AUGT vs VTI
AllianzIM US Equity Buffer10 Aug 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 | AUGT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.03% | |
| AUM | $30M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +9.94% | +13.87% | |
| 1Y Return | +16.09% | +23.31% | |
| 3Y Return (annualized) | +16.77% | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 8.5% | 15.3% | |
| Max Drawdown | -13.1% | -56.6% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jul 31, 2023 | May 24, 2001 |
AUGT vs VTI Performance
AllianzIM US Equity Buffer10 Aug ETF (AUGT) is a ETF from AllianzIM and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AUGT returned +16.09% while VTI returned +23.31%. Year to date, AUGT is up 9.94% versus a gain of 13.87% for VTI.
Over three years, AUGT compounded at +16.77% per year against +21.17% for VTI. Across the full 3-year window we track, AUGT has the edge at +16.03% annualized vs +8.13%. 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 8.5% for AUGT. 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 -13.1% for AUGT 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 0.98. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
AUGT 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, AUGT currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, AUGT or VTI?
AUGT 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, AUGT or VTI?
Over the past year AUGT returned +16.09% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), AUGT annualized +16.03% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, AUGT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 8.5% for AUGT. Worst drawdown: AUGT -13.1% vs VTI -56.6%.
Should I hold both AUGT and VTI?
AUGT and VTI have a monthly-return correlation of 0.98, 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, AUGT or VTI?
AUGT yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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