ACII vs VTI

ACII vs VTI
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Quick Verdict

VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.

Lower Fees: VTIHigher Returns: VTIMore Diversified: VTI

Side-by-Side Comparison

MetricACIIVTIWinner
Expense Ratio0.79%0.03%
AUM$122M$666.9B
Dividend Yield6.85%1.07%
Holdings63,543
YTD Return+6.50%+12.65%
1Y Return+8.73%+21.39%
3Y Return (annualized)-+21.54%
5Y Return (annualized)-+12.11%
Volatility (annualized)-15.3%
Max Drawdown-2.3%-56.6%
Fund FamilyInnovator ETFs TrustVanguard (US)
CategoryAlternativeEquity
InceptionSep 24, 2025May 24, 2001

ACII vs VTI Performance

Innovator Index Autocallable Income Strategy ETF (ACII) is a ETF from Innovator ETFs Trust and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year ACII returned +8.73% while VTI returned +21.39%. Year to date, ACII is up 6.50% versus a gain of 12.65% for VTI.

Risk: Volatility and Drawdowns

The deepest peak-to-trough decline in our data was -2.3% for ACII and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.

Fees and Cost Over Time

ACII charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, ACII currently yields 6.85% against 1.07% for VTI.

Frequently Asked Questions

Which is cheaper, ACII or VTI?

ACII has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.

Which performed better, ACII or VTI?

Over the past year ACII returned +8.73% vs +21.39% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results.

Which pays a higher dividend, ACII or VTI?

ACII yields 6.85% while VTI yields 1.07%, so ACII currently pays the higher dividend yield.

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