AIO vs VTI
Virtus Artificial Intelligence & Technology Opportunities Fund vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. AIO delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | AIO | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.47% | 0.03% | |
| AUM | $1.0B | $666.9B | |
| Dividend Yield | 11.01% | 1.07% | |
| Holdings | 101 | 3,543 | |
| YTD Return | +27.40% | +13.86% | |
| 1Y Return | +22.91% | +20.74% | |
| 3Y Return (annualized) | +26.26% | +21.66% | |
| 5Y Return (annualized) | +12.16% | +11.90% | |
| Volatility (annualized) | 22.0% | 15.3% | |
| Max Drawdown | -45.2% | -56.6% | |
| Fund Family | Virtus Investment Partners | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 31, 2019 | May 24, 2001 |
AIO vs VTI Performance
Virtus Artificial Intelligence & Technology Opportunities Fund (AIO) is a ETF from Virtus Investment Partners and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AIO returned +22.91% while VTI returned +20.74%. Year to date, AIO is up 27.40% versus a gain of 13.86% for VTI.
Over three years, AIO compounded at +26.26% per year against +21.66% for VTI; over five years the annualized figures are +12.16% and +11.90% respectively. Across the full 7-year window we track, AIO has the edge at +14.62% annualized vs +8.11%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
AIO has been the more volatile fund, with annualized monthly volatility of 22.0% compared with 15.3% for VTI. 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 -45.2% for AIO 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 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
AIO charges 1.47% per year while VTI charges 0.03%. On a $10,000 position that is $147 vs $3 annually, a gap of $144 per year that compounds over a long holding period. On income, AIO currently yields 11.01% against 1.07% for VTI.
Holdings Overlap
AIO and VTI share 42 holdings out of 2830 unique holdings combined, representing a 23.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, AIO or VTI?
AIO has an expense ratio of 1.47% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $144 per year of difference.
Which performed better, AIO or VTI?
Over the past year AIO returned +22.91% vs +20.74% for VTI, so AIO leads on 1-year performance. Over the longest common window we track (7 years), AIO annualized +14.62% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, AIO or VTI?
AIO has been the more volatile fund at 22.0% annualized versus 15.3% for VTI. Worst drawdown: AIO -45.2% vs VTI -56.6%.
Should I hold both AIO and VTI?
AIO and VTI have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AIO and VTI?
AIO and VTI share 42 common holdings with a 23.8% weight overlap. Combined, they hold 2830 unique securities.
Which pays a higher dividend, AIO or VTI?
AIO yields 11.01% while VTI yields 1.07%, so AIO currently pays the higher dividend yield.
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