JPC vs VTI
Nuveen Preferred & Income Opportunities Fund 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 | JPC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 2.14% | 0.03% | |
| AUM | - | $666.9B | |
| Dividend Yield | 9.90% | 1.07% | |
| Holdings | 260 | 3,543 | |
| YTD Return | +0.59% | +13.38% | |
| 1Y Return | +4.65% | +21.12% | |
| 3Y Return (annualized) | +16.83% | +21.85% | |
| 5Y Return (annualized) | +3.52% | +12.44% | |
| Volatility (annualized) | 18.2% | 15.3% | |
| Max Drawdown | -82.5% | -56.6% | |
| Fund Family | Nuveen | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Mar 26, 2003 | May 24, 2001 |
JPC vs VTI Performance
Nuveen Preferred & Income Opportunities Fund (JPC) is a ETF from Nuveen and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year JPC returned +4.65% while VTI returned +21.12%. Year to date, JPC is up 0.59% versus a gain of 13.38% for VTI.
Over three years, JPC compounded at +16.83% per year against +21.85% for VTI; over five years the annualized figures are +3.52% and +12.44% respectively. Across the full 23-year window we track, VTI has the edge at +8.10% annualized vs -0.84%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
JPC has been the more volatile fund, with annualized monthly volatility of 18.2% compared with 15.3% for VTI. 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 -82.5% for JPC 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JPC charges 2.14% per year while VTI charges 0.03%. On a $10,000 position that is $214 vs $3 annually, a gap of $211 per year that compounds over a long holding period. On income, JPC currently yields 9.90% against 1.07% for VTI.
Holdings Overlap
JPC and VTI share 6 holdings out of 2995 unique holdings combined, representing a 0.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, JPC or VTI?
JPC has an expense ratio of 2.14% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $211 per year of difference.
Which performed better, JPC or VTI?
Over the past year JPC returned +4.65% vs +21.12% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (23 years), JPC annualized -0.84% vs +8.10% for VTI. Past performance does not guarantee future results.
Which is riskier, JPC or VTI?
JPC has been the more volatile fund at 18.2% annualized versus 15.3% for VTI. Worst drawdown: JPC -82.5% vs VTI -56.6%.
Should I hold both JPC and VTI?
JPC and VTI have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JPC and VTI?
JPC and VTI share 6 common holdings with a 0.6% weight overlap. Combined, they hold 2995 unique securities.
Which pays a higher dividend, JPC or VTI?
JPC yields 9.90% while VTI yields 1.07%, so JPC currently pays the higher dividend yield.
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