VTI vs WIW
VTI vs WIW
Vanguard Total Stock Market ETF vs Western Asset Inflation-Linked Opportunities & Income Fund
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 | WIW | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.71% | |
| AUM | $663.5B | $569M | |
| Dividend Yield | 1.07% | 7.95% | |
| Holdings | 3,543 | 161 | |
| YTD Return | +13.39% | +2.60% | |
| 1Y Return | +23.21% | +3.65% | |
| 3Y Return (annualized) | +20.65% | +6.68% | |
| 5Y Return (annualized) | +12.18% | +0.37% | |
| Volatility (annualized) | 15.3% | 10.0% | |
| Max Drawdown | -56.6% | -43.9% | |
| Fund Family | Vanguard (US) | Franklin Templeton Investments (US) | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Feb 27, 2004 |
VTI vs WIW Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Western Asset Inflation-Linked Opportunities & Income Fund (WIW) is a ETF from Franklin Templeton Investments (US). Over the past year VTI returned +23.21% while WIW returned +3.65%. Year to date, VTI is up 13.39% versus a gain of 2.60% for WIW.
Over three years, VTI compounded at +20.65% per year against +6.68% for WIW; over five years the annualized figures are +12.18% and +0.37% respectively. Across the full 22-year window we track, VTI has the edge at +8.11% annualized vs -0.38%. 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 10.0% for WIW. 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 -43.9% for WIW. 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 0.51. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while WIW charges 0.71%. On a $10,000 position that is $3 vs $71 annually, a gap of $68 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 7.95% for WIW.
Holdings Overlap
VTI and WIW share 0 holdings out of 2879 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or WIW?
VTI has an expense ratio of 0.03% while WIW charges 0.71%. VTI is the cheaper option. On a $10,000 investment, that is $68 per year of difference.
Which performed better, VTI or WIW?
Over the past year VTI returned +23.21% vs +3.65% for WIW, so VTI leads on 1-year performance. Over the longest common window we track (22 years), VTI annualized +8.11% vs -0.38% for WIW. Past performance does not guarantee future results.
Which is riskier, VTI or WIW?
VTI has been the more volatile fund at 15.3% annualized versus 10.0% for WIW. Worst drawdown: VTI -56.6% vs WIW -43.9%.
Should I hold both VTI and WIW?
VTI and WIW have a monthly-return correlation of 0.51, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and WIW?
VTI and WIW share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2879 unique securities.
Which pays a higher dividend, VTI or WIW?
VTI yields 1.07% while WIW yields 7.95%, so WIW currently pays the higher dividend yield.
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