AOM vs VTI
iShares Core 40/60 Moderate Allocation ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | AOM | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $1.7B | $663.5B | |
| Dividend Yield | 2.98% | 1.07% | |
| Holdings | 9 | 3,543 | |
| YTD Return | +5.60% | +13.87% | |
| 1Y Return | +11.17% | +23.31% | |
| 3Y Return (annualized) | +10.94% | +21.17% | |
| 5Y Return (annualized) | +4.64% | +12.23% | |
| Volatility (annualized) | 7.3% | 15.3% | |
| Max Drawdown | -20.0% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 4, 2008 | May 24, 2001 |
AOM vs VTI Performance
iShares Core 40/60 Moderate Allocation ETF (AOM) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AOM returned +11.17% while VTI returned +23.31%. Year to date, AOM is up 5.60% versus a gain of 13.87% for VTI.
Over three years, AOM compounded at +10.94% per year against +21.17% for VTI; over five years the annualized figures are +4.64% and +12.23% respectively. Across the full 18-year window we track, VTI has the edge at +8.13% annualized vs +5.09%. 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 7.3% for AOM. 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 -20.0% for AOM 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
AOM charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, AOM currently yields 2.98% against 1.07% for VTI.
Holdings Overlap
AOM and VTI share 0 holdings out of 2791 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, AOM or VTI?
AOM has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, AOM or VTI?
Over the past year AOM returned +11.17% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (18 years), AOM annualized +5.09% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, AOM or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.3% for AOM. Worst drawdown: AOM -20.0% vs VTI -56.6%.
Should I hold both AOM and VTI?
AOM and VTI have a monthly-return correlation of 0.91, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between AOM and VTI?
AOM and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, AOM or VTI?
AOM yields 2.98% while VTI yields 1.07%, so AOM currently pays the higher dividend yield.
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