JULW vs VTI
AllianzIM US Equity Buffer20 Jul ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, JULW or VTI?
Multi Alternative against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.91.
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 | JULW | VTI |
|---|---|---|
| Expense Ratio | 0.74% | 0.03%Best |
| AUM | $254M | $690.1B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 15 | 3,524 |
| YTD Return | +6.78% | +14.14%Best |
| 1Y Return | +8.54% | +16.22%Best |
| 3Y Return (annualized) | +12.30% | +22.93%Best |
| 5Y Return (annualized) | +9.47% | +12.76%Best |
| Volatility (annualized) | 5.9%Best | 15.6% |
| Max Drawdown | -9.5%Best | -25.4% |
| $10,000 over 5 years | $15,721 | $18,230Best |
| Fund Family | AllianzIM | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Blend |
| Inception | Jun 30, 2020 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jul 1, 2020 to Oct 5, 2026 (6.3 years).
JULW 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 6.3 years both funds cover.
JULW vs VTI Performance
AllianzIM US Equity Buffer20 Jul ETF (JULW) is an ETF from AllianzIM and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year JULW returned +8.54% while VTI returned +16.22%. Year to date, JULW is up 6.78% versus a gain of 14.14% for VTI.
Over three years, JULW compounded at +12.30% per year against +22.93% for VTI; over five years the annualized figures are +9.47% and +12.76% respectively. Across the full 6-year window we track, VTI has the edge at +16.60% annualized vs +8.90%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.6% compared with 5.9% for JULW. 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 -9.5% for JULW and -25.4% 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
JULW 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, JULW currently yields 0.00% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of JULW 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, JULW or VTI?
JULW has an expense ratio of 0.74% while VTI charges 0.03%. VTI is the cheaper option, by $71 a year on a $10,000 investment.
Which performed better, JULW or VTI?
Over the past year JULW returned +8.54% vs +16.22% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), JULW annualized +8.90% vs +16.60% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, JULW or VTI?
VTI has been the more volatile fund at 15.6% annualized versus 5.9% for JULW. Worst drawdown: JULW -9.5% vs VTI -25.4%.
Should I hold both JULW and VTI?
JULW and VTI have a monthly-return correlation of 0.91, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
Which pays a higher dividend, JULW or VTI?
JULW yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than JULW?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.91. Which one suits a particular account depends on what it is for. This is information, not a recommendation.