DECP vs VTI
PGIM S&P 500 Buffer 12 ETF - December 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 | DECP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $29M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 7 | 3,543 | |
| YTD Return | +8.75% | +13.87% | |
| 1Y Return | +17.16% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 7.0% | 15.3% | |
| Max Drawdown | -12.1% | -56.6% | |
| Fund Family | PGIM Investments | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | May 24, 2024 | May 24, 2001 |
DECP vs VTI Performance
PGIM S&P 500 Buffer 12 ETF - December (DECP) is a ETF from PGIM Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year DECP returned +17.16% while VTI returned +23.31%. Year to date, DECP is up 8.75% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.0% for DECP. 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 -12.1% for DECP 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 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
DECP charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, DECP currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, DECP or VTI?
DECP has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, DECP or VTI?
Over the past year DECP returned +17.16% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), DECP annualized +13.40% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, DECP or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.0% for DECP. Worst drawdown: DECP -12.1% vs VTI -56.6%.
Should I hold both DECP and VTI?
DECP and VTI have a monthly-return correlation of 0.96, 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, DECP or VTI?
DECP yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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