OEF vs VFIAX: Yield, Cost and Returns Compared
As of Nov 5, 2026, OEF yields more: 0.89% (dividend yield) against 0.79% for VFIAX. VFIAX is cheaper to own at 0.04% a year vs 0.20%. Over the same 18 years (Dec 2007 to Oct 2026), OEF returned 11.4% a year with distributions reinvested, and VFIAX 11.1%.
| Compared | OEF | VFIAX |
|---|---|---|
| YieldDividend yield | 0.89% | 0.79% |
| Expense ratio | 0.20% | 0.04% |
| Total return, 1 yr | +9.1% | +11.8% |
| Total return, 3 yr (a year) | +24.9% | +23.2% |
| Total return, 5 yr (a year) | +13.3% | +12.0% |
| Total return, 10 yr (a year) | +16.4% | +15.4% |
| Worst drop since Dec 2007 | -47.7% | -48.4% |
| Share price since Dec 2007 | +443% | +418% |
| Pays | Quarterly | Quarterly |
| Issuer | iShares | Vanguard |
| Assets | $20.0B | $1.7T |
| Started | 2000 | 2010 |
| Type | Large Blend | Large Blend |
Higher yield
OEF
0.89%
Lower cost
VFIAX
0.04%
Better total return
OEF
11.4%/yr
Smaller worst drop
OEF
-47.7%
Key facts: OEF vs VFIAX
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, OEF yields 0.89% (dividend yield) and VFIAX yields 0.79% (dividend yield).
- OEF's expense ratio is 0.20% and VFIAX's is 0.04%: $20 vs $4 a year on $10,000.
- From Dec 2007 to Oct 2026, $10,000 in OEF grew to $76,383 (11.4% a year) and $10,000 in VFIAX to $73,212 (11.1% a year), distributions reinvested.
- Their worst month-end drops over that time: -47.7% for OEF and -48.4% for VFIAX.
- 9 of OEF's top ten holdings are also in VFIAX's top ten, an overlap of at least 37% of the fund.
Cite this page
SmarterDividends, "OEF vs VFIAX: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/oef-vs-vfiax
$10,000 in each, Dec 2007 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
OEF became
$76,383
11.4% a year
VFIAX became
$73,212
11.1% a year
Year by year
| Year | OEF | VFIAX |
|---|---|---|
| 2025 | +19.8% | +17.8% |
| 2024 | +30.7% | +25.0% |
| 2023 | +32.7% | +26.2% |
| 2022 | −21.0% | −18.2% |
| 2021 | +29.2% | +28.7% |
| 2020 | +21.2% | +18.3% |
| 2019 | +31.9% | +31.5% |
| 2018 | −4.2% | −4.5% |
| 2017 | +21.8% | +21.8% |
| 2016 | +11.3% | +11.9% |
| 2015 | +2.4% | +1.3% |
| 2014 | +12.6% | +13.7% |
| 2013 | +30.1% | +32.3% |
| 2012 | +16.0% | +16.0% |
| 2011 | +2.8% | +2.1% |
| 2010 | +12.5% | +15.0% |
| 2009 | +22.1% | +26.7% |
| 2008 | −35.5% | −37.0% |
Total return each calendar year, distributions reinvested.
Top holdings
9 of the top ten overlap, at least 37% of each fund.
OEF
- AAPL Apple Inc10.5%
- NVDA NVIDIA Corp10.3%
- MSFT Microsoft Corp8.1%
- AMZN Amazon.com Inc4.9%
- GOOGL Alphabet Inc Class A3.4%
- AVGO Broadcom Inc3.2%
- META Meta Platforms Inc Class A2.8%
- GOOG Alphabet Inc Class C2.8%
- LLY Eli Lilly and Co2.4%
- TSLA Tesla Inc2.4%
VFIAX
- NVDA NVIDIA Corp8.4%
- AAPL Apple Inc7.4%
- MSFT Microsoft Corp5.8%
- AMZN Amazon.com Inc3.7%
- GOOGL Alphabet Inc Class A3.1%
- AVGO Broadcom Inc2.5%
- GOOG Alphabet Inc Class C2.5%
- META Meta Platforms Inc Class A2.4%
- MU Micron Technology Inc1.8%
- TSLA Tesla Inc1.5%
OEF vs VFIAX: questions
Is OEF or VFIAX better?
It depends on the job. OEF pays more today (0.89% vs 0.79%), VFIAX costs less, and OEF has the better total return over Dec 2007 to Oct 2026, with OEF holding up better in its worst stretch. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, OEF or VFIAX?
OEF, at 0.89% against 0.79% for VFIAX as of Nov 5, 2026. On $10,000 that's about $89 vs $79 a year at today's rates.
Which has the better total return?
OEF. From Dec 2007 to Oct 2026, it returned 11.4% a year with distributions reinvested, against 11.1% for VFIAX. $10,000 became $76,383 vs $73,212.
Which is cheaper, OEF or VFIAX?
VFIAX, with a 0.04% expense ratio against 0.20%.
Do OEF and VFIAX hold the same things?
Partly. 9 of their top ten holdings match (NVDA, AAPL, MSFT, AMZN), at least 37% of each fund. Owning both doubles up on those.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. OEF leads on 6 of 8 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.