TEC vs VTI
Harbor Transformative Technologies ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TEC or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. TEC led over 1Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 50.9%.
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 | TEC | VTI |
|---|---|---|
| Expense Ratio | 0.69% | 0.03%Best |
| AUM | $7M | $689.2B |
| Dividend Yield | 0.00% | 1.06% |
| Holdings | 88 | 3,524 |
| YTD Return | +20.68%Best | +13.02% |
| 1Y Return | +22.30%Best | +16.63% |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 21.8% | 11.8%Best |
| Max Drawdown | -17.5% | -8.9%Best |
| $10,000 over 1.5 years | $17,518Best | $14,848 |
| Top 10 Weight | 50.9% | 33.5%Best |
| Fund Family | Harbor Funds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Apr 16, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Apr 17, 2025 to Oct 14, 2026 (1.5 years).
TEC 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 1.5 years both funds cover.
TEC vs VTI Performance
Harbor Transformative Technologies ETF (TEC) is an ETF from Harbor Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TEC returned +22.30% while VTI returned +16.63%. Year to date, TEC is up 20.68% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TEC has been the more volatile fund, with annualized monthly volatility of 21.8% compared with 11.8% 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 -17.5% for TEC 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 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TEC charges 0.69% per year while VTI charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, TEC currently yields 0.00% against 1.06% for VTI.
Holdings Overlap
90.8% of TEC's money is in holdings VTI also owns. 38.3% of VTI's money is in holdings TEC also owns.
Most of TEC is already inside VTI. Owning both mostly buys the same companies twice.
39 positions in common, counted across the 44 positions we hold weights for in TEC and 3,441 in VTI, against full books of 88 and 3,524.
What only one of them owns
Our book lists 1,119 positions for VTI that do not appear in our book for TEC (59.3% of the fund), and 1 for TEC that do not appear in VTI (1.0%).
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 TEC | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 7.92% | 6.30% | 1.62% |
| NVDANvidia Corp | 6.86% | 6.88% | 0.02% |
| MSFTMicrosoft Corp | 5.88% | 5.11% | 0.77% |
| AMZNAmazon.Com Inc | 4.98% | 3.41% | 1.57% |
| GOOGLAlphabet Inc | 5.50% | 2.70% | 2.80% |
| AMDAdvanced Micro Devices Inc | 5.24% | 1.04% | 4.20% |
| AVGOBroadcom Inc | 3.35% | 2.38% | 0.97% |
| LRCXLrcx Uw Equity | 4.38% | 0.51% | 3.87% |
| METAMeta Platforms Inc | 3.15% | 1.70% | 1.45% |
| MUMicron Technology, Inc. | 3.34% | 1.46% | 1.88% |
90.8% of TEC 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, TEC or VTI?
TEC has an expense ratio of 0.69% while VTI charges 0.03%. VTI is the cheaper option, by $66 a year on a $10,000 investment.
Which performed better, TEC or VTI?
Over the past year TEC returned +22.30% vs +16.63% for VTI, so TEC leads on 1-year performance. Over the longest common window we track (2 years), TEC annualized +45.32% vs +30.15% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TEC or VTI?
TEC has been the more volatile fund at 21.8% annualized versus 11.8% for VTI. Worst drawdown: TEC -17.5% vs VTI -8.9%.
Should I hold both TEC and VTI?
TEC and VTI have a monthly-return correlation of 0.88, 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 TEC and VTI?
90.8% of TEC's money is in holdings VTI also owns. 38.3% of VTI's is in holdings TEC also owns. They hold 39 positions in common, counted across the 44 positions we hold weights for in TEC and 3,441 in VTI.
Which pays a higher dividend, TEC or VTI?
TEC yields 0.00% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than TEC?
VTI has a lower expense ratio. TEC led over 1Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 50.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.