KDEC vs VTI
Innovator US Small Cap Power Buffer ETF - December vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | KDEC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $73M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | +11.95% | +13.87% | |
| 1Y Return | +18.44% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 8.1% | 15.3% | |
| Max Drawdown | -16.5% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Nov 29, 2024 | May 24, 2001 |
KDEC vs VTI Performance
Innovator US Small Cap Power Buffer ETF - December (KDEC) is a ETF from Innovator ETFs Trust and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year KDEC returned +18.44% while VTI returned +23.31%. Year to date, KDEC is up 11.95% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 8.1% for KDEC. 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 -16.5% for KDEC 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 0.90. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
KDEC charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, KDEC currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, KDEC or VTI?
KDEC has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, KDEC or VTI?
Over the past year KDEC returned +18.44% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), KDEC annualized +8.67% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, KDEC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 8.1% for KDEC. Worst drawdown: KDEC -16.5% vs VTI -56.6%.
Should I hold both KDEC and VTI?
KDEC and VTI have a monthly-return correlation of 0.90, 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, KDEC or VTI?
KDEC yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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