VTI vs DIA ETF Comparison
Compare VTI and DIA across fund costs, diversification, holdings, performance, income, risk and current AlgovestIQ evidence.
What is the main difference between VTI and DIA?
VTI is Vanguard Morningstar Total Stock Market ETF, while DIA is State Street SPDR Dow Jones Industrial Average ETF Trust. VTI is tied to Large Cap Equity; DIA is tied to Equity. VTI is broader by holdings count, with 3,482 positions versus 30 for DIA. DIA is more concentrated at the top, based on top-10 holdings weight.
| Metric | VTI | DIA | Type |
|---|---|---|---|
| Expense ratio | 0.03% | 0.16% | Fund |
| Assets under management | $2.30T | $46.1B | Fund |
| Holdings | 3,482 | 30 | Fund |
| Top-10 concentration | 51.4% | 93.7% | Fund |
| Average volume | 4,488,042 | 3,347,137 | Fund |
| Underlying exposure | Large Cap Equity | Equity | Fund |
| 1Y return | +20.6% | +18.4% | Performance |
| YTD return | +13.6% | +11.7% | Performance |
| Annualized volatility | 13.1% | 12.5% | Risk |
| Max drawdown | -9.2% | -10.1% | Risk |
| Beta | 1.02 | 0.82 | Risk |
| Sharpe ratio | 1.17 | 1.11 | Risk |
| Sortino ratio | 1.68 | 1.73 | Risk |
| AIQ Score | 60/100 | 60/100 | AlgovestIQ |
| AIQ Edge Score | 8/10 | 8/10 | AlgovestIQ |
| Momentum | 55/100 | 60/100 | AlgovestIQ |
| Risk Resilience | 88/100 | 84/100 | AlgovestIQ |
AlgovestIQ AIQ Comparison
Vanguard Morningstar Total Stock Market ETF vs State Street SPDR Dow Jones Industrial Average ETF Trust
VTI and DIA are effectively level
VTI and DIA are effectively level on the AIQ Score; the factor table below shows where each one holds its advantage.
Vanguard Morningstar Total Stock Market ETF
State Street SPDR Dow Jones Industrial Average ETF Trust
The Algovestiq AIQ Score does not currently separate VTI and DIA as of Sep 5, 2026. Both names are scored on the same 0–100 scale across Quality, Value, Momentum and Risk Resilience, and the factor table below shows where each one holds its advantage.
Compare Vanguard Morningstar Total Stock Market ETF and State Street SPDR Dow Jones Industrial Average ETF Trust across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
Compare VTI and DIA 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.
- Quality30%74 vs 68VTI +6
- Momentum25%55 vs 60DIA +5
- Risk Resilience15%88 vs 84VTI +4
- Value30%37 vs 40Even
Neither name separates cleanly on the covered dimensions.
What changed since the last close
Latest scored session 2026-09-04, compared against the prior scored session 2026-09-03.
Largest factor move: Value -1
No new signals fired.
Largest factor move: Value -1
No new signals fired.
VTI's lead narrowed by 1 AIQ points in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — VTI and DIA both carry a full feed there.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
EvenNeither separates on the overall score.
Growth
EvenGrowth figures are not covered for both names.
Value
EvenThe two are level on Value.
Momentum
DIADIA on the Momentum factor, by 5 points.
Lower downside
VTIVTI on Risk Resilience, by 4 points.
Analyst upside
EvenAnalyst targets are level or not covered for both names.
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 | VTI | DIA | Why it matters |
|---|---|---|---|
| Expense ratio | 0.03% | 0.16% | Lower is better — it compounds against you every year you hold. |
| Assets under management | $2.30T | $46.1B | Larger funds generally carry tighter spreads. |
| Holdings | 3,598 | 30 | More holdings means broader diversification, not better returns. |
| Average volume | 4,488,042 | 3,347,137 | Liquidity — matters most if you trade size. |
| Annualized volatility | 13.1% | 12.5% | Lower is a steadier ride for the same exposure. |
| Max drawdown | -9.2% | -10.1% | The worst peak-to-trough loss on record for the fund. |
| Sharpe ratio | 1.17 | 1.11 | Return per unit of risk. Higher is better. |
| Beta | 1.02 | 0.82 | Sensitivity to the broad market. Neither direction is better — it depends on the role in your portfolio. |
Where the exposure actually sits
VTI and DIA share 44.13% of their weighted exposure across 30 common holdings.
DIA is the more concentrated of the two: its ten largest positions are 93.65% of the fund, against 51.44% for VTI (30 holdings vs 3482). Concentration cuts both ways — it is what drives outperformance when the top names work, and what makes the drawdown deeper when they do not.
3452 holdings are unique to VTI and 0 to DIA. Owning both is a partial overlap: a majority of the capital is distinct, but the largest positions are shared.
Largest shared positions
| Holding | VTI | DIA | Shared |
|---|---|---|---|
| MSFTMICROSOFT CORP | 9.57% | 11.28% | 9.57% |
| AAPLAPPLE INC | 12.58% | 7.26% | 7.26% |
| AMZNAMAZON.COM INC | 7.29% | 5.73% | 5.73% |
| GOOGLALPHABET INC CL A | 2.9% | 3.79% | 2.9% |
| NVDANVIDIA CORP | 6.4% | 2.53% | 2.53% |
| JNJJOHNSON + JOHNSON | 1.71% | 6.16% | 1.71% |
| WMTWALMART INC | 1.35% | 2.4% | 1.35% |
| JPMJPMORGAN CHASE + CO | 1.31% | 4% | 1.31% |
Shared weight is the lower of the two positions — the portion of capital both funds genuinely have in the same security.
ETF comparison questions
Short answers to the fund-specific questions behind this comparison.
Which ETF is more diversified, VTI or DIA?
VTI currently has more reported holdings, with 3,482 positions versus 30.
Which has the lower expense ratio?
VTI has the lower reported expense ratio in the current fund profile.
Which ETF has the higher distribution yield?
The current dataset does not show a higher-yield winner.
Which ETF has been more volatile?
VTI has the higher annualized volatility in the current risk snapshot.
Which ETF has had the smaller drawdown?
VTI has the less severe max drawdown in the current risk snapshot.
Which ETF has the stronger current AlgovestIQ evidence?
The current AlgovestIQ evidence does not show a clear leader.
AIQ Agreement Matrix
How each independent group of evidence reads the pair.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 60 vs 60 |
| Fundamentals | Not covered | Not covered |
| Valuation | Even | Value 37 vs 40 |
| Technicals | Even | Price vs 50-day 1.7% vs 1%; vs 200-day 8.5% vs 7.8% |
| Risk Resilience | VTI | Risk Resilience 88 vs 84 |
| Analyst expectations | Not covered | Not covered |
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is narrow at 0 points. (argues the conclusion is provisional)
- 5 of 4 covered evidence groups point the same way. (supports the conclusion holding)
- The lead has been steady session to session. (supports the conclusion holding)
How the comparison changed
120 daily snapshots · Apr 23 – Sep 4VTI lead: Stable — the AIQ differential has held near 0 points over 30 sessions.
- Today
- Level
- 60 vs 60
- 7 sessions ago
- VTI +2
- 60 vs 58
- 30 sessions ago
- VTI +2
- 66 vs 64
- 90 sessions ago
- Level
- 64 vs 64
The lead changed hands 4 times in this window, most recently on Jul 31 when VTI moved ahead of DIA.
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.
4 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (6.40%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- 52-Week High Proximity — bullish, risk, long horizon (1.0%)
4 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (6.09%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- 52-Week High Proximity — bullish, risk, long horizon (1.7%)
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 down over the latest session (price -0.32%, AIQ -1 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.53%, AIQ 0 points).
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
VTI leads 4 of 6 windows| Metric | VTI | DIA |
|---|---|---|
| 1 week (5 sessions) | 0.1% | 0.3% |
| 1 month (20 sessions) | 0.5% | -0.2% |
| 3 months (63 sessions) | 2% | 3.9% |
| 6 months (126 sessions) | 13.4% | 11.9% |
| Year to date | 13.6% | 11.7% |
| 1 year (252 sessions) | 20.6% | 18.4% |
Technicals
Split| Metric | VTI | DIA |
|---|---|---|
| RSI (14) | 44.5 | 50.2 |
| ADX (14) | 13.3 | 12.7 |
| Price vs 50-day | 1.7% | 1% |
| Price vs 200-day | 8.5% | 7.8% |
| Volatility (1M, annualized) | 8.8% | 8.8% |
Risk
VTI is the more resilient| Metric | VTI | DIA |
|---|---|---|
| Beta | 1.02 | 0.82 |
| Sharpe ratio | 1.17 | 1.11 |
| Sortino ratio | 1.68 | 1.73 |
| Max drawdown | -9.2% | -10.1% |
| Current drawdown | -0.9% | -1.1% |
| Annualized volatility | 13.1% | 12.5% |
| Value at risk (95%) | -1.4% | -1.2% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better value, VTI or DIA?
Neither name separates on the peer-relative Value factor. The two are level on Value. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, VTI or DIA?
Growth figures are not covered for both names. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, VTI or DIA?
DIA on the Momentum factor, by 5 points. Momentum carries 25% of the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, VTI or DIA?
VTI is the more resilient of the two, so the other name carries the higher downside risk. VTI on Risk Resilience, by 4 points. The Risk Resilience factor weights 15% of the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is VTI more profitable than DIA?
Margin data is not comparable for both names in the current snapshot.
What do the current signals say about VTI and DIA?
VTI: 4 bullish / 1 bearish / 1 neutral, conflicted. DIA: 4 bullish / 1 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on VTI is Golden Cross Active (bullish, long horizon). On DIA it is Golden Cross Active (bullish, long horizon).
Compare VTI and DIA with others
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality (30%), Value (30%), Momentum (25%) and Risk (15%). 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.