UDIV vs. VTI

Last updated Jun 4, 2026

UDIV (Franklin U.S. Core Dividend Tilt Index ETF) and VTI (Vanguard Total Stock Market ETF) are both exchange-traded funds - UDIV is a Dividend fund tracking the Linked Morningstar US Dividend Enhanced Select 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, UDIV returned 14.04%/yr vs 12.69%/yr for VTI. Their correlation of 0.84 suggests significant overlap in exposure. UDIV charges 0.06%/yr vs 0.03%/yr for VTI.

Performance

UDIV vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Franklin U.S. Core Dividend Tilt Index ETF (UDIV) 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, UDIV achieves a 14.99% return, which is significantly higher than VTI's 11.20% return.

UDIV

• 1D: -0.69%
• 1M: 6.05%
• YTD: 14.99%
• 6M: 14.91%
• 1Y: 33.63%
• 3Y*: 24.66%
• 5Y*: 14.04%
• 10Y*: —

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)

UDIV vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
UDIV Franklin U.S. Core Dividend Tilt Index ETF	14.99%	19.00%	25.61%	25.21%	-15.00%	19.66%	5.54%	24.60%	-8.83%	17.44%
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 UDIV and VTI is 0.98 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.98
Correlation (3Y) Calculated over the trailing 3-year period	0.98
Correlation (5Y) Calculated over the trailing 5-year period	0.93
Correlation (All Time) Calculated using the full available price history since Jun 6, 2016	0.84

The correlation between UDIV and VTI shifts across timeframes, from 0.84 (all time) to 0.98 (3 years), reflecting how their relationship changes across market environments.

UDIV vs. VTI - Sectors Allocation Comparison

Sectors	UDIV	VTI
Technology	39.0%	33.5%
Financial Services	11.3%	12.0%
Communication Services	10.7%	10.3%
Consumer Cyclical	8.7%	10.0%
Healthcare	7.4%	9.2%
Industrials	5.8%	9.8%
Consumer Defensive	5.7%	4.7%
Energy	3.7%	3.7%
Real Estate	3.7%	2.4%
Utilities	3.0%	2.3%
Basic Materials	0.8%	2.0%

Return for Risk

UDIV vs. VTI — Risk / Return Rank

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

UDIV

UDIV Risk / Return Rank: 83
UDIV Sharpe Ratio Rank: 85
UDIV Sortino Ratio Rank: 84
UDIV Omega Ratio Rank: 84
UDIV Calmar Ratio Rank: 78
UDIV Martin Ratio Rank: 86

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.

UDIV vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Franklin U.S. Core Dividend Tilt Index ETF (UDIV) 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.

	UDIV	VTI	Difference
Sharpe ratio: Return per unit of total volatility	2.83	2.33	+0.50
Sortino ratio: Return per unit of downside risk	3.81	3.18	+0.62
Omega ratio: Gain probability vs. loss probability	1.52	1.42	+0.10
Calmar ratio: Return relative to maximum drawdown	4.00	3.17	+0.83
Martin ratio: Return relative to average drawdown	18.28	14.62	+3.66
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UDIV vs. VTI - Sharpe Ratio Comparison

The current UDIV Sharpe Ratio is 2.83, which is comparable to the VTI Sharpe Ratio of 2.33. The chart below compares the historical Sharpe Ratios of UDIV 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

	UDIV	VTI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.83	2.33	+0.50
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.91	0.73	+0.18
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.82	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.74	0.51	+0.23

Drawdowns

UDIV vs. VTI - Drawdown Comparison

The maximum UDIV drawdown since its inception was -35.21%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for UDIV and VTI.

Drawdown Indicators

	UDIV	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-35.21%	-55.45%	+20.24%
Max Drawdown (1Y) Largest decline over 1 year	-8.44%	-8.92%	+0.48%
Max Drawdown (3Y) Largest decline over 3 years	-19.19%	-19.30%	+0.11%
Max Drawdown (5Y) Largest decline over 5 years	-23.18%	-25.36%	+2.18%
Max Drawdown (10Y) Largest decline over 10 years	-35.21%	-35.00%	-0.21%
Current Drawdown Current decline from peak	-0.69%	-0.72%	+0.03%
Average Drawdown Average peak-to-trough decline	-4.64%	-8.03%	+3.39%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.84%	1.93%	-0.09%

Volatility

UDIV vs. VTI - Volatility Comparison

Franklin U.S. Core Dividend Tilt Index ETF (UDIV) and Vanguard Total Stock Market ETF (VTI) have volatilities of 2.98% and 2.96%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UDIV	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.98%	2.96%	+0.02%
Volatility (6M) Calculated over the trailing 6-month period	8.99%	9.13%	-0.14%
Volatility (1Y) Calculated over the trailing 1-year period	11.95%	12.17%	-0.22%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.51%	17.40%	-1.89%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.27%	18.30%	-2.03%

UDIV vs. VTI - Expense Ratio Comparison

UDIV has a 0.06% expense ratio, which is higher than VTI's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

UDIV vs. VTI - Dividend Comparison

UDIV's dividend yield for the trailing twelve months is around 1.40%, more than VTI's 1.01% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
UDIV Franklin U.S. Core Dividend Tilt Index ETF	1.40%	1.53%	2.05%	1.91%	3.20%	2.97%	2.90%	3.40%	3.74%	3.47%	1.63%	0.00%
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 UDIV and VTI in my portfolio?

With a correlation of 0.98, UDIV and VTI move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, UDIV or VTI?

UDIV has higher volatility (2.98%) compared to VTI (2.96%). In terms of maximum drawdown, UDIV dropped -35.21% vs VTI's -55.45%.

Which ETF is better, UDIV or VTI?

On 5-year performance, UDIV leads with 14.04% vs 12.69% for VTI. On fees, VTI is cheaper at 0.03% per year. Their volatility is very similar. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, UDIV or VTI?

Over the 5-year period, UDIV has performed better with a 14.04% return vs 12.69%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, UDIV or VTI?

VTI is cheaper with a 0.03% expense ratio, compared with 0.06% for UDIV.

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

UDIV has the higher dividend yield at 1.40%, compared with 1.01% for VTI.

What is the main difference between UDIV and VTI?

UDIV is categorized as Dividend, while VTI is Large Cap Blend Equities. UDIV tracks Linked Morningstar US Dividend Enhanced Select Index, while VTI tracks CRSP US Total Market Index. They also come from different issuers: Franklin Templeton and Vanguard. Their fees differ too: 0.06% for UDIV and 0.03% for VTI.

Which has better risk-adjusted returns?

UDIV currently has the higher Sharpe Ratio (2.83 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.