KRE vs VTI
State Street SPDR S&P Regional Banking ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, KRE or VTI?
Small Cap Value against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. KRE is less concentrated, with 14.1% of the fund in its ten largest positions against 33.5%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | KRE | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $3.6B | $689.2B |
| Dividend Yield | 2.32% | 1.06% |
| Holdings | 160 | 3,524 |
| YTD Return | +6.89% | +13.02%Best |
| 1Y Return | +10.67% | +16.63%Best |
| 3Y Return (annualized) | +21.26% | +21.97%Best |
| 5Y Return (annualized) | +2.07% | +11.99%Best |
| Volatility (annualized) | 26.4% | 15.7%Best |
| Max Drawdown | -71.2% | -56.6%Best |
| $10,000 over 5 years | $11,079 | $17,616Best |
| Top 10 Weight | 14.1%Best | 33.5% |
| Fund Family | State Street Investment Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Small Cap Value | Large Cap Blend |
| Inception | Jun 19, 2006 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Jun 22, 2006 to Oct 14, 2026 (20.3 years).
KRE vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 20.3 years both funds cover.
KRE vs VTI Performance
State Street SPDR S&P Regional Banking ETF (KRE) is an ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year KRE returned +10.67% while VTI returned +16.63%. Year to date, KRE is up 6.89% versus a gain of 13.02% for VTI.
Over three years, KRE compounded at +21.26% per year against +21.97% for VTI; over five years the annualized figures are +2.07% and +11.99% respectively. Across the full 20-year window we track, VTI has the edge at +9.73% annualized vs +2.52%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
KRE has been the more volatile fund, with annualized monthly volatility of 26.4% compared with 15.7% 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 -71.2% for KRE and -56.6% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.65. They move together some of the time, and apart the rest.
Fees and Cost Over Time
KRE charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, KRE currently yields 2.32% against 1.06% for VTI.
Holdings Overlap
99.1% of KRE's money is in holdings VTI also owns. 0.7% of VTI's money is in holdings KRE also owns.
Most of KRE is already inside VTI. Owning both mostly buys the same companies twice.
156 positions in common, counted across the 159 positions we hold weights for in KRE and 3,441 in VTI, against full books of 160 and 3,524.
What only one of them owns
Our book lists 1,112 positions for VTI that do not appear in our book for KRE (96.9% of the fund), and 3 for KRE that do not appear in VTI (0.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in KRE | Weight in VTI | Difference |
|---|---|---|---|
| CFRCullen/Frost Bankers, Inc. | 1.48% | 0.01% | 1.47% |
| CFGCitizens Financial Group Inc. | 1.42% | 0.04% | 1.38% |
| SSBSouth State Corp | 1.44% | 0.01% | 1.43% |
| MTBM&T Bank Corp | 1.40% | 0.05% | 1.35% |
| HOMBHome Bancshares Inc/ar | 1.42% | 0.01% | 1.41% |
| PNFPPinnacle Financial Partners In Common Stock Usd1.0 | 1.40% | 0.02% | 1.38% |
| TFCTruist Financial Corp. | 1.33% | 0.08% | 1.25% |
| CBSHCommerce Bancshares Inc | 1.40% | 0.01% | 1.39% |
| RFRegions Financia | 1.38% | 0.03% | 1.35% |
| HWCHancock Whitney Corp Common Stock Usd3.33 | 1.39% | 0.01% | 1.38% |
99.1% of KRE is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, KRE or VTI?
KRE has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, KRE or VTI?
Over the past year KRE returned +10.67% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (20 years), KRE annualized +2.52% vs +9.73% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, KRE or VTI?
KRE has been the more volatile fund at 26.4% annualized versus 15.7% for VTI. Worst drawdown: KRE -71.2% vs VTI -56.6%.
Should I hold both KRE and VTI?
KRE and VTI have a monthly-return correlation of 0.65, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between KRE and VTI?
99.1% of KRE's money is in holdings VTI also owns. 0.7% of VTI's is in holdings KRE also owns. They hold 156 positions in common, counted across the 159 positions we hold weights for in KRE and 3,441 in VTI.
Which pays a higher dividend, KRE or VTI?
KRE yields 2.32% while VTI yields 1.06%, so KRE currently pays the higher dividend yield.
Is VTI better than KRE?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. KRE is less concentrated, with 14.1% of the fund in its ten largest positions against 33.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.