INKM vs VTI
State Street Income Allocation ETF 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 | INKM | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $75M | $666.9B | |
| Dividend Yield | 4.78% | 1.07% | |
| Holdings | 15 | 3,543 | |
| YTD Return | +7.13% | +12.65% | |
| 1Y Return | +10.53% | +21.39% | |
| 3Y Return (annualized) | +10.93% | +21.54% | |
| 5Y Return (annualized) | +4.40% | +12.11% | |
| Volatility (annualized) | 9.4% | 15.3% | |
| Max Drawdown | -28.6% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Apr 25, 2012 | May 24, 2001 |
INKM vs VTI Performance
State Street Income Allocation ETF (INKM) is a ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year INKM returned +10.53% while VTI returned +21.39%. Year to date, INKM is up 7.13% versus a gain of 12.65% for VTI.
Over three years, INKM compounded at +10.93% per year against +21.54% for VTI; over five years the annualized figures are +4.40% and +12.11% respectively. Across the full 14-year window we track, VTI has the edge at +8.07% annualized vs +2.83%. 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 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 -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 0.82. 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 4.78% against 1.07% for VTI.
Holdings Overlap
INKM and VTI share 0 holdings out of 2802 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, INKM or VTI?
INKM 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, INKM or VTI?
Over the past year INKM returned +10.53% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (14 years), INKM annualized +2.83% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, INKM or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.4% for INKM. Worst drawdown: INKM -28.6% vs VTI -56.6%.
Should I hold both INKM and VTI?
INKM and VTI have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INKM and VTI?
INKM and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2802 unique securities.
Which pays a higher dividend, INKM or VTI?
INKM yields 4.78% while VTI yields 1.07%, so INKM currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.