VTI vs WCAP
Vanguard Morningstar Total Stock Market ETF vs WarCap Unconstrained Equity ETF
Which is better, VTI or WCAP?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 44.3%.
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 | VTI | WCAP |
|---|---|---|
| Expense Ratio | 0.03%Best | 1.00% |
| AUM | $689.2B | $62M |
| Dividend Yield | 1.06% | 0.04% |
| Holdings | 3,524 | 31 |
| YTD Return | +13.02%Best | -4.82% |
| 1Y Return | +16.63%Best | -4.83% |
| 3Y Return (annualized) | +21.97% | - |
| 5Y Return (annualized) | +11.99% | - |
| Volatility (annualized) | 12.6% | 12.2%Best |
| Max Drawdown | -8.9%Best | -15.9% |
| $10,000 over 1.1 years | $11,788Best | $9,252 |
| Top 10 Weight | 33.5%Best | 44.3% |
| Fund Family | Vanguard (US) | Warren Capital Group |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | May 24, 2001 | Sep 11, 2025 |
Volatility and max drawdown, and the $10,000 over 1.1 years row, are measured over the window both funds cover: Sep 11, 2025 to Oct 14, 2026 (1.1 years).
VTI vs WCAP 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 1.1 years both funds cover.
VTI vs WCAP Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and WarCap Unconstrained Equity ETF (WCAP) is an ETF from Warren Capital Group. Over the past year VTI returned +16.63% while WCAP returned -4.83%. Year to date, VTI is up 13.02% versus a loss of 4.82% for WCAP.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.6% compared with 12.2% for WCAP. 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 -8.9% for VTI and -15.9% for WCAP. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while WCAP charges 1.00%. On a $10,000 position that is $3 vs $100 annually, a gap of $97 per year that compounds over a long holding period. On income, VTI currently yields 1.06% against 0.04% for WCAP.
Holdings Overlap
42.6% of VTI's money is in holdings WCAP also owns. 82.3% of WCAP's money is in holdings VTI also owns.
Most of WCAP is already inside VTI. Owning both mostly buys the same companies twice.
35 positions in common, counted across the 3,441 positions we hold weights for in VTI and 40 in WCAP, against full books of 3,524 and 31.
What only one of them owns
Our book lists 4 positions for WCAP that do not appear in our book for VTI (13.1% of the fund), and 1,121 for VTI that do not appear in WCAP (55.0%).
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 VTI | Weight in WCAP | Difference |
|---|---|---|---|
| AAPLApple, Inc | 6.30% | 6.47% | 0.17% |
| NVDANvidia Corp | 6.88% | 5.27% | 1.61% |
| MSFTMicrosoft Corp | 5.11% | 3.24% | 1.87% |
| AMZNAmazon.Com Inc | 3.41% | 4.19% | 0.78% |
| GOOGLAlphabet Inc | 2.70% | 3.85% | 1.15% |
| AVGOBroadcom Inc | 2.38% | 3.76% | 1.38% |
| MUMicron Technology, Inc. | 1.46% | 3.94% | 2.48% |
| TSLATesla Inc | 1.40% | 3.54% | 2.14% |
| METAMeta Platforms Inc | 1.70% | 3.18% | 1.48% |
| WMTWalmart, Inc. | 0.62% | 3.46% | 2.84% |
82.3% of WCAP 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, VTI or WCAP?
VTI has an expense ratio of 0.03% while WCAP charges 1.00%. VTI is the cheaper option, by $97 a year on a $10,000 investment.
Which performed better, VTI or WCAP?
Over the past year VTI returned +16.63% vs -4.83% for WCAP, so VTI leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +16.13% vs -6.82% for WCAP. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or WCAP?
VTI has been the more volatile fund at 12.6% annualized versus 12.2% for WCAP. Worst drawdown: VTI -8.9% vs WCAP -15.9%.
Should I hold both VTI and WCAP?
VTI and WCAP have a monthly-return correlation of 0.73, 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 VTI and WCAP?
82.3% of WCAP's money is in holdings VTI also owns. 82.3% of WCAP's is in holdings VTI also owns. They hold 35 positions in common, counted across the 3,441 positions we hold weights for in VTI and 40 in WCAP.
Which pays a higher dividend, VTI or WCAP?
VTI yields 1.06% while WCAP yields 0.04%, so VTI currently pays the higher dividend yield.
Is WCAP better than VTI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 44.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.