DIA vs VT: Performance, Holdings, Fees & Risk
DIA and VT are ETFs, but they can differ materially in exposure, yield, fees and risk. DIA is State Street SPDR Dow Jones Industrial Average ETF Trust, while VT is Vanguard Total World Stock ETF. VT is broader by holdings count, with 10,099 positions versus 31 for DIA. DIA is more concentrated at the top, based on top-10 holdings weight. Current AlgovestIQ evidence has DIA ahead on AIQ Score, 68 versus 60.
What is the main difference between DIA and VT?
VT holds 10,099 positions to DIA's 31, and 20% of their weight is in the same securities.
| Metric | DIA | VT |
|---|---|---|
| Fund | ||
| Expense ratio | 0.16% | 0.06% |
| Holdings | 31 | 10,099 |
| Top-10 concentration | 55.1% | 21.2% |
| Distribution yieldTrailing 12 months | 1.37% | 1.53% |
| Average volume | 3,785,458 | 2,761,894 |
| Performance | ||
| 1Y return | +14.1% | +14.6% |
| YTD return | +9.1% | +11.9% |
| 5Y annualized returnTotal return, distributions reinvested | +9.9% | +10.3% |
| Risk | ||
| Annualized volatility | 12.7% | 14% |
| Max drawdown (1Y) | -10.1% | -9.9% |
| Max drawdown (5Y)Total return, distributions reinvested | -20.8% | -26.4% |
| Beta | 0.83 | 1.06 |
| Sharpe ratio | 0.76 | 0.75 |
| Sortino ratio | 1.25 | 1.16 |
| AlgovestIQ | ||
| AIQ Score | 68/100 | 60/100 |
| AIQ Edge Score | 10/10 | 8/10 |
| Momentum | 84/100 | 47/100 |
| Risk Resilience | 82/100 | 85/100 |
AlgovestIQ AIQ Comparison
State Street SPDR Dow Jones Industrial Average ETF Trust vs Vanguard Total World Stock ETF
DIA leads
DIA leads by 8 AIQ points, primarily on Momentum, having only recently taken the lead back from VT.
Fragile: 1 of 4 evidence groups support DIA, the lead recently changed hands, and its current signal state is conflicted.
State Street SPDR Dow Jones Industrial Average ETF Trust
Vanguard Total World Stock ETF
The Algovestiq AIQ Score currently favors DIA over VT, 68 versus 60 as of Oct 21, 2026. DIA's advantage is driven primarily by stronger momentum. DIA also shows the stronger technical structure relative to its 50-day moving average. 1 of 4 covered evidence groups favor DIA today, and the comparison is rated Fragile on stability: only 1 of 4 covered evidence groups agree. DIA lead: Reversed — VT led by 4 AIQ points 30 sessions ago; DIA now leads by 8.
Compare State Street SPDR Dow Jones Industrial Average ETF Trust and Vanguard Total World Stock ETF across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
DIA vs VT: which fits what
Each row is settled by a single measure. Where the gap is too small to matter it reads Similar, and no row decides the comparison as a whole.
| If you want | DIA | VT | Fits |
|---|---|---|---|
| Lower costExpense ratio | 0.16% | 0.06% | VT |
| Broader diversificationNumber of holdings | 31 | 10,099 | VT |
| Lower concentrationWeight of the 10 largest holdings | 55.1% | 21.2% | VT |
| Higher incomeTrailing 12-month distribution yield | 1.37% | 1.53% | Similar |
| Smaller drawdownsMax drawdown, 5 years | -20.8% | -26.4% | DIA |
| Lower volatilityAnnualized volatility, 1 year | 12.7% | 14% | DIA |
Similar means the gap is within 0.01 percentage points of expense ratio, 25% more holdings, 3 points of top-10 weight, 0.2 points of yield, 2 points of drawdown or 1 point of volatility. Past drawdowns and volatility describe the funds’ history, not their future.
Performance over time
Total return with distributions reinvested, from daily closes for both ETFs.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare DIA and VT against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Momentum84 vs 47DIA +37
- Risk Resilience82 vs 85Even
- Value47 vs 49Even
- Quality67 vs 68Even
1 of 4 evidence groups favor DIA. DIA’s edge is concentrated in momentum.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +23
New signals
- BB Upper Band Breach — bearish, volatility, short horizon
- RSI Overbought — bearish, momentum, short horizon
- Uptrend Structure Active — bullish, trend, long horizon
Largest factor move: Momentum +4
No signal started or stopped since the prior session; its 5 active signals are unchanged.
DIA's lead widened by 5 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — DIA and VT both carry a full feed there.
Fund facts, side by side
Two funds tracking overlapping universes are separated by cost and risk far more than by holdings. Those lead here.
| Measure | DIA | VT | Why it matters |
|---|---|---|---|
| Expense ratio | 0.16% | 0.06% | Lower is better — it compounds against you every year you hold. |
| Holdings | 31 | 10,099 | More holdings means broader diversification, not better returns. |
| Average volume | 3,785,458 | 2,761,894 | Liquidity — matters most if you trade size. |
| Annualized volatility | 12.7% | 14% | Lower is a steadier ride for the same exposure. |
| Max drawdown (1Y) | -10.1% | -9.9% | The worst peak-to-trough loss over the past year. |
| Sharpe ratio | 0.76 | 0.75 | Return per unit of risk. Higher is better. |
| Beta | 0.83 | 1.06 | Sensitivity to the broad market. Neither direction is better — it depends on the role in your portfolio. |
Where the exposure actually sits
Sector exposure for each fund, ordered by the size of the difference.
How much of the same holdings they own
DIA and VT share 19.62% of their weighted exposure across 30 common holdings.
Every DIA holding is also in VT, and 9,571 holdings are unique to VT. Owning both is genuinely additive — most of the capital sits in different securities.
DIA is the more concentrated of the two: its ten largest positions are 55.07% of the fund, against 21.22% for VT (31 holdings vs 10,099). Concentration cuts both ways — it is what drives outperformance when the top names work, and what makes the drawdown deeper when they do not.
Largest shared positions
| Holding | DIA | VT | Shared |
|---|---|---|---|
| AAPLApple Inc | 3.72% | 3.82% | 3.72% |
| MSFTMICROSOFT CORP | 5.61% | 2.96% | 2.96% |
| NVDANVIDIA Corp | 2.49% | 4.01% | 2.49% |
| AMZNAMAZON.COM INC | 2.87% | 2.25% | 2.25% |
| GOOGLALPHABET INC CL A | 3.79% | 1.81% | 1.81% |
| JPMJPMORGAN CHASE + CO | 4.03% | 0.81% | 0.81% |
| JNJJOHNSON + JOHNSON | 3.03% | 0.53% | 0.53% |
| VVISA INC CLASS A SHARES | 4.18% | 0.52% | 0.52% |
Shared weight is the lower of the two positions — the portion of capital both funds genuinely have in the same security.
What DIA adds that VT doesn’t
| Holding | DIA | VT |
|---|---|---|
| GSGOLDMAN SACHS GROUP INC | 11.61% | 0.24% |
| CATCATERPILLAR INC | 9.17% | 0.32% |
| UNHUNITEDHEALTH GROUP INC | 4.42% | 0.32% |
| AMGNAMGEN INC | 4.36% | 0.18% |
| TRVTRAVELERS COS INC/THE | 4.19% | 0.07% |
| VVISA INC CLASS A SHARES | 4.18% | 0.52% |
What VT adds that DIA doesn’t
| Holding | VT | DIA |
|---|---|---|
| AVGOBroadcom Inc | 1.55% | Not held |
| 2330.TWTaiwan Semiconductor Manufacturing Co Ltd | 1.54% | Not held |
| GOOGAlphabet Inc | 1.42% | Not held |
| METAMeta Platforms Inc | 1.05% | Not held |
| MUMicron Technology Inc | 0.79% | Not held |
| LLYEli Lilly & Co | 0.79% | Not held |
Each list is a fund’s largest positions by weight that the other fund does not hold, or holds at less than half the weight.
DIA vs VT: five-year payout growth
VT grew its split-adjusted payout faster over 2020-2025 — 10.87% a year against DIA's 3.73%. DIA never reduced its annual distribution in the window; VT did in 1 year. VT: The 2020 payout was 18.2% below 2019, so the growth rate measures a recovery from a weak starting year.
| Dividend metric | DIA | VT |
|---|---|---|
| 5Y payout CAGR | 3.73% | 10.87% |
| 2020 annual payout | $5.728 | $1.536 |
| 2025 annual payout | $6.879 | $2.573 |
| Calendar-year declines | 0 | 1 |
| Peer rank | #111 of 138 | #54 of 138 |
Split-adjusted annual distributions, 2020–2025. Research as of Sep 19, 2026. Yield and expense ratio above are current values, not part of this window.
AIQ Agreement Matrix
1 of 4 covered evidence groups favor DIA. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | DIA | 68 vs 60 |
| Fundamentals | Not covered | Not covered |
| Valuation | Even | Value 47 vs 49 |
| Technicals | Even | Price vs 50-day 0.8% vs -0.7%; vs 200-day 3.9% vs 3.6% |
| Risk Resilience | Even | Risk Resilience 82 vs 85 |
| Analyst expectations | Not covered | Not covered |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of DIA and VT and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is moderate at 8 points.
- Only 1 of 4 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on DIA.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20DIA lead: Reversed — VT led by 4 AIQ points 30 sessions ago; DIA now leads by 8.
- Today
- DIA +8
- 68 vs 60
- 7 sessions ago
- DIA +3
- 61 vs 58
- 30 sessions ago
- VT +4
- 55 vs 59
- 90 sessions ago
- VT +5
- 61 vs 66
The lead changed hands 8 times in this window, most recently on Oct 12 when DIA moved ahead of VT.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
3 bullish / 2 bearish / 1 neutral, conflicted
Only DIA
- BB Upper Band Breach — bearish, volatility, short horizon
- RSI Overbought — bearish, momentum, short horizon
- Uptrend Structure Active — bullish, trend, long horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
2 bullish / 1 bearish / 2 neutral, conflicted
Only VT
- Bollinger Band Squeeze — neutral, volatility, short horizon
- 52-Week High Proximity — bullish, risk, long horizon (2.6%)
- MACD Bearish Crossover — bearish, momentum, short horizon
Both carry 2 more signals that do not separate them: Golden Cross Active, ATR Contraction - Coiling.
DIA leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +0.64%, AIQ +6 points).
Price and the AIQ Score both moved up over the latest session (price +0.5%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1VT closes the Momentum gap — currently 37 points behind, the largest single contributor to DIA's edge.
- 2VT's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3DIA's conflicting signal state resolves bearish — it currently carries 3 bullish and 2 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Performance
Split across windows| Metric | DIA | VT |
|---|---|---|
| 1 week (5 sessions) | 1.6% | -1.2% |
| 1 month (20 sessions) | 1.2% | -2.1% |
| 3 months (63 sessions) | 0.6% | 1.1% |
| 6 months (126 sessions) | 6.7% | 6.1% |
| Year to date | 9.1% | 11.9% |
| 1 year (252 sessions) | 14.1% | 14.6% |
Technicals
Split| Metric | DIA | VT |
|---|---|---|
| RSI (14) | 74.7 | 49.8 |
| ADX (14) | 19.1 | 16.6 |
| Price vs 50-day | 0.8% | -0.7% |
| Price vs 200-day | 3.9% | 3.6% |
| Volatility (1M, annualized) | 9.7% | 10.2% |
Risk
Split| Metric | DIA | VT |
|---|---|---|
| Beta | 0.83 | 1.06 |
| Sharpe ratio | 0.76 | 0.75 |
| Sortino ratio | 1.25 | 1.16 |
| Max drawdown | -10.1% | -9.9% |
| Current drawdown | -3.4% | -2.8% |
| Annualized volatility | 12.7% | 14% |
| Value at risk (95%) | -1.2% | -1.4% |
Straight answers
Short answers to the questions fund investors ask about this pair, from the figures above.
What is the difference between DIA and VT?
VT holds 10,099 positions to DIA's 31, and 20% of their weight is in the same securities.
How much do DIA and VT overlap?
DIA and VT share 19.62% of their weighted exposure across 30 common holdings. Every DIA holding is also in VT, and 9,571 holdings are unique to VT. Owning both is genuinely additive — most of the capital sits in different securities.
Which ETF is more diversified, DIA or VT?
VT holds more positions: 10,099 versus 31 for DIA.
Which has the lower expense ratio?
VT has the lower expense ratio, 0.06% a year against 0.16% for DIA.
Which ETF has the higher distribution yield?
Their trailing 12-month distribution yields are similar: 1.37% for DIA and 1.53% for VT.
Which ETF has been more volatile?
VT has been more volatile over the past year, at 14% annualized against 12.7% for DIA.
Which ETF has had the smaller drawdown?
DIA fell less from peak to trough over the past five years: -20.8% against -26.4% for VT.
Compare DIA and VT with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.