INKM vs VTI
State Street Income Allocation ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, INKM or VTI?
Allocation/Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 86.4%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | INKM | VTI |
|---|---|---|
| Expense Ratio | 0.50% | 0.03%Best |
| AUM | $75M | $690.1B |
| Dividend Yield | 4.75% | 1.03% |
| Holdings | 16 | 3,524 |
| YTD Return | +3.01% | +13.35%Best |
| 1Y Return | +4.35% | +15.92%Best |
| 3Y Return (annualized) | +10.99% | +23.41%Best |
| 5Y Return (annualized) | +3.64% | +12.83%Best |
| Volatility (annualized) | 9.4%Best | 14.4% |
| Max Drawdown | -28.6%Best | -35.0% |
| $10,000 over 5 years | $11,957 | $18,286Best |
| Top 10 Weight | 86.4% | 33.3%Best |
| Fund Family | State Street Investment Management | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Blend |
| Inception | Apr 25, 2012 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Apr 26, 2012 to Oct 2, 2026 (14.4 years).
INKM vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 14.4 years both funds cover.
INKM vs VTI Performance
State Street Income Allocation ETF (INKM) is an ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year INKM returned +4.35% while VTI returned +15.92%. Year to date, INKM is up 3.01% versus a gain of 13.35% for VTI.
Over three years, INKM compounded at +10.99% per year against +23.41% for VTI; over five years the annualized figures are +3.64% and +12.83% respectively. Across the full 14-year window we track, VTI has the edge at +12.79% annualized vs +2.53%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 14.4% compared with 9.4% for INKM. 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 -28.6% for INKM and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
INKM 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, INKM currently yields 4.75% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 16 holdings in INKM and 3,463 in VTI, totalling 100.0% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 16 positions we hold weights for in INKM and 3,463 in VTI, against full books of 16 and 3,524.
What only one of them owns
Measured across the 16 and 3,463 positions we hold weights for.
VTI holds 1,150 positions INKM does not, 97.5% of the fund.
Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%
You are not choosing between two funds in isolation.
Whichever of INKM and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, INKM or VTI?
INKM has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option, by $47 a year on a $10,000 investment.
Which performed better, INKM or VTI?
Over the past year INKM returned +4.35% vs +15.92% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (14 years), INKM annualized +2.53% vs +12.79% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, INKM or VTI?
VTI has been the more volatile fund at 14.4% annualized versus 9.4% for INKM. Worst drawdown: INKM -28.6% vs VTI -35.0%.
Should I hold both INKM and VTI?
INKM and VTI have a monthly-return correlation of 0.82, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, INKM or VTI?
INKM yields 4.75% while VTI yields 1.03%, so INKM currently pays the higher dividend yield.
Is VTI better than INKM?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 86.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.