TMFC vs VTI
Motley Fool 100 Index ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TMFC or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. TMFC led over 3Y, 5Y and the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.94. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 57.0%.
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 | TMFC | VTI |
|---|---|---|
| Expense Ratio | 0.50% | 0.03%Best |
| AUM | $2.2B | $689.2B |
| Dividend Yield | 0.11% | 1.06% |
| Holdings | 104 | 3,524 |
| YTD Return | +12.45% | +13.02%Best |
| 1Y Return | +15.03% | +16.63%Best |
| 3Y Return (annualized) | +25.68%Best | +21.97% |
| 5Y Return (annualized) | +14.65%Best | +11.99% |
| Volatility (annualized) | 18.6% | 16.8%Best |
| Max Drawdown | -33.1%Best | -35.0% |
| $10,000 over 5 years | $19,809Best | $17,616 |
| Top 10 Weight | 57.0% | 33.5%Best |
| Fund Family | Motley Fool Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Jan 29, 2018 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Jan 30, 2018 to Oct 14, 2026 (8.7 years).
TMFC 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 8.7 years both funds cover.
TMFC vs VTI Performance
Motley Fool 100 Index ETF (TMFC) is an ETF from Motley Fool Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TMFC returned +15.03% while VTI returned +16.63%. Year to date, TMFC is up 12.45% versus a gain of 13.02% for VTI.
Over three years, TMFC compounded at +25.68% per year against +21.97% for VTI; over five years the annualized figures are +14.65% and +11.99% respectively. Across the full 9-year window we track, TMFC has the edge at +17.79% annualized vs +12.67%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TMFC has been the more volatile fund, with annualized monthly volatility of 18.6% compared with 16.8% 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 -33.1% for TMFC and -35.0% 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
TMFC charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, TMFC currently yields 0.11% against 1.06% for VTI.
Holdings Overlap
100.0% of TMFC's money is in holdings VTI also owns. 51.2% of VTI's money is in holdings TMFC also owns.
Most of TMFC is already inside VTI. Owning both mostly buys the same companies twice.
113 positions in common, counted across the 114 positions we hold weights for in TMFC and 3,441 in VTI, against full books of 104 and 3,524.
What only one of them owns
Measured across the 114 and 3,441 positions we hold weights for.
VTI holds 1,043 positions TMFC does not, 46.4% of the fund.
Largest: GOOGL 2.70%, LLY 1.33%, JNJ 0.87%, ABBV 0.61%, PLTR 0.55%
Top Shared Holdings
| Stock | Weight in TMFC | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 10.35% | 6.88% | 3.47% |
| AAPLApple, Inc | 8.83% | 6.30% | 2.53% |
| MSFTMicrosoft Corp | 7.06% | 5.11% | 1.95% |
| GOOGAlphabet Inc. C | 7.60% | 2.12% | 5.48% |
| AMZNAmazon.Com Inc | 4.95% | 3.41% | 1.54% |
| METAMeta Platforms Inc | 4.63% | 1.70% | 2.93% |
| MUMicron Technology, Inc. | 4.09% | 1.46% | 2.63% |
| AVGOBroadcom Inc | 2.59% | 2.38% | 0.21% |
| BRK.BBerkshire Hathaway Inc Brk/B Us Equity | 3.58% | 1.23% | 2.35% |
| AMDAdvanced Micro Devices, Inc | 3.37% | 1.04% | 2.33% |
100.0% of TMFC 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.
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Frequently Asked Questions
Which is cheaper, TMFC or VTI?
TMFC has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option, by $47 a year on a $10,000 investment.
Which performed better, TMFC or VTI?
Over the past year TMFC returned +15.03% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), TMFC annualized +17.79% vs +12.67% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TMFC or VTI?
TMFC has been the more volatile fund at 18.6% annualized versus 16.8% for VTI. Worst drawdown: TMFC -33.1% vs VTI -35.0%.
Should I hold both TMFC and VTI?
TMFC and VTI have a monthly-return correlation of 0.94, 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 TMFC and VTI?
100.0% of TMFC's money is in holdings VTI also owns. 51.2% of VTI's is in holdings TMFC also owns. They hold 113 positions in common, counted across the 114 positions we hold weights for in TMFC and 3,441 in VTI.
Which pays a higher dividend, TMFC or VTI?
TMFC yields 0.11% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than TMFC?
VTI has a lower expense ratio. TMFC led over 3Y, 5Y and the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.94. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 57.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.