OEF vs VTI
iShares S&P 100 ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, OEF or VTI?
Nearly the same fund. VTI costs less.
VTI has a lower expense ratio. OEF led over 1Y, 3Y and 5Y, VTI over the full window. The two have moved almost in lockstep, correlation 0.97. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 52.5%.
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 | OEF | VTI |
|---|---|---|
| Expense Ratio | 0.20% | 0.03%Best |
| AUM | $20.8B | $689.2B |
| Dividend Yield | 0.85% | 1.06% |
| Holdings | 105 | 3,524 |
| YTD Return | +13.12%Best | +13.02% |
| 1Y Return | +17.28%Best | +16.63% |
| 3Y Return (annualized) | +24.48%Best | +21.97% |
| 5Y Return (annualized) | +14.93%Best | +11.99% |
| Volatility (annualized) | 15.0%Best | 15.3% |
| Max Drawdown | -55.5%Best | -56.6% |
| $10,000 over 5 years | $20,052Best | $17,616 |
| Top 10 Weight | 52.5% | 33.5%Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Oct 23, 2000 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: May 31, 2001 to Oct 14, 2026 (25.4 years).
OEF 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 25.4 years both funds cover.
OEF vs VTI Performance
iShares S&P 100 ETF (OEF) is an ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year OEF returned +17.28% while VTI returned +16.63%. Year to date, OEF is up 13.12% versus a gain of 13.02% for VTI.
Over three years, OEF compounded at +24.48% per year against +21.97% for VTI; over five years the annualized figures are +14.93% and +11.99% respectively. Across the full 25-year window we track, VTI has the edge at +8.04% annualized vs +7.56%.
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 15.0% for OEF. 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 -55.5% for OEF 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 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
OEF charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, OEF currently yields 0.85% against 1.06% for VTI.
Holdings Overlap
96.8% of OEF's money is in holdings VTI also owns. 62.6% of VTI's money is in holdings OEF also owns.
Most of OEF is already inside VTI. Owning both mostly buys the same companies twice.
97 positions in common, counted across the 102 positions we hold weights for in OEF and 3,441 in VTI, against full books of 105 and 3,524.
What only one of them owns
Our book lists 1,059 positions for VTI that do not appear in our book for OEF (34.7% of the fund), and 3 for OEF that do not appear in VTI (2.7%).
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 OEF | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 11.40% | 6.88% | 4.52% |
| AAPLApple, Inc | 9.84% | 6.30% | 3.54% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 7.77% | 5.11% | 2.66% |
| AMZNAmazon.Com Inc | 4.97% | 3.41% | 1.56% |
| GOOGLAlphabet Inc-cl A | 4.05% | 2.70% | 1.35% |
| AVGOBroadcom Inc | 3.34% | 2.38% | 0.96% |
| GOOGAlphabet, Inc.- Cl C | 3.25% | 2.12% | 1.13% |
| METAMeta Platform Inc | 3.27% | 1.70% | 1.57% |
| MUMicron Technology, Inc. | 2.53% | 1.46% | 1.07% |
| TSLATesla Motors Inc | 2.04% | 1.40% | 0.64% |
96.8% of OEF 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, OEF or VTI?
OEF has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option, by $17 a year on a $10,000 investment.
Which performed better, OEF or VTI?
Over the past year OEF returned +17.28% vs +16.63% for VTI, so OEF leads on 1-year performance. Over the longest common window we track (25 years), OEF annualized +7.56% vs +8.04% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, OEF or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 15.0% for OEF. Worst drawdown: OEF -55.5% vs VTI -56.6%.
Should I hold both OEF and VTI?
OEF and VTI have a monthly-return correlation of 0.97, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between OEF and VTI?
96.8% of OEF's money is in holdings VTI also owns. 62.6% of VTI's is in holdings OEF also owns. They hold 97 positions in common, counted across the 102 positions we hold weights for in OEF and 3,441 in VTI.
Which pays a higher dividend, OEF or VTI?
OEF yields 0.85% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than OEF?
VTI has a lower expense ratio. OEF led over 1Y, 3Y and 5Y, VTI over the full window. The two have moved almost in lockstep, correlation 0.97. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 52.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.