JANW vs VTI
AllianzIM US Equity Buffer20 Jan 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 | JANW | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.03% | |
| AUM | $351M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +6.04% | +12.65% | |
| 1Y Return | +10.50% | +21.39% | |
| 3Y Return (annualized) | +10.80% | +21.54% | |
| 5Y Return (annualized) | +8.36% | +12.11% | |
| Volatility (annualized) | 5.7% | 15.3% | |
| Max Drawdown | -9.7% | -56.6% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Dec 31, 2020 | May 24, 2001 |
JANW vs VTI Performance
AllianzIM US Equity Buffer20 Jan ETF (JANW) is a ETF from AllianzIM and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year JANW returned +10.50% while VTI returned +21.39%. Year to date, JANW is up 6.04% versus a gain of 12.65% for VTI.
Over three years, JANW compounded at +10.80% per year against +21.54% for VTI; over five years the annualized figures are +8.36% and +12.11% respectively. Across the full 6-year window we track, JANW has the edge at +8.46% annualized vs +8.07%. 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 5.7% for JANW. 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 -9.7% for JANW 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
JANW charges 0.74% per year while VTI charges 0.03%. On a $10,000 position that is $74 vs $3 annually, a gap of $71 per year that compounds over a long holding period. On income, JANW currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, JANW or VTI?
JANW has an expense ratio of 0.74% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, JANW or VTI?
Over the past year JANW returned +10.50% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), JANW annualized +8.46% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, JANW or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.7% for JANW. Worst drawdown: JANW -9.7% vs VTI -56.6%.
Should I hold both JANW and VTI?
JANW and VTI have a monthly-return correlation of 0.91, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, JANW or VTI?
JANW yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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