AVMU vs VTI
Avantis Core Municipal Fixed Income 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 | AVMU | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $173M | $666.9B | |
| Dividend Yield | 3.57% | 1.07% | |
| Holdings | 541 | 3,543 | |
| YTD Return | -0.59% | +13.14% | |
| 1Y Return | +5.71% | +22.35% | |
| 3Y Return (annualized) | +3.01% | +21.83% | |
| 5Y Return (annualized) | +0.36% | +12.01% | |
| Volatility (annualized) | 6.0% | 15.3% | |
| Max Drawdown | -12.4% | -56.6% | |
| Fund Family | Avantis Investors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Dec 10, 2020 | May 24, 2001 |
AVMU vs VTI Performance
Avantis Core Municipal Fixed Income ETF (AVMU) is a ETF from Avantis Investors and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AVMU returned +5.71% while VTI returned +22.35%. Year to date, AVMU is down 0.59% versus a gain of 13.14% for VTI.
Over three years, AVMU compounded at +3.01% per year against +21.83% for VTI; over five years the annualized figures are +0.36% and +12.01% respectively. Across the full 6-year window we track, VTI has the edge at +8.09% annualized vs +0.46%. 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 6.0% for AVMU. 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 -12.4% for AVMU 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AVMU 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, AVMU currently yields 3.57% against 1.07% for VTI.
Holdings Overlap
AVMU and VTI share 0 holdings out of 3088 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, AVMU or VTI?
AVMU 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, AVMU or VTI?
Over the past year AVMU returned +5.71% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), AVMU annualized +0.46% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, AVMU or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.0% for AVMU. Worst drawdown: AVMU -12.4% vs VTI -56.6%.
Should I hold both AVMU and VTI?
AVMU and VTI have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AVMU and VTI?
AVMU and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3088 unique securities.
Which pays a higher dividend, AVMU or VTI?
AVMU yields 3.57% while VTI yields 1.07%, so AVMU currently pays the higher dividend yield.
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