LFAW vs VTI
LifeX 2060 Longevity Income ETF 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 | LFAW | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $4M | $663.5B | |
| Dividend Yield | 6.25% | 1.07% | |
| Holdings | 23 | 3,543 | |
| YTD Return | -6.00% | +14.22% | |
| 1Y Return | -4.11% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 8.3% | 15.3% | |
| Max Drawdown | -11.4% | -56.6% | |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 8, 2024 | May 24, 2001 |
LFAW vs VTI Performance
LifeX 2060 Longevity Income ETF (LFAW) is a ETF from Stone Ridge Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year LFAW returned -4.11% while VTI returned +22.19%. Year to date, LFAW is down 6.00% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 8.3% for LFAW. 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 -11.4% for LFAW 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 0.21. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LFAW charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, LFAW currently yields 6.25% against 1.07% for VTI.
Holdings Overlap
LFAW and VTI share 0 holdings out of 2800 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, LFAW or VTI?
LFAW has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, LFAW or VTI?
Over the past year LFAW returned -4.11% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), LFAW annualized -5.59% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, LFAW or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 8.3% for LFAW. Worst drawdown: LFAW -11.4% vs VTI -56.6%.
Should I hold both LFAW and VTI?
LFAW and VTI have a monthly-return correlation of 0.21, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LFAW and VTI?
LFAW and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2800 unique securities.
Which pays a higher dividend, LFAW or VTI?
LFAW yields 6.25% while VTI yields 1.07%, so LFAW currently pays the higher dividend yield.
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