VTI vs ZHOG
VTI vs ZHOG
Vanguard Total Stock Market ETF vs F/m Opportunistic Income 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 | ZHOG | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.43% | |
| AUM | $663.5B | $46M | |
| Dividend Yield | 1.07% | 5.47% | |
| Holdings | 3,543 | 116 | |
| YTD Return | +11.83% | +0.71% | |
| 1Y Return | +21.79% | +3.62% | |
| 3Y Return (annualized) | +20.40% | +6.63% | |
| 5Y Return (annualized) | +11.96% | - | |
| Volatility (annualized) | 15.3% | 5.1% | |
| Max Drawdown | -56.6% | -3.7% | |
| Fund Family | Vanguard (US) | F-m investments | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Sep 6, 2023 |
VTI vs ZHOG Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and F/m Opportunistic Income ETF (ZHOG) is a ETF from F-m investments. Over the past year VTI returned +21.79% while ZHOG returned +3.62%. Year to date, VTI is up 11.83% versus a gain of 0.71% for ZHOG.
Over three years, VTI compounded at +20.40% per year against +6.63% for ZHOG. Across the full 3-year window we track, VTI has the edge at +8.06% annualized vs +6.63%. 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 5.1% for ZHOG. 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 -3.7% for ZHOG. 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while ZHOG charges 0.43%. On a $10,000 position that is $3 vs $43 annually, a gap of $40 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 5.47% for ZHOG.
Holdings Overlap
VTI and ZHOG share 0 holdings out of 2807 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 ZHOG?
VTI has an expense ratio of 0.03% while ZHOG charges 0.43%. VTI is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, VTI or ZHOG?
Over the past year VTI returned +21.79% vs +3.62% for ZHOG, so VTI leads on 1-year performance. Over the longest common window we track (3 years), VTI annualized +8.06% vs +6.63% for ZHOG. Past performance does not guarantee future results.
Which is riskier, VTI or ZHOG?
VTI has been the more volatile fund at 15.3% annualized versus 5.1% for ZHOG. Worst drawdown: VTI -56.6% vs ZHOG -3.7%.
Should I hold both VTI and ZHOG?
VTI and ZHOG have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and ZHOG?
VTI and ZHOG share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2807 unique securities.
Which pays a higher dividend, VTI or ZHOG?
VTI yields 1.07% while ZHOG yields 5.47%, so ZHOG currently pays the higher dividend yield.
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