HOMZ vs. VTI

Last updated Jun 24, 2026

HOMZ (Hoya Capital Housing ETF) and VTI (Vanguard Total Stock Market ETF) are both exchange-traded funds - HOMZ is a Building & Construction fund tracking the Hoya Capital Housing 100 Index, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Both are passively managed. Over the past 5 years, HOMZ returned 4.57%/yr vs 11.90%/yr for VTI. A 0.76 correlation means they provide meaningful diversification when combined. HOMZ charges 0.30%/yr vs 0.03%/yr for VTI.

Performance

HOMZ vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Hoya Capital Housing ETF (HOMZ) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, HOMZ achieves a 0.28% return, which is significantly lower than VTI's 8.82% return.

HOMZ

• 1D: 0.33%
• 1M: 3.28%
• YTD: 0.28%
• 6M: 0.11%
• 1Y: 6.45%
• 3Y*: 9.47%
• 5Y*: 4.57%
• 10Y*: —

VTI

• 1D: -1.39%
• 1M: -0.84%
• YTD: 8.82%
• 6M: 7.71%
• 1Y: 24.22%
• 3Y*: 20.62%
• 5Y*: 11.90%
• 10Y*: 15.14%

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

HOMZ vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
HOMZ Hoya Capital Housing ETF	0.28%	2.72%	9.49%	36.49%	-28.14%	41.02%	15.80%	17.38%
VTI Vanguard Total Stock Market ETF	8.82%	17.10%	23.81%	26.05%	-19.52%	25.68%	21.08%	14.60%

Correlation

The correlation between HOMZ and VTI is 0.50, 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	0.50
Correlation (3Y) Calculated over the trailing 3-year period	0.65
Correlation (5Y) Calculated over the trailing 5-year period	0.75
Correlation (All Time) Calculated using the full available price history since Mar 20, 2019	0.76

Over the past year, the correlation between HOMZ and VTI has dropped to 0.50 - well below their long-term average of 0.76, suggesting their price drivers have been diverging.

HOMZ vs. VTI - Sectors Allocation Comparison

Sectors	HOMZ	VTI
Real Estate	38.9%	2.3%
Consumer Cyclical	34.7%	9.7%
Industrials	10.1%	9.4%
Financial Services	9.5%	11.3%
Basic Materials	3.9%	1.9%
Technology	1.3%	37.0%
Consumer Defensive	0.8%	4.3%
Communication Services	0.6%	9.8%
Energy	-	3.3%
Healthcare	-	9.0%
Utilities	-	2.1%

Return for Risk

HOMZ vs. VTI — Risk / Return Rank

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

HOMZ

HOMZ Risk / Return Rank: 13
HOMZ Sharpe Ratio Rank: 14
HOMZ Sortino Ratio Rank: 14
HOMZ Omega Ratio Rank: 13
HOMZ Calmar Ratio Rank: 13
HOMZ Martin Ratio Rank: 13

VTI

VTI Risk / Return Rank: 59
VTI Sharpe Ratio Rank: 58
VTI Sortino Ratio Rank: 56
VTI Omega Ratio Rank: 57
VTI Calmar Ratio Rank: 57
VTI Martin Ratio Rank: 68

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.

HOMZ vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Hoya Capital Housing ETF (HOMZ) 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.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	HOMZ	VTI	Difference
Sharpe ratio: Return per unit of total volatility	0.33	1.90	-1.57
Sortino ratio: Return per unit of downside risk	0.66	2.59	-1.93
Omega ratio: Gain probability vs. loss probability	1.07	1.34	-0.27
Calmar ratio: Return relative to maximum drawdown	0.39	2.73	-2.34
Martin ratio: Return relative to average drawdown	0.85	12.14	-11.29

HOMZ vs. VTI - Sharpe Ratio Comparison

The current HOMZ Sharpe Ratio is 0.33, which is lower than the VTI Sharpe Ratio of 1.90. The chart below compares the historical Sharpe Ratios of HOMZ 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.

Drawdowns

HOMZ vs. VTI - Drawdown Comparison

The maximum HOMZ drawdown since its inception was -48.10%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for HOMZ and VTI.

Drawdown Indicators

	HOMZ	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-48.10%	-55.45%	+7.35%
Max Drawdown (1Y) Largest decline over 1 year	-16.71%	-8.92%	-7.79%
Max Drawdown (3Y) Largest decline over 3 years	-22.91%	-19.30%	-3.61%
Max Drawdown (5Y) Largest decline over 5 years	-33.76%	-25.36%	-8.40%
Max Drawdown (10Y) Largest decline over 10 years	—	-35.00%	—
Current Drawdown Current decline from peak	-9.40%	-2.85%	-6.55%
Average Drawdown Average peak-to-trough decline	-9.73%	-8.01%	-1.72%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.64%	2.00%	+5.64%

Volatility

HOMZ vs. VTI - Volatility Comparison

Hoya Capital Housing ETF (HOMZ) has a higher volatility of 5.22% compared to Vanguard Total Stock Market ETF (VTI) at 4.95%. This indicates that HOMZ's price experiences larger fluctuations and is considered to be riskier than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	HOMZ	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.22%	4.95%	+0.27%
Volatility (6M) Calculated over the trailing 6-month period	14.05%	10.05%	+4.00%
Volatility (1Y) Calculated over the trailing 1-year period	19.79%	12.83%	+6.96%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	21.55%	17.51%	+4.04%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	24.96%	18.32%	+6.64%

HOMZ vs. VTI - Expense Ratio Comparison

HOMZ has a 0.30% expense ratio, which is higher than VTI's 0.03% expense ratio.

Dividends

HOMZ vs. VTI - Dividend Comparison

HOMZ's dividend yield for the trailing twelve months is around 2.67%, more than VTI's 1.04% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
HOMZ Hoya Capital Housing ETF	2.67%	2.54%	2.13%	2.08%	2.03%	1.21%	3.18%	1.24%	0.00%	0.00%	0.00%	0.00%
VTI Vanguard Total Stock Market ETF	1.04%	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 HOMZ and VTI in my portfolio?

HOMZ and VTI have a correlation of 0.50, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, HOMZ or VTI?

HOMZ has higher volatility (5.22%) compared to VTI (4.95%). In terms of maximum drawdown, HOMZ dropped -48.10% vs VTI's -55.45%.

Which ETF is better, HOMZ or VTI?

On 5-year performance, VTI leads with 11.90% vs 4.57% for HOMZ. On fees, VTI is cheaper at 0.03% per year. On volatility, VTI has been the lower-risk option at 4.95%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, HOMZ or VTI?

Over the 5-year period, VTI has performed better with a 11.90% return vs 4.57%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, HOMZ or VTI?

VTI is cheaper with a 0.03% expense ratio, compared with 0.30% for HOMZ.

Which ETF pays a higher dividend yield, HOMZ or VTI?

HOMZ has the higher dividend yield at 2.67%, compared with 1.04% for VTI.

What is the main difference between HOMZ and VTI?

HOMZ is categorized as Building & Construction, while VTI is Large Cap Blend Equities. HOMZ tracks Hoya Capital Housing 100 Index, while VTI tracks CRSP US Total Market Index. They also come from different issuers: Pettee Investors and Vanguard. Their fees differ too: 0.30% for HOMZ and 0.03% for VTI.

Which has better risk-adjusted returns?

VTI currently has the higher Sharpe Ratio (1.90 vs 0.33), 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.