ALTL vs VTI
Pacer Lunt Large Cap Alternator 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 | ALTL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.60% | 0.03% | |
| AUM | $92M | $666.9B | |
| Dividend Yield | 0.95% | 1.07% | |
| Holdings | 102 | 3,543 | |
| YTD Return | +10.72% | +14.82% | |
| 1Y Return | +18.57% | +22.43% | |
| 3Y Return (annualized) | +10.10% | +21.93% | |
| 5Y Return (annualized) | +2.77% | +12.34% | |
| Volatility (annualized) | 20.0% | 15.4% | |
| Max Drawdown | -31.9% | -56.6% | |
| Fund Family | Pacer ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 24, 2020 | May 24, 2001 |
ALTL vs VTI Performance
Pacer Lunt Large Cap Alternator ETF (ALTL) is a ETF from Pacer ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year ALTL returned +18.57% while VTI returned +22.43%. Year to date, ALTL is up 10.72% versus a gain of 14.82% for VTI.
Over three years, ALTL compounded at +10.10% per year against +21.93% for VTI; over five years the annualized figures are +2.77% and +12.34% respectively. Across the full 6-year window we track, ALTL has the edge at +12.80% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ALTL has been the more volatile fund, with annualized monthly volatility of 20.0% compared with 15.4% 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 -31.9% for ALTL 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ALTL charges 0.60% per year while VTI charges 0.03%. On a $10,000 position that is $60 vs $3 annually, a gap of $57 per year that compounds over a long holding period. On income, ALTL currently yields 0.95% against 1.07% for VTI.
Holdings Overlap
ALTL and VTI share 90 holdings out of 2798 unique holdings combined, representing a 20.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, ALTL or VTI?
ALTL has an expense ratio of 0.60% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $57 per year of difference.
Which performed better, ALTL or VTI?
Over the past year ALTL returned +18.57% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), ALTL annualized +12.80% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, ALTL or VTI?
ALTL has been the more volatile fund at 20.0% annualized versus 15.4% for VTI. Worst drawdown: ALTL -31.9% vs VTI -56.6%.
Should I hold both ALTL and VTI?
ALTL and VTI have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ALTL and VTI?
ALTL and VTI share 90 common holdings with a 20.1% weight overlap. Combined, they hold 2798 unique securities.
Which pays a higher dividend, ALTL or VTI?
ALTL yields 0.95% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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