APIE vs VTI
ActivePassive International Equity 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 | APIE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.03% | |
| AUM | $1.2B | $666.9B | |
| Dividend Yield | 3.38% | 1.07% | |
| Holdings | 551 | 3,543 | |
| YTD Return | +10.05% | +13.14% | |
| 1Y Return | +21.17% | +22.35% | |
| 3Y Return (annualized) | +18.72% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 12.3% | 15.3% | |
| Max Drawdown | -15.9% | -56.6% | |
| Fund Family | Envestnet Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 3, 2023 | May 24, 2001 |
APIE vs VTI Performance
ActivePassive International Equity ETF (APIE) is a ETF from Envestnet Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year APIE returned +21.17% while VTI returned +22.35%. Year to date, APIE is up 10.05% versus a gain of 13.14% for VTI.
Over three years, APIE compounded at +18.72% per year against +21.83% for VTI. Across the full 3-year window we track, APIE has the edge at +16.83% annualized vs +8.09%. 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 12.3% for APIE. 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 -15.9% for APIE 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
APIE charges 0.45% per year while VTI charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, APIE currently yields 3.38% against 1.07% for VTI.
Holdings Overlap
APIE and VTI share 3 holdings out of 3314 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, APIE or VTI?
APIE has an expense ratio of 0.45% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $42 per year of difference.
Which performed better, APIE or VTI?
Over the past year APIE returned +21.17% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), APIE annualized +16.83% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, APIE or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.3% for APIE. Worst drawdown: APIE -15.9% vs VTI -56.6%.
Should I hold both APIE and VTI?
APIE and VTI have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between APIE and VTI?
APIE and VTI share 3 common holdings with a 0.2% weight overlap. Combined, they hold 3314 unique securities.
Which pays a higher dividend, APIE or VTI?
APIE yields 3.38% while VTI yields 1.07%, so APIE currently pays the higher dividend yield.
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