MDAA vs VTI
Myriad Dynamic Asset Allocation ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, MDAA or VTI?
Allocation/Balanced against Large Cap Blend.
VTI has a lower expense ratio. MDAA led over 1Y, VTI over the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 48.2%.
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 | MDAA | VTI |
|---|---|---|
| Expense Ratio | 0.97% | 0.03%Best |
| AUM | $454M | $689.2B |
| Dividend Yield | 0.39% | 1.06% |
| Holdings | 82 | 3,524 |
| YTD Return | +13.56%Best | +13.02% |
| 1Y Return | +17.15%Best | +16.63% |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 20.3% | 13.1%Best |
| Max Drawdown | -14.6% | -8.9%Best |
| $10,000 over 1 years | $11,499 | $11,504Best |
| Top 10 Weight | 48.2% | 33.5%Best |
| Fund Family | Myriad Asset Management LP | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Blend |
| Inception | Oct 3, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1 years row, are measured over the window both funds cover: Oct 3, 2025 to Oct 14, 2026 (1 years).
MDAA 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 1 years both funds cover.
MDAA vs VTI Performance
Myriad Dynamic Asset Allocation ETF (MDAA) is an ETF from Myriad Asset Management LP and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year MDAA returned +17.15% while VTI returned +16.63%. Year to date, MDAA is up 13.56% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MDAA has been the more volatile fund, with annualized monthly volatility of 20.3% compared with 13.1% 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 -14.6% for MDAA and -8.9% 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
MDAA charges 0.97% per year while VTI charges 0.03%. On a $10,000 position that is $97 vs $3 annually, a gap of $94 per year that compounds over a long holding period. On income, MDAA currently yields 0.39% against 1.06% for VTI.
Holdings Overlap
68.0% of MDAA's money is in holdings VTI also owns. 46.1% of VTI's money is in holdings MDAA also owns.
The two portfolios partly overlap.
52 positions in common, counted across the 68 positions we hold weights for in MDAA and 3,441 in VTI, against full books of 82 and 3,524.
What only one of them owns
Our book lists 1,104 positions for VTI that do not appear in our book for MDAA (51.4% of the fund), and 7 for MDAA that do not appear in VTI (22.1%).
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 MDAA | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.28% | 6.88% | 0.60% |
| MSFTMicrosoft Corp | 6.22% | 5.11% | 1.11% |
| AAPLApple, Inc | 3.69% | 6.30% | 2.61% |
| AMZNAmazon.Com Inc | 4.59% | 3.41% | 1.18% |
| GOOGLAlphabet Inc | 4.63% | 2.70% | 1.93% |
| METAMeta Platforms Inc | 2.48% | 1.70% | 0.78% |
| AVGOBroadcom Inc | 1.66% | 2.38% | 0.72% |
| MUMicron Technology, Inc. | 2.56% | 1.46% | 1.10% |
| LLYEli Lilly & Co. | 2.51% | 1.33% | 1.18% |
| JPMJpmorgan Chase | 2.01% | 1.29% | 0.72% |
68.0% of MDAA 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, MDAA or VTI?
MDAA has an expense ratio of 0.97% while VTI charges 0.03%. VTI is the cheaper option, by $94 a year on a $10,000 investment.
Which performed better, MDAA or VTI?
Over the past year MDAA returned +17.15% vs +16.63% for VTI, so MDAA leads on 1-year performance. Over the longest common window we track (1 years), MDAA annualized +14.99% vs +15.04% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, MDAA or VTI?
MDAA has been the more volatile fund at 20.3% annualized versus 13.1% for VTI. Worst drawdown: MDAA -14.6% vs VTI -8.9%.
Should I hold both MDAA and VTI?
MDAA and VTI have a monthly-return correlation of 0.89, 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 MDAA and VTI?
68.0% of MDAA's money is in holdings VTI also owns. 46.1% of VTI's is in holdings MDAA also owns. They hold 52 positions in common, counted across the 68 positions we hold weights for in MDAA and 3,441 in VTI.
Which pays a higher dividend, MDAA or VTI?
MDAA yields 0.39% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than MDAA?
VTI has a lower expense ratio. MDAA led over 1Y, VTI over the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 48.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.