GDIIX vs. VTI

Last updated Jun 4, 2026

GDIIX (Genter Dividend Income Fund) and VTI (Vanguard Total Stock Market ETF) are both funds - GDIIX is a Large Cap Value Equities fund managed by Genter Capital Management, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Over the past 10 years, GDIIX returned 11.50%/yr vs 15.05%/yr for VTI. Their correlation of 0.85 suggests significant overlap in exposure. GDIIX charges 1.25%/yr vs 0.03%/yr for VTI.

Performance

GDIIX vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Genter Dividend Income Fund (GDIIX) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both stocks are quite close, with GDIIX having a 11.60% return and VTI slightly lower at 11.20%. Over the past 10 years, GDIIX has underperformed VTI with an annualized return of 11.50%, while VTI has yielded a comparatively higher 15.05% annualized return.

GDIIX

• 1D: 0.67%
• 1M: 1.22%
• YTD: 11.60%
• 6M: 12.41%
• 1Y: 24.63%
• 3Y*: 17.82%
• 5Y*: 10.34%
• 10Y*: 11.50%

VTI

• 1D: -0.72%
• 1M: 4.99%
• YTD: 11.20%
• 6M: 11.09%
• 1Y: 28.18%
• 3Y*: 22.07%
• 5Y*: 12.69%
• 10Y*: 15.05%

*Multi-year figures are annualized to reflect compound growth (CAGR)

GDIIX vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
GDIIX Genter Dividend Income Fund	11.60%	16.34%	16.24%	5.64%	-1.16%	24.81%	-0.78%	27.62%	-8.45%	18.33%
VTI Vanguard Total Stock Market ETF	11.20%	17.10%	23.81%	26.05%	-19.52%	25.68%	21.08%	30.67%	-5.23%	21.21%

Correlation

The correlation between GDIIX and VTI is 0.52, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.52
Correlation (3Y) Calculated over the trailing 3-year period	0.62
Correlation (5Y) Calculated over the trailing 5-year period	0.72
Correlation (10Y) Calculated over the trailing 10-year period	0.78
Correlation (All Time) Calculated using the full available price history since Jan 5, 2009	0.85

Over the past year, the correlation between GDIIX and VTI has dropped to 0.52 - well below their long-term average of 0.85, suggesting their price drivers have been diverging.

Return for Risk

GDIIX vs. VTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

GDIIX

GDIIX Risk / Return Rank: 74
GDIIX Sharpe Ratio Rank: 73
GDIIX Sortino Ratio Rank: 74
GDIIX Omega Ratio Rank: 62
GDIIX Calmar Ratio Rank: 84
GDIIX Martin Ratio Rank: 75

VTI

VTI Risk / Return Rank: 68
VTI Sharpe Ratio Rank: 69
VTI Sortino Ratio Rank: 68
VTI Omega Ratio Rank: 67
VTI Calmar Ratio Rank: 62
VTI Martin Ratio Rank: 75

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

GDIIX vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Genter Dividend Income Fund (GDIIX) and Vanguard Total Stock Market ETF (VTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	GDIIX	VTI	Difference
Sharpe ratio Return per unit of total volatility	2.50	2.33	+0.17
Sortino ratio Return per unit of downside risk	3.61	3.18	+0.42
Omega ratio Gain probability vs. loss probability	1.44	1.42	+0.02
Calmar ratio Return relative to maximum drawdown	3.99	3.17	+0.81
Martin ratio Return relative to average drawdown	14.16	14.62	-0.47
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

GDIIX vs. VTI - Sharpe Ratio Comparison

The current GDIIX Sharpe Ratio is 2.50, which is comparable to the VTI Sharpe Ratio of 2.33. The chart below compares the historical Sharpe Ratios of GDIIX and VTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	GDIIX	VTI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.50	2.33	+0.17
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.76	0.73	+0.02
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.70	0.82	-0.13
Sharpe Ratio (All Time) Calculated using the full available price history	0.68	0.51	+0.17

Drawdowns

GDIIX vs. VTI - Drawdown Comparison

The maximum GDIIX drawdown since its inception was -37.24%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for GDIIX and VTI.

Drawdown Indicators

	GDIIX	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-37.24%	-55.45%	+18.21%
Max Drawdown (1Y) Largest decline over 1 year	-6.41%	-8.92%	+2.51%
Max Drawdown (3Y) Largest decline over 3 years	-13.50%	-19.30%	+5.80%
Max Drawdown (5Y) Largest decline over 5 years	-17.88%	-25.36%	+7.48%
Max Drawdown (10Y) Largest decline over 10 years	-37.24%	-35.00%	-2.24%
Current Drawdown Current decline from peak	-1.15%	-0.72%	-0.43%
Average Drawdown Average peak-to-trough decline	-4.04%	-8.03%	+3.99%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.80%	1.93%	-0.13%

Volatility

GDIIX vs. VTI - Volatility Comparison

The current volatility for Genter Dividend Income Fund (GDIIX) is 2.52%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 2.96%. This indicates that GDIIX experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	GDIIX	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.52%	2.96%	-0.44%
Volatility (6M) Calculated over the trailing 6-month period	7.52%	9.13%	-1.61%
Volatility (1Y) Calculated over the trailing 1-year period	10.23%	12.17%	-1.94%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	13.73%	17.40%	-3.67%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.55%	18.30%	-1.75%

GDIIX vs. VTI - Expense Ratio Comparison

GDIIX has a 1.25% expense ratio, which is higher than VTI's 0.03% expense ratio.

Dividends

GDIIX vs. VTI - Dividend Comparison

GDIIX's dividend yield for the trailing twelve months is around 4.21%, more than VTI's 1.01% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
GDIIX Genter Dividend Income Fund	4.21%	4.79%	9.73%	2.66%	5.24%	4.07%	2.27%	8.01%	13.52%	10.01%	4.47%	1.89%
VTI Vanguard Total Stock Market ETF	1.01%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both GDIIX and VTI in my portfolio?

GDIIX and VTI have a correlation of 0.52, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, GDIIX or VTI?

VTI has higher volatility (2.96%) compared to GDIIX (2.52%). In terms of maximum drawdown, GDIIX dropped -37.24% vs VTI's -55.45%.

Which has better risk-adjusted returns?

GDIIX currently has the higher Sharpe Ratio (2.50 vs 2.33), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.