APRW vs VTI
AllianzIM US Equity Buffer20 Apr 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 | APRW | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.03% | |
| AUM | $202M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +5.86% | +13.14% | |
| 1Y Return | +6.35% | +22.35% | |
| 3Y Return (annualized) | +9.92% | +21.83% | |
| 5Y Return (annualized) | +6.36% | +12.01% | |
| Volatility (annualized) | 5.7% | 15.3% | |
| Max Drawdown | -9.6% | -56.6% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | May 28, 2020 | May 24, 2001 |
APRW vs VTI Performance
AllianzIM US Equity Buffer20 Apr ETF (APRW) is a ETF from AllianzIM and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year APRW returned +6.35% while VTI returned +22.35%. Year to date, APRW is up 5.86% versus a gain of 13.14% for VTI.
Over three years, APRW compounded at +9.92% per year against +21.83% for VTI; over five years the annualized figures are +6.36% and +12.01% respectively. Across the full 6-year window we track, VTI has the edge at +8.09% annualized vs +6.56%. 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 5.7% for APRW. 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 -9.6% for APRW 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
APRW charges 0.74% per year while VTI charges 0.03%. On a $10,000 position that is $74 vs $3 annually, a gap of $71 per year that compounds over a long holding period. On income, APRW currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, APRW or VTI?
APRW has an expense ratio of 0.74% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, APRW or VTI?
Over the past year APRW returned +6.35% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), APRW annualized +6.56% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, APRW or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.7% for APRW. Worst drawdown: APRW -9.6% vs VTI -56.6%.
Should I hold both APRW and VTI?
APRW 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.
Which pays a higher dividend, APRW or VTI?
APRW yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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