | 7.89% | 5.01% |
| MSFT | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| AMZN | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| AMD | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
See all 10 holdings VTI shares with WINN 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, VTI or WINN?
VTI has an expense ratio of 0.03% while WINN charges 0.57%. VTI is the cheaper option. On a $10,000 investment, that is $54 per year of difference.
Which performed better, VTI or WINN?
Over the past year VTI returned +24.07% vs +13.63% for WINN, so VTI leads on 1-year performance. Over the longest common window we track (5 years), VTI annualized +8.13% vs +14.39% for WINN. Past performance does not guarantee future results.
Which is riskier, VTI or WINN?
WINN has been the more volatile fund at 21.1% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs WINN -32.1%.
Should I hold both VTI and WINN?
VTI and WINN have a monthly-return correlation of 0.91, 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 VTI and WINN?
VTI and WINN share 66 common holdings with a 44.6% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, VTI or WINN?
VTI yields 1.07% while WINN yields 0.00%, so VTI currently pays the higher dividend yield.
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