EALT vs VTI
Innovator US Equity 5 to 15 Buffer ETF - Quarterly 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 | EALT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $175M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 8 | 3,543 | |
| YTD Return | +3.38% | +13.14% | |
| 1Y Return | +9.52% | +22.35% | |
| 3Y Return (annualized) | +13.20% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 8.9% | 15.3% | |
| Max Drawdown | -14.8% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Oct 2, 2023 | May 24, 2001 |
EALT vs VTI Performance
Innovator US Equity 5 to 15 Buffer ETF - Quarterly (EALT) is a ETF from Innovator ETFs Trust and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EALT returned +9.52% while VTI returned +22.35%. Year to date, EALT is up 3.38% versus a gain of 13.14% for VTI.
Over three years, EALT compounded at +13.20% per year against +21.83% for VTI. Across the full 3-year window we track, EALT has the edge at +13.20% annualized vs +8.09%. 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 8.9% for EALT. 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 -14.8% for EALT 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
EALT charges 0.69% per year while VTI charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, EALT currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
EALT and VTI share 0 holdings out of 2788 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, EALT or VTI?
EALT has an expense ratio of 0.69% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, EALT or VTI?
Over the past year EALT returned +9.52% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), EALT annualized +13.20% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, EALT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 8.9% for EALT. Worst drawdown: EALT -14.8% vs VTI -56.6%.
Should I hold both EALT and VTI?
EALT 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.
What is the holdings overlap between EALT and VTI?
EALT and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, EALT or VTI?
EALT yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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