FINS vs VTI
Angel Oak Financial Strategies Income Term Trust vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FINS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | - | 0.03% | |
| AUM | $453M | $666.9B | |
| Dividend Yield | 10.24% | 1.07% | |
| Holdings | 242 | 3,543 | |
| YTD Return | +1.19% | +12.65% | |
| 1Y Return | +5.36% | +21.39% | |
| 3Y Return (annualized) | +13.16% | +21.54% | |
| 5Y Return (annualized) | +1.82% | +12.11% | |
| Volatility (annualized) | 10.5% | 15.3% | |
| Max Drawdown | -41.5% | -56.6% | |
| Fund Family | Angel Oak Capital Advisors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 29, 2019 | May 24, 2001 |
FINS vs VTI Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is a ETF from Angel Oak Capital Advisors and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FINS returned +5.36% while VTI returned +21.39%. Year to date, FINS is up 1.19% versus a gain of 12.65% for VTI.
Over three years, FINS compounded at +13.16% per year against +21.54% for VTI; over five years the annualized figures are +1.82% and +12.11% respectively. Across the full 7-year window we track, VTI has the edge at +8.07% annualized vs +0.63%. 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 10.5% for FINS. 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 -41.5% for FINS 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 0.47. They move independently enough that combining them can meaningfully diversify a portfolio.
Holdings Overlap
FINS and VTI share 24 holdings out of 2830 unique holdings combined, representing a 0.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which performed better, FINS or VTI?
Over the past year FINS returned +5.36% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), FINS annualized +0.63% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, FINS or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.5% for FINS. Worst drawdown: FINS -41.5% vs VTI -56.6%.
Should I hold both FINS and VTI?
FINS and VTI have a monthly-return correlation of 0.47, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FINS and VTI?
FINS and VTI share 24 common holdings with a 0.4% weight overlap. Combined, they hold 2830 unique securities.
Which pays a higher dividend, FINS or VTI?
FINS yields 10.24% while VTI yields 1.07%, so FINS currently pays the higher dividend yield.
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