AOCT vs VTI
Innovator Equity Defined Protection ETF - 2 Yr to October 2026 vs Vanguard Morningstar Total Stock Market ETF
Which is better, AOCT or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.92.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | AOCT | VTI |
|---|---|---|
| Expense Ratio | 0.79% | 0.03%Best |
| AUM | $46M | $690.1B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 15 | 3,524 |
| YTD Return | +5.16% | +14.14%Best |
| 1Y Return | +6.24% | +16.22%Best |
| 3Y Return (annualized) | - | +22.93% |
| 5Y Return (annualized) | - | +12.76% |
| Volatility (annualized) | 2.5%Best | 12.9% |
| Max Drawdown | -3.7%Best | -19.3% |
| $10,000 over 2 years | $11,223 | $13,870Best |
| Fund Family | Innovator ETFs Trust | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Oct 2, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2 years row, are measured over the window both funds cover: Oct 1, 2024 to Oct 5, 2026 (2 years).
AOCT vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 2 years both funds cover.
AOCT vs VTI Performance
Innovator Equity Defined Protection ETF - 2 Yr to October 2026 (AOCT) is an ETF from Innovator ETFs Trust and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year AOCT returned +6.24% while VTI returned +16.22%. Year to date, AOCT is up 5.16% versus a gain of 14.14% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.9% compared with 2.5% for AOCT. 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 -3.7% for AOCT and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
AOCT 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, AOCT currently yields 0.00% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of AOCT and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, AOCT or VTI?
AOCT has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option, by $76 a year on a $10,000 investment.
Which performed better, AOCT or VTI?
Over the past year AOCT returned +6.24% vs +16.22% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), AOCT annualized +5.94% vs +17.77% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, AOCT or VTI?
VTI has been the more volatile fund at 12.9% annualized versus 2.5% for AOCT. Worst drawdown: AOCT -3.7% vs VTI -19.3%.
Should I hold both AOCT and VTI?
AOCT and VTI have a monthly-return correlation of 0.92, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
Which pays a higher dividend, AOCT or VTI?
AOCT yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than AOCT?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.92. Which one suits a particular account depends on what it is for. This is information, not a recommendation.