What is the primary difference in investment focus between AVLV and VTI?

AVLV is categorised as a Large Value ETF, targeting companies that appear undervalued relative to their fundamentals. In contrast, VTI is a Large Blend ETF that covers the entire U.S. stock market, capturing a mix of growth and value stocks across all market capitalisations. While VTI seeks broad market exposure, AVLV focuses specifically on the value segment of large-cap companies. This fundamental difference in strategy drives the distinct performance characteristics and holdings seen in each fund.

How do the expense ratios of AVLV and VTI compare, and why do they differ?

AVLV has an expense ratio of 0.15%, whereas VTI charges 0.03%. VTI’s lower cost reflects its scale as a broad market index fund with $692.2 billion in net assets, allowing it to spread costs efficiently. AVLV, with $21.5 billion in assets, employs a more targeted value strategy that may require active management or specific screening, contributing to its higher fee. Over time, this 0.12 percentage point difference could impact net returns depending on fund performance.

What does the difference in dividend yields indicate for these two funds?

AVLV offers a dividend yield of 1.11%, while VTI provides a yield of 1.02%. The slightly higher yield in AVLV may reflect the nature of value-oriented large-cap stocks, which often pay regular dividends compared to high-growth tech firms. However, yields fluctuate based on market conditions and company policies. Investors should view these figures as current snapshots rather than guarantees, noting that both funds distribute dividends periodically to shareholders.

Which companies are common top holdings in both AVLV and VTI?

Both funds share five companies in their top ten holdings: Microsoft (MSFT), Meta Platforms (META), Micron Technology (MU), Amazon (AMZN), and Apple (AAPL). In AVLV, Microsoft holds a 3.30% weight, while in VTI it is 5.10%. This overlap suggests that certain large-cap leaders are prominent in both broad market and value segments. However, the remaining top holdings differ, reflecting AVLV’s specific value tilt and VTI’s broader market inclusion of stocks like NVIDIA and Tesla.

How do the top holdings of VTI differ from those of AVLV?

VTI’s top holdings are heavily weighted towards technology growth leaders, with NVIDIA at 6.87% and Apple at 6.30%. In contrast, AVLV’s largest positions include Microsoft at 3.30% and Meta at 3.24%, with significant weights in Micron and Amazon. Notably, NVIDIA and Tesla, which appear in VTI’s top ten, are absent from AVLV’s list, while AVLV includes established value sectors like energy (XOM) and consumer staples (COST, VZ) that are not prominent in VTI’s top holdings.

What are the inception dates and asset sizes of AVLV and VTI?

VTI was established on May 24, 2001, and currently manages $692.2 billion in net assets, reflecting its long history and widespread adoption as a core market fund. AVLV is significantly newer, with an inception date of September 21, 2021, and holds $21.5 billion in net assets. The vast difference in age and size indicates that VTI has a much longer track record and deeper liquidity, whereas AVLV is a younger fund focusing on a specific large-cap value strategy.

How does the scale of each fund affect its operational characteristics?

VTI’s substantial net assets of $692.2 billion allow for high liquidity and potentially tighter bid-ask spreads due to economies of scale, supporting its very low 0.03% expense ratio. AVLV, with $21.5 billion in assets, operates on a smaller scale but still maintains significant liquidity relative to many niche ETFs. The scale difference influences how easily investors can trade large blocks of shares without significantly impacting the price, with VTI generally offering greater depth in market transactions.

What sectors do these funds prioritise based on their available data?

Detailed sector weights are not available for either AVLV or VTI in the current dataset. However, by examining top holdings, VTI appears heavily concentrated in Information Technology and Communication Services, given the large weights of NVIDIA, Apple, Microsoft, and Alphabet. AVLV shows exposure to Technology, but also includes significant positions in Financials (JPM), Energy (XOM), and Consumer Staples (COST, VZ), suggesting a more diversified sector allocation typical of value-oriented strategies compared to VTI’s growth-heavy weighting.

How does the market capitalisation focus distinguish AVLV from VTI?

AVLV is categorised as Large Value, focusing exclusively on companies with large market capitalisations that exhibit value characteristics. VTI is categorised as Large Blend but tracks the total stock market, which includes large, mid, and small-cap companies. Therefore, VTI offers exposure across the entire U.S. equity market spectrum, while AVLV is restricted to the large-cap segment. This means AVLV will not capture the specific performance of small or mid-cap stocks included in VTI.

How often do these ETFs typically pay dividends to shareholders?

Most U.S. equity ETFs, including those like AVLV and VTI, typically pay dividends quarterly, although the exact schedule can vary by issuer and fund structure. The dividend yield data provided—1.11% for AVLV and 1.02% for VTI—represents the annualised income relative to the price. Investors should check the specific fund prospectus or issuer website for the precise payment dates and frequency, as these distributions are a key component of total return for income-focused investors.

What should investors consider when comparing the fees of these two funds?

When comparing fees, investors should look beyond the headline expense ratio. AVLV costs 0.15% annually, while VTI costs 0.03%. On a $10,000 investment, the difference in annual fees is roughly $12. While small in isolation, compounding over decades can reduce final wealth. However, fees should be weighed against potential performance differences and investment goals. A slightly higher fee might be justified if the fund’s specific strategy aligns better with an investor’s desire for large-cap value exposure compared to broad market exposure.

How can an investor determine which fund aligns with their strategy?

Determining alignment depends on individual investment goals. VTI offers broad market diversification across all U.S. equities with a low cost, suitable for a core portfolio holding. AVLV offers targeted exposure to large-cap value stocks, which may appeal to investors seeking a factor tilt away from growth-heavy market leaders. Assessing whether one prioritises low-cost total market coverage or specific value-oriented large-cap exposure helps clarify which fund fits the broader strategy. Note: This content is educational only and not financial advice.

AVLV vs VTI

Two funds, one decision: we compare cost, performance and what each ETF actually holds in October 2026.

Compare AVLV and VTI, examining fees, holdings and dividends. AVLV targets large cap value with a 0.15% expense ratio, whereas VTI covers the total stock market at 0.03%. See how each tracks its respective segment. Educational content, not financial advice.

Fund Snapshot

Key Fund Metrics

AVLV

Metric

VTI

0.15%

Expense Ratio

0.03%

1.11%

Dividend Yield

1.02%

$21.49B

Net Assets

$692.20B

303

Holdings

3,514

Sep 21, 2021

Inception Date

May 24, 2001

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Index Tracked

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Large Value

Fund Category

Large Blend

VTI costs about $12.00 less per year for every $10,000 invested.

Shared Top Holdings

Holding	AVLV	VTI
MSFTMicrosoft Corporation	3.30%	5.10%
METAMeta Platforms, Inc.	3.24%	1.70%
MUMicron Technology, Inc.	3.13%	1.46%
AMZNAmazon.com, Inc.	2.90%	3.41%
AAPLApple Inc.	2.75%	6.30%

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Investment Analysis

AVLV

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VTI

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About AVLV and VTI

AVLV (AVLV)

The Avantis U.S. Large Cap Value ETF (AVLV) is an exchange-traded fund designed to provide exposure to large-capitalisation companies in the United States that are considered undervalued relative to their fundamentals. Launched in September 2021, this fund seeks to capture the value factor, which historically suggests that cheaper stocks may outperform more expensive ones over long periods. With a low expense ratio of 0.15%, it offers a cost-efficient way for investors to diversify their portfolios within the US equity market. The fund holds over 300 companies, providing broad exposure while maintaining a focus on value metrics. Investors should note that while value stocks can offer attractive opportunities, they may underperform growth stocks during certain market cycles. As with any investment, values can rise and fall, and returns are not guaranteed.

VTI (VTI)

This ETF offers broad exposure to the US equity market by tracking a comprehensive index of publicly traded companies. Designed as a large blend fund, it holds thousands of individual stocks, ranging from massive multinational corporations to smaller domestic firms. With an ultra-low expense ratio of 0.03%, it aims to provide cost-efficient long-term growth potential. The fund has a dividend yield of approximately 1.02%, reflecting the aggregate distributions from its holdings. Investors often consider this vehicle for core portfolio diversification, though it is essential to remember that stock market investments carry inherent risks, and values can fluctuate. Past performance is not indicative of future results, and returns are not guaranteed.

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AVLV vs VTI

Fund Snapshot