ACIO vs VTI
Aptus Collared Investment Opportunity ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | ACIO | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $2.4B | $666.9B | |
| Dividend Yield | 0.38% | 1.07% | |
| Holdings | 217 | 3,543 | |
| YTD Return | +7.17% | +12.79% | |
| 1Y Return | +10.93% | +20.47% | |
| 3Y Return (annualized) | +15.22% | +21.53% | |
| 5Y Return (annualized) | +9.40% | +11.84% | |
| Volatility (annualized) | 10.1% | 15.3% | |
| Max Drawdown | -14.9% | -56.6% | |
| Fund Family | Aptus ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 9, 2019 | May 24, 2001 |
ACIO vs VTI Performance
Aptus Collared Investment Opportunity ETF (ACIO) is a ETF from Aptus ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year ACIO returned +10.93% while VTI returned +20.47%. Year to date, ACIO is up 7.17% versus a gain of 12.79% for VTI.
Over three years, ACIO compounded at +15.22% per year against +21.53% for VTI; over five years the annualized figures are +9.40% and +11.84% respectively. Across the full 7-year window we track, ACIO has the edge at +9.73% annualized vs +8.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 10.1% for ACIO. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -14.9% for ACIO and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.87. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ACIO 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, ACIO currently yields 0.38% against 1.07% for VTI.
Holdings Overlap
ACIO and VTI share 157 holdings out of 2791 unique holdings combined, representing a 65.8% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, ACIO or VTI?
ACIO 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, ACIO or VTI?
Over the past year ACIO returned +10.93% vs +20.47% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), ACIO annualized +9.73% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, ACIO or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.1% for ACIO. Worst drawdown: ACIO -14.9% vs VTI -56.6%.
Should I hold both ACIO and VTI?
ACIO and VTI have a monthly-return correlation of 0.87, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ACIO and VTI?
ACIO and VTI share 157 common holdings with a 65.8% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, ACIO or VTI?
ACIO yields 0.38% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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