GDEC vs VTI
FT Vest US Equity Moderate Buffer 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 | GDEC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.03% | |
| AUM | $436M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +7.35% | +14.96% | |
| 1Y Return | +12.68% | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 5.3% | 15.4% | |
| Max Drawdown | -10.6% | -56.6% | |
| Fund Family | First Trust Portfolios (US) | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Dec 15, 2023 | May 24, 2001 |
GDEC vs VTI Performance
FT Vest US Equity Moderate Buffer ETF - December (GDEC) is a ETF from First Trust Portfolios (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year GDEC returned +12.68% while VTI returned +22.39%. Year to date, GDEC is up 7.35% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 5.3% for GDEC. 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 -10.6% for GDEC 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
GDEC charges 0.85% per year while VTI charges 0.03%. On a $10,000 position that is $85 vs $3 annually, a gap of $82 per year that compounds over a long holding period. On income, GDEC currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
GDEC and VTI share 0 holdings out of 2784 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, GDEC or VTI?
GDEC has an expense ratio of 0.85% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, GDEC or VTI?
Over the past year GDEC returned +12.68% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), GDEC annualized +11.91% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, GDEC or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 5.3% for GDEC. Worst drawdown: GDEC -10.6% vs VTI -56.6%.
Should I hold both GDEC and VTI?
GDEC and VTI have a monthly-return correlation of 0.92, 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 GDEC and VTI?
GDEC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, GDEC or VTI?
GDEC yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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