BMAY vs VTI
Innovator US Equity Buffer ETF - May 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 | BMAY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $232M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | +8.06% | +13.87% | |
| 1Y Return | +12.90% | +23.31% | |
| 3Y Return (annualized) | +14.89% | +21.17% | |
| 5Y Return (annualized) | +8.78% | +12.23% | |
| Volatility (annualized) | 9.5% | 15.3% | |
| Max Drawdown | -17.7% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Apr 30, 2020 | May 24, 2001 |
BMAY vs VTI Performance
Innovator US Equity Buffer ETF - May (BMAY) is a ETF from Innovator ETFs Trust and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BMAY returned +12.90% while VTI returned +23.31%. Year to date, BMAY is up 8.06% versus a gain of 13.87% for VTI.
Over three years, BMAY compounded at +14.89% per year against +21.17% for VTI; over five years the annualized figures are +8.78% and +12.23% respectively. Across the full 6-year window we track, BMAY has the edge at +10.98% 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 9.5% for BMAY. 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 -17.7% for BMAY 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
BMAY charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, BMAY currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, BMAY or VTI?
BMAY has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, BMAY or VTI?
Over the past year BMAY returned +12.90% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), BMAY annualized +10.98% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, BMAY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.5% for BMAY. Worst drawdown: BMAY -17.7% vs VTI -56.6%.
Should I hold both BMAY and VTI?
BMAY and VTI have a monthly-return correlation of 0.93, 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, BMAY or VTI?
BMAY yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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